vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

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 2023-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Wells Fargo never opened an investigation on my mortgage fraud claim. 
The documents were sent certified mail on XX/XX/XXXX outlining the arrest and indictment of the XXXX XXXX XXXX  employees who processed my original loan.Wells Fargo received the information and never took any action getting my side of the story. 
In those documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX case no. XXXX XXXXXXXX. 
XXXX ) A letter outlining what had already taken place in my foreclosure case. 
XXXX ) Forensic Loan Audit Documents. 
My Foreclosure started XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
It continued until XX/XX/XXXX. 
Wells Fargo is guilty of creating insurmountable embarrassment for me and my family. 
Driving by and taking pictures of the house over XXXX times, my neighbors noticed over the years and they started gossiping about us. Our credit and reputation have been ruined because of this for the past 15 years. It led to our divorce and the decline of our physical and mental state of mind. 
Someone contacted our police department and my house was subsequently put under investigation for criminal activities I felt as if I was being watched by everyone. 
I can prove my family and I were victims of a Criminal Enterprise that started at XXXX XXXX  and ended with Wells Fargo. 
Wells Fargo knowingly continues covering up this case to avoid a lawsuit. 
I'm looking for an Attorney to take my case to court if needed. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
I thought i was purchasing a product from a legitimate site. This site ended up being a Phishing site and Fraudulently charged my card 3 times in the amounts of {$99.00}. The merchant statement came from XXXX XXXXXXXX XXXX XXXXXXXX through XXXX on my bank account. 

This happened XX/XX/2023 and i filed XXXX disputes with Key bank on XX/XX/2023. 

After multiple rejections and working with their executive office " XXXX XXXX and XXXX XXXX '' i was given a formal denial in XX/XX/2023. I was told to contact the merchant, which does not exist. 

The executive office of key case number is : XXXX the Fraud Dispute numbers are : XXXX XXXX XXXX Shortly after this happened my card was completely compromised and used out of state, which i had to request a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX, there was a JPMCB credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my XXXX credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with Chase ( the card company ). 

In XXXX, I started reporting the issues to XXXX. Around XX/XX/XXXX, I contacted Chase fraud and they said they would open an investigation. Since then, I have not heard from Chase and my credit score is still low and the XXXX site still lists the card as having debt under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 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: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have request documents from the bureaus. I have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Received a text alert from Transunion that XXXX XXXX  received a copy of my credit report which created a hard inquiry on my credit file. When I called to report that this was FRAUDULENT, they refused to assist. I have to send them a letter proving I didn't authorize the inquiry, XXXX XXXX  acknowledges the inquiry but has also refused to assist based on the application being denied. 

The company that accessed my credit report will not send anything to me in writing and has remained silent on this request. Transunion has refused to help even after I contacted the company that did this. 

I have sent 4 letters in the last month to help rectify this issue, and then last night on XX/XX/XXXX  XXXX XXXX  accessed my credit profile again in less than a month. That twice since XX/XX/. 

Transunion refuses to help.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited a check ( {$23000.00} ) on XX/XX/XXXX  in a Bank of America ATM machine. After it took my check, the machine crashed and rebooted, stating it is out of service. I called and filed a claim that evening. The only process to file a claim for this situation is the same process as third party fraud situations ( credit card hacks etc ). 

Bank of America, as of XX/XX/XXXX, has yet to resolve the situation. I have not recieved any credit for the physical signed check I put in their ATM on XX/XX/XXXX. They provide minimal update information : " we are waiting on the vendor ''. 

I need my funds and this is terribly stressful. I call for updates daily and I have asked for it to be escalated.

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 monetary relief
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.

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 2023-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 945k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was never late on this account. 
XXXX These account era incorrect and not are mine XXXXXXXX XXXX XXXX XXXX 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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