vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They " subscribed '' me to their premium service for {$26.00}, and they have been charging my credit card that was never given to them. It is so sneaky that they are misusing the information they " hold '' to their benefit. When I called to cancel the service that was never subscribed to, they told me that I viewed credit reports from three bureaus and that they " automatically '' upgraded my membership. It is completely unethical and sneaky. When I called them immediately after the charge appeared on my credit card for the 4th time ( all the other 3 times I did not even realize that they were charging me ) they declined to cancel and refund the amounts charged 4 times but only avoid charging in the future. They have my credit card on my account that I never gave them. It does not even allow me to remove.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
These incompetent people have constantly screwed up. They reduced my interest rate because of their own errors. I have contacted them over 5 times about the issue. The very last time I was told not to worry. As of 2 days ago they reduced my interest rate form XXXX to whatever nonsense. 

Because of their screw ups my CD rate and credit card cashback has suffered. An they're not doing anything to correct it. Just nonsense and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis for their failure to adequately respond to my dispute letter, which I mailed on XX/XX/year>, via XXXX XXXX Mail ( Tracking # XXXX ). 
In my dispute letter, I challenged two specific issues on my LexisNexis consumer report : Inaccurate Personal Information The Accuracy and Verifiability of a Bankruptcy listed as : Court : Texas XXXX XXXX Bankruptcy Filing Number : XXXX On XX/XX/year>, I received a response from LexisNexis. However, this response only addressed identification records, insurance policy records, property insurance claim records, property deed records, property assessor records, professional license records, phone records, online marketing records, and address characteristic records. The response did not address the bankruptcy dispute included in my original letter.

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are required to conduct a reasonable investigation of disputed items and provide a resolution to consumers within 30 days. Despite delivering my dispute and fulfilling all requirements on my end, LexisNexis has failed to investigate or provide any resolution regarding the bankruptcy. This omission is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 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: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, INCOMPLETE, AND UNVERIFIABLE ACCOUNT WITH 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 2024-12-06 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, INCOMPLETE, AND UNVERIFIABLE ACCOUNT WITH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing in response to a notice I received from your company regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. 

To ensure compliance with federal law, I request the following information : 1. **Verification of the Debt : ** - The name and address of the original creditor.

- The original account number associated with this alleged debt. 
- An itemized breakdown of the debt, including principal, interest, fees, and other charges. 

2. **Proof of Ownership : ** - A copy of the original contract or agreement signed by me that created the debt. 
- Documentation that clearly shows your company has the legal right to collect this debt, including : - A copy of the assignment or purchase agreement that transferred this debt to your organization. 
- The date of the assignment or sale of the debt. 

3. **Proof of Legal Obligation : ** - Evidence that I am the individual legally responsible for this debt, including any documentation linking me to the original account. 

I hereby dispute the validity of this debt until adequate validation is provided. Until then, you are prohibited from contacting me further about this debt except to provide the requested documentation. 

Additionally, I request that any reporting of this debt to credit reporting agencies be halted until you verify its validity. Failure to comply with this request may result in legal action under applicable federal and state laws. 

Please respond in writing within 30 days of receiving this letter. This letter is not an acknowledgment of the debt, and I reserve all rights under the FDCPA and other relevant laws. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Demand for Immediate Removal of Unauthorized and Extortionate Collection Account To Whom It May Concern, I am writing to demand the immediate removal of the XXXX XXXX XXXX account reported for XXXX XXXX XXXX ( Account Number : XXXX XXXX ) from my credit report. This collection account is unauthorized, as I have never given permission for XXXX XXXX to report any information about me. Additionally, the reporting of this account constitutes extortionate collection practices in violation of 18 U.S.C. 894, which prohibits the use of extortionate means to collect debts. 

As detailed in the FTC Identity Theft Report I submitted, this account and the associated practices represent a fraudulent attempt to mislead and harm my creditworthiness. Experian and XXXX XXXX are both responsible under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) to block any unauthorized or disputed accounts within four ( 4 ) business days of receiving a valid FTC report XXXX 

Despite my compliance with federal law, Experian and XXXX XXXX have failed to act in accordance with their obligations. The failure to block or remove the fraudulent account further perpetuates financial harm, defamation, and emotional distress. 

I demand the immediate removal of this collection account from my credit report, as it is unauthorized, fraudulent, and extortionate. This account misrepresents my creditworthiness and violates my consumer privacy rights under both federal law and constitutional protections. 

If this matter is not resolved within seven ( 7 ) business days, I will escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal actions, including seeking damages for FCRA violations, unfair practices under the FTC Act, and extortion under 18 U.S.C. 894. 

I expect written confirmation of the removal of this account and assurance that no further unauthorized or fraudulent information will be reported. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 2024-12-06 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:
I am writing to complain about Transunion for a violation of my privacy and consumer rights under the FCRA Fair Credit Reporting Act. These Inquires do not belong to me and have been furnished fraudulently and must be removed immediately according to 15USC1681 section 602 A, states I have the right to privacy. 15USC1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions ; my legal rights have been violated, if this not deleted, I will be forced to peruse legal action. Let this be 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. I have official documentation from the court clearly stating that this bankruptcy should not have been reported to your agency. The fact that this erroneous information remains on my credit file is extremely concerning and calls into question the accuracy of the reporting process. To make matters worse, there is evidence of an unauthorized third party being involved in this situation, further highlighting the severity of the issue and the potential breach of my personal 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 2024-12-06 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: MS

Complaint narrative:
I recently requested and viewed my consumer credit report and disputed an items on my report. Under the FCRA section 605B it is illegal to report any information on my consumer credit report without my permission which is also a violation of FCRA 15 U.S.C. 1681b Permissable Purpose of consumer report. Under 15 U.S.C. 1602 no disclosure was given to consumer to alert consumer of option to opt out of the sharing of NON-PUBLIC PERSONAL INFORMATION NPI. TransUnion, XXXX, XXXX nor XXXX did not have written consent to share any of the consumer 's information. This is also a violation of 18 U.S. Code 1028A - Aggravated Identity theft. Please provide consumer with proof of written consent from the consumer that grants TransUnion, XXXX, XXXX or XXXX lawful authority to share my NON-PUBLIC PERSONAL INFORMATION with third party entities. If TransUnion, XXXX, XXXX or XXXX can not provide consumer with proof that consumer sent written request to share NON-PUBLIC PERSONAL INFORMATION, TransUnion, XXXX, XXXX and XXXX must Delete account 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
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has been reordering my transactions on my account for the last XXXX years in order to charge overdraft fees. They do this unlawful process by reordering transactions which were already cleared or were never showing to be pending but having them clear the next day. Since their system is always updating, it has to be seen in real time occurring the night before and take screenshots as they make the transition appear as business as usual for an already overdraft account. Wells Fargo will also continue to try and take money on fees from my account thats already $ XXXX {$400.00} overdrafted as this can be classified unsolicited predatory lending to be hit with an overdraft on items you never authorized Wells Fargo to pay. They do not have a system that shuts down transactions from an empty bank account.

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