vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, 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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am in the process of making complaints through other agencies because they ignored recommendations from your company. This is my second complaint. 
As indicated in my previous complaint, I requested a balance transfer of about {$12000.00}. The company granted about XXXX of the amount. Then proceeded to apply it as if I had agreed to that amount. I did not. As a matter of fact, I never called to accept the credit card sent with that amount on the the card. Because of identity theft, The company would not know if the correct person received it unless I called from a number on application. Also, a company sends balance transfer checks so they the customer can call to know when to send payment in to determine the billing date. I never gave permission for any transaction to occur between myself, Bank of America, and XXXX XXXX. The solution is for Bank of America to reverse the charges and send the {$4000.00} plus back to XXXX card. Otherwise, this is blatant credit fraud. I will not submit to a payment that I didn't ask for nor did I approve. Please do what is necessary to fix this problem. I am sure this unlawful practice have been done to others. Thank you for your assistance. Hopefully, you will prevent this from happening to others.

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 2024-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 : XXXX XXXX, XXXX  - ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  XXXX- ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX- ACCOUNT # XXXX XXXX. XXXX XXXX XXXX- ACCOUNT # XXXX FRAUDULENT INQUIRIES XXXX INACCURATE NAMES XXXX. XXXX XXXX XXXX INACCURATE ADDRESSES XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX INACCURATE EMPLOYMENT XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
Following 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 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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 delete the accounts listed below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Bureau : TransUnion Creditor Name : XXXX Date of inquiry : XX/XX/year>, Bureau : TransUnion

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I lost my phone and my card was wrongfully used it was not authorized to be used and I was charged {$160.00} I reported this to Wells Fargo and they provided provisional credit while they investigated the card was replaced and they sent out a new one.. on XX/XX/year> my card again was used without my knowledge and I disputed the transaction however I filed the claim late on XX/XX/year> as I didnt receive any alerts of the transaction and only found out about it when I went to go use my card and my transaction was declined I called the bank they opened a dispute but didnt provide any credits.i went to go file a police report but the disputes had been closed and denied. Upon calling the bank to have the cases reopened and provide the police case number the bank denied me from reopening the cases and told me the police report isnt necessary as they already closed the case and wont open it again so having the case number isnt going to get me my money back. So I now the bank refuses to reopen my case and they told me that they will not return my funds even if I can prove that the transaction was indeed fraudulent as they already made a final decision and will not overturn it regardless of any new eveidence presented.

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 2024-09-16 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX. Specifically, I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock.

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask the financial institution to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported.

REQUEST ACTION : I request that the Consumer Reporting Agency take the following steps to resolve this dispute : Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 

Removal of Inaccurate Information : If the XXXX XXXX is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83.

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements.

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal 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 explanation
Consumer complaint received 2024-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-09-16 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: TX

Complaint narrative:
I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 1 year ago ( XX/XX/year> ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. 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 2024-09-16 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: IL

Complaint narrative:
1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: IL

Complaint narrative:
1 XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies ( payment history, credit limit, date last active, and date of last payment. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, 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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One placed a hold on a check that I deposited yesterday. Received an email from their Cybersecurity department first telling me that only {$220.00} would be available the next day, ie tomorrow. Then there was another email stating that the funds would not clear until next week. 
The company has had derogatory actions on my account on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation