vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: IN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my XXXX credit report. Specifically, there is an account under the name 'Discover Credit Card, ' which I did not open or authorize. 

To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. 

Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. 

Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the 'Discover Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. 

Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. 

I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. 

Sincerely, XXXX XXXX Attachments : Police report Identity theft ( XXXX [ XXXX ] )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: AZ

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: OH

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the 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 2023-10-24 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: OH

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA S

ECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX at around midnight I participated in online gambling via XXXX XXXX and XXXX app. I won and requested a transfer of {$200.00} into my account. When I woke up on XX/XX/XXXX at XXXX I checked my account and the funds had been successfully transferred into my Wells Fargo account. I used my card throughout the day with no issues. On XX/XX/XXXX I got an email that my account was overdrawn. I checked my account and the {$200.00} had been removed. I contacted my bank who told me they had no trace of the deposit and XXXX XXXX and XXXX canceled the deposit. I contacted XXXX XXXX and XXXX and they sent me documentation showing it was approved on their end and closed out. They stated they do not have the option to cancel transactions after they are processed. I called Wells Fargo again and they said there was nothing for them to do or investigate. {$200.00} of my money is missing and neither company is trying to help me. I had to borrow money to make my account current and that is not fair because I had money. Fraud is taking place and I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes 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 non-monetary relief
Consumer complaint received 2023-10-25 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX we purchased a pool for {$1200.00} using a Capital One Walmart credit card opened that same day. The pool was returned and we received three XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$210.00} one on XX/XX/XXXX for {$530.00} and one on XX/XX/XXXX in the amount of {$210.00} for a total credit of {$970.00}. Walmart is saying that's the full refund and we have called and talked to numerous people all who say different things. We then disputed the amount of the refund directly with Capital One who is saying we haven't proven our case even though all the numbers are right on the statements. We returned this pool and yet we are not be given our full refund owed.I am beyond frustrated that a company can do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I went into forced placed insurance and my payments went from XXXX to around XXXX. I was late but making payments at their calculated rates. Recently they raised my payments from XXXX to XXXX claiming a shortage of escrow even though I had been paying what they calculated. They also claim I have a shortage of XXXX. 

My loan payoff is only XXXX. I have been recommended for foreclosure. 

I can show where I have had extensive health issues including a XXXX I XXXX this year. 

I can not sustain XXXX per month and I truely need help. I can provide medical history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I knew about Onemain to pull my credit report one time but not the two other times I saw that it was reported three times in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. Take note, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify their address and phone number. Since the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXXXXXX. Please delete these fraudulent accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I traded in my used car with Bridgecrest Financial for a brand new car and the loan is still being reported on my credit report as a active loan that has not been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my Experian credit report. Specifically, there is an account under the name XXXX Credit Card, ' which I did not open or authorize. 

To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. 

Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. 

Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the XXXX Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. 

Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. 

I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. 

Sincerely, XXXX XXXX Attachments : Police report Identity theft ( 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone opened a credit card with capitol one with my social security. I have a hard inquiry on my credit without my oermission

Company response to consumer: Closed with explanation