vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent Equifax a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). Equifax sent a response to me stating that these accounts were verified and accurate when they are not. I sent Equifax another dispute on XX/XX/XXXX XXXX Tracking Number : XXXX in regards to the investigation results still having inaccurate information. 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 informationisinaccurate.

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 2024-05-28 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-28 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 recently submitted a request to have fraudulent accounts removed and blocked from my fico credit report with experian and they emailed me back saying they believe my request to be an error and to verify that it was indeed me submitting the request and to resubmit my documents because they were not legible. attached is my initial complaint with my updated " legible '' documents they asked me for. this is indeed me XXXX XXXX. 

here is the information they requested once again : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX Social Security number XXXX Date of birth XX/XX/XXXX Complete addresses for the past XXXX years XXXX Lake XXXX XXXX XXXX Ga XXXX Initial complaint below : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical account opened at XXXX XXXX Innovations on XX/XX/XXXX under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a account balance of {$14000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and 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 explanation
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my XXXX XXXX negatively. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 2024-05-28 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX an unauthorize ACH Transaction of {$5000.00} was taken from my account On XX/XX/XXXX another unauthorized transaction of {$5000.00} was taken from my account Filed a claim with Bank Bank Rep input the wrong amount of {$18000.00} when it was actually {$10000.00} Bank Denied Claim Appealed Claim Filed Police Report Bank denied 2nd appeal With not provide me with any information or specific documents used to make this decision Bank will not allow me to talk to an investigator I have called the bank daily and I am getting nowhere They say the only way to talk is if new information is discovered but I have given all information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been dealing with identity theft that started picking up quickly in XX/XX/year>. Since then, I have repeatedly reached out to Experian to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Experian numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - instead, Experian reps push their paid services on me or tell me to set a security pin, which can be reset using the online option I mentioned above.

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 2024-05-28 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: NY

Complaint narrative:
Remove fraudulent account, generated by company XXXX XXXX Bank Card Ser, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems INC/ XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Violation and Lack of Collection Notice Dear Sir/Madam, I am writing to formally notify you of a serious concern regarding the handling of my protected health information ( PHI ) by your agency, which appears to be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Additionally, I have not received any prior written notification regarding the collection of this debt, as required by law. 
On XXXX XXXX, I became aware that my PHI was disclosed improperly when I received a copy of my XXXX credit report in which sensitive health information was discussed openly without my prior authorization. 
I have not received any written communication from your agency informing me of the debt in question, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) that mandates a written notice within five days of the initial contact.

1. I request that your agency immediately cease and desist from any further unauthorized disclosure of my PHI.

2. Please investigate this matter and take appropriate corrective actions to ensure that such violations do not occur in the future. Provide me with a written response detailing the findings of your investigation and the steps taken to address the violation.

3. If there is indeed a valid debt, I request that you provide me with a certified mail receipt with my name on it and my signature proving I received tcorrespondence. Also, include the details of the debt as required by the FDCPA, including the name of the original creditor and the amount owed.

Please be aware that if these issues are not addressed promptly, I will have no choice but to file a formal complaint with the Office for Civil Rights ( OCR ) at the Department of Health and Human Services ( HHS ), and I may also seek legal advice to explore further actions.

I expect a written response from your agency within 15 business days from the date of this letter. Failure to respond appropriately will compel me to escalate the matter to the relevant authorities. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Hello, I am writing to address an error regarding the {$92.00} fee scheduled for XX/XX/XXXX. According to the fee saver schedule attached to this email from the NetCredit.com site, the correct amount should be {$88.00}. 

After my XX/XX/XXXX payment, my total amount due was {$2000.00}, as shown on my most recent statement posted on the website. The fee saver schedule, current as of XX/XX/XXXX, indicates that the correct fee amount should be {$88.00}, not {$92.00}. I have also attached photos of previous statements going as far back as XXXX, showing instances where NetCredit has overcharged me. I sent multiple emails to the company but yet to receive a response. I also called customer service multiple times but continue to receive no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me. I demand damages for these violations.

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 2024-05-28 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-28 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: FL

Complaint narrative:
The following account reporting only on Equifax is not mine : XXXX XXXX XXXX- XXXX {$3100.00} XX/XX/year> I contacted XXXX and XXXX them for a copy of the application and they told me they don't give out that information. I filed an FTC report which I am including, along with my license and a proof of address. This account is most likely the product of identity theft since my name is so common. Please removed this from Equifax as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-28 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: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed a dispute claim with Wells Fargo stating that I tried to withdraw money from a non Wells Fargo atm and the money was not given to me. The atm broke before it gave me the cash. They told me I that the other company said that the transaction went through. Which it obviously hit my bank account but I did not receive the cash. Per reg e I want that transaction of XXXX to be credited back to my account. The transaction date was XX/XX/24 which was really on XX/XX/24. They provided no proof that I did not receive the amount from the ATM.

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 2024-05-28 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief