vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, authorized this dispute and want to make clear that it wasnt initiated by an unauthorized third party or credit repair service. Im addressing significant violations of the Fair Credit Reporting Act ( FCRA ) and other related consumer protection laws that require immediate action. These violations include : Willful Noncompliance ( 15 USC 1681n, FCRA Section 616 ) : Credit information about me was accepted and reported without verifying its accuracy, which constitutes a willful violation of the law.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a , FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to inform me of my right to opt out of sharing my personal information, depriving me of important consumer protections.

Furnishing Deceptive Forms ( 15 USC 1681s-2 ) : My credit report contains inaccurate inquiries and accounts that were not properly validated. Reporting these inaccuracies is misleading and violates GAAP principles.

Violation of Debt Collection Practices ( 15 USC 1692 ) : Inaccurate debts and accounts were reported without my consent, leading to harassment and unnecessary stress from creditors.

Improper Disclosure of Debt Information : Debt collectors shared my information with third parties in violation of the law, falsely stating that I owed a debt.

Inaccurate Late Payment Reporting : Late payments were reported on my credit report without clearly defining what constituted " late, '' leading to deceptive and inaccurate reporting.

Failure to Accurately Determine Finance Charges : As a credit reporting agency, you failed to ensure the accuracy of finance charge calculations, which is your legal responsibility.

Unauthorized Credit Report Access ( 15 USC 1681b ) : Information was reported on my credit report without my written consent, violating permissible purpose requirements.

Requested Actions : To resolve these issues, Ive outlined specific corrections, including updating inaccurate late payment reports to paid as agreed/never late, removing unverified and unauthorized accounts, and deleting unauthorized hard inquiries. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others. 

I expect these violations to be addressed promptly. If they are not resolved, I will exercise my right to seek legal remedies under the Fair Credit Reporting Act.

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 2024-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/year>, in my capacity as Executor to a relative 's will, I transferred funds to JP MORGAN CHASE to pay off a mortgage loan. The initiating bank, XXXX XXXX, confirmed the wire transfer went through successfully that same day. JP MORGAN CHASE continued to send monthly mortgage payment demands. I immediately followed up and provided them with the physical wire transfer receipt but the mortgage payment demands never end, I have contacted multiple people in their organization whose names I can provide and I have the dates of all the phone calls, FAXes, and emails sent into the great void at JP MORGAN CHASE which are all too voluminous to include here. 

Ultimately, XXXX weeks later JP MORGAN CHASE still can not locate the funds and have done nothing to resolve the issue despite countless conversations and sending resending and sending yet again of all of the required data!!! The demand letters keep coming. Meanwhile the application of the funds on the date sent is critical to settling my relatives estate and yet NOTHING from JP MORGAN CHASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 XXXX 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 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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 XXXX 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

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 2024-11-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX of XXXX  my account in Wells Fargo was hacked and XXXX $ was transferred from my checking account to my savings account and total of XXXX $ was wired to a person named XXXX XXXX. 
This was an absolute fraud because I do not wire money to individual accounts, I do not transfer funds from personal account to XXXX and wiring money from my savings account to someone very strange. XXXX of the governing Security Procedures is suspicions pattern of wires, bank security system was supposed to be detecting those issues and have extra verification. 
When I tried to log in to my account, I was asked to put verification code to be able to sign in to my account. It was clearly saying that, that verification is to recognize my device, I was never asked to wire money or to put the verification code for wiring money. 

I contacted the bank right away, after answering the phone in XXXX minutes I explained them what happened and they closed my online banking, opened up a claim and XXXX  days later I got a mail from Wells Fargo saying that, everything was done through governing Security Procedures and that I was responsible for the Fraud that has happened to my account through their main domain wellsfargo.com. This is absolutely unfair from Wells Fargo and they must take responsibility for this issue.

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 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and am taking action to address these issues. The FCRA requires credit reporting agencies and furnishers of information to ensure the accuracy and integrity of the data they report. Here are the key violations I am disputing based on U.S. law : FCRA Section 616 - Civil Liability for Willful Noncompliance : The credit reporting agency failed to verify the accuracy of my credit information before accepting it, which is considered willful noncompliance. This could lead to civil liability under the FCRA, with penalties of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosure of Personal Information : They did not inform me of my right to opt out of sharing my personal information, which is a violation of my rights as outlined in the FCRA.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Inaccurate Information : They reported inaccurate inquiries and accounts without proper validation, which is misleading and violates the requirement to report only accurate information. 

Debt Collection Practices Act : I was subjected to unfair debt collection practices, such as the reporting of unverified debts, which caused unnecessary distress and harassment.

Acquiring Location Information Regulations : Debt collectors violated regulations by disclosing my debt information to third-party credit reporting agencies without my consent, which is prohibited under the FCRA.

Timely Payments Regulations : The credit reporting agency inaccurately reported " late payments '' without proper clarification, which is deceptive and violates regulations concerning the accurate reporting of payment history. 

Finance Charge Determination : They failed to accurately report finance charges, which is a responsibility of the credit reporting agencies under the FCRA.

Permissible Purpose of Consumer Reports ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries were made on my credit report without my consent, violating the requirement that a permissible purpose must be established before accessing my credit report. 

Due to these violations, I have requested that specific accounts be updated to reflect accurate payment histories and that unverified debts be validated according to FCRA Section 1692g. If the requested actions are not taken, I will pursue legal remedies as provided under the Fair Credit Reporting Act.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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 XXXX 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 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 explanation
Consumer complaint received 2024-11-27 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:
I am writing to formally notify you that I am a victim of identity theft. Fraudulent accounts have been opened in my name as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that all accounts listed below be blocked and deleted from my credit report immediately. 
The accounts in question are as follows 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. Fraudulent accounts have been opened in my name as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that all accounts listed below be blocked and deleted from my credit report immediately. 
The accounts in question are as follows 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 explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-27 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-27 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: MO

Complaint narrative:
Ive noticed inaccurate hard inquiries on my credit report, which were not authorized. Kindly delete them.

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