vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of ID Theft several years ago. and was just made aware of it. I have contacted the companies several times with no response. I am contacted Experian to delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I dont recognize XXXX XXXX nor have I ever even applied to this company. I would like this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dont recognize XXXX XXXX  nor have I ever even applied to this company. I would like this removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I dont recognize XXXX XXXXt nor have I ever even applied to this company. I would like this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX 
[ XXXX XXXX XXXX XXXX MN XXXX ] Re : Cease and Desist Communication Regarding Alleged Account Request for Deletion To Whom It May Concern : I demand manual review!!

This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged account with XXXX XXXX that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : XXXX. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA. 
XXXX. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease. 

Action Demanded : I demand the following corrective actions : XXXX. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies. 
XXXX. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
XXXX. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted. 

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance.

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Communication Regarding Alleged Account Request for Deletion To Whom It May Concern : I demand manual review!!

This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged account with XXXX XXXX that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA.

2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies.

2. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
3. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. 

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
XX/XX/year> Received a debit visa card from Upgrade in the mail today this company the company Upgrade refuses to close the account informed them that we had already talked with the police and they stated, they needed the police report beside documents of my ID to do an investigation. I just want this account closed and the home loans that was applied for without my consent. I have been a victim of cybercrime and now my information about myself is all over the web. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank has stolen {$590.00} from me. A check was deposit XX/XX/XXXX for my daughters social security I had taken a screenshot of my account the XXXXXXXX XXXX XXXXXXXX because I frequently do that to keep up with the funds in my account that will be coming and going. The amount was deposited the XXXX XXXX XXXXXXXX which was a holiday weekend and was pending which it is always deposited in a Saturday and never pending. Once all of my pending charges where finalized the following Monday the check amount was just no used from my daily ending balance and disappeared into thin air. After going to the bank XXXX XXXX and reporting fraud they decided I was wrong because it was listed in XXXX and white what I purchased all month even though I had screenshots of my balance prior to the check and numbers dont lie if I take that amount and add and subtract all my purchases from that time XXXX still missing exactly {$590.00} to the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights. 

I have looked at my Experian credit report on the XXXX XXXX XXXX XXXX I noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I received my escrow analysis and upon review I noticed that my payment was increasing a substantial amount ( {$200.00} ) a month, despite my insurance only going up a few XXXX dollars for the year. When asked about the increase, I was informed that I was required to pay the shortage amount as well as my escrow amount increasing. I asked what the minimum amount required in my account was supposed to be which is XXXX the escrow payment. I then questioned the logic applied to my account because in charging me for the shortage and increasing my escrow payment month over month, it results in a net positive balance of XXXX the escrow payment AFTER ALL TAXES AND INSURANCE ARE DEDUCTED FROM THE ACCOUNT AT THE END OF THE YEAR. I attempted to explain to them that the way in which they are conducting their calculations is not correct considering by the end of the escrow period they are requiring me to carry DOUBLE the minimum required escrow balance. They told me that it is what it is and their system can not differentiate based on customer circumstance. I feel that this inability to apply policies equally and fairly across the their customer base is a violation of the Frank Dodd act, Section 7 which outlines UDAAP. I as the consumer am being unfairly treated, and can not reasonably avoid the practice of requiring more than DOUBLE the minimum balance required in my escrow account. This is resulting in financial duress to my family as we do not budget for a {$2400.00} a month increase in funds owed when my insurance increase was significantly less. I as the consumer had no way to avoid this practice as I do not have the ability to voice my opinion in a manner that is heard by the financial institution and in discussions the only thing they tell me is they do not control the system and have no ability to right the wrong their company has caused. I am requesting review of these practices to ensure they are in compliance with all federal regulations as governed by the CFPB and I also would like for an audit be completed to ensure that other consumers who are not as well versed in consumer protections be shielded from the inability for a company to look inward on their policies and systems to do right by the people who give them the ability to remain open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I regularly review my credit report and have identified errors and misleading information on individual accounts that fail to meet the credit reporting standards of being entirely accurate. These inaccuracies have caused significant harm and hindered my progress over time. I am urging the CFPB to take action to ensure these items are corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2024 ] **JPMCB Card Services** [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!! 

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently noticed suspicious accounts on my credit report, which I did not authorize. Please investigate and remove these fraudulent entries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief