vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am not aware of any of these inquiries, these are unauthorized. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nations Direct Mortgage, LLC
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXX I applied for a mortgage forbearance. The application process was supposed to take less than 30 days but Nations Direct said that they had a backlog and it would take longer. It took several months during which time they assured me that it was ok for me to not make payments. The forbearance was eventually approved but only after they reported several months of late payments. These negative reports have ruined my credit and I can not refinance my home because of it. I spoke with someone at Nations Direct with the initials XXXX who informed me on XXXX the credit bureaus had all been notified to remove the late payments but that did not happen. Now, Nations Direct is telling me that Ill have to contact their research department, but no one knows how long it will take to resolve this. Ive been denied refinance loans because of this. The matter is time sensitive and Nations Direct is not doing very much to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged {$990.00} on XX/XX/year> by a company called XXXX to my debit card/Visa linked to my Checking account. This was the total from 4 transactions. I immediately disputed these four transactions with Wells Fargo. They have declined my dispute. However, these are not my charges. I did not authorize them. Wells Fargo has refused to assist me with 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 2024-06-24 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: NC

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-06-24 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: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-06-24 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: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX my debit card was declined and I should have had plenty of money in my account. I logged into my banking account to see large payments to my capital one credit card that I did not authorize. I tried to log into my capital one account but I was locked out. I called them to find out my account was hijacked with username, password and address changed. The capital one representative helped me get my account back and changed my address but failed to alert me that 30 minutes prior to this call a card had shipped to the address of the hijackers in XXXX. I live in XXXX  and always have. They made payments to the card from finacial institutions I did not recognize, spent all my travel points and drained my personal checking account with the hopes of having a higher credit limit. Then there were numerous charges made on my credit card at atms and online stores that were declined. All these unauthorized charges were returned, had insufficient funds or declined. On XX/XX/XXXX I called for a new card as advised to and they asked if i made charges in XXXX. I had not and was informed that my card had shipped there. On XX/XX/XXXX capital one closed my two credit card accounts stating there was nothing I could do because the returned payments and insufficient funds was against their policy. Prior to this identity theft I had never had a returned payment, insufficient funds or even a late payment but they closed my accounts anyways even though it was clearly unauthorized charges and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: PA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My debit card was compromised on XX/XX/year>. I submitted a dispute immediately when noticing that my money was being moved around within USAA and purchases made from a company called XXXX XXXX ( from multiple accounts ) and XXXX  ( from a single account ) on the same day. All of the disputed charges from XXXX XXXX have been resolved. The dispute for the fraudulent charge from XXXX in the amount of {$3900.00} was denied. I have no idea who this company is and as explained to me by USAA, it is a cosmetics company. I don't wear make up nor do I purchase large quantities of products at almost {$4000.00}. I appealed to ensure a thorough investigation is completed and asking that my funds be returned. There has been reports of multiple USAA accounts being fraudulently charged and I am assuming I the next victim. I asked them to take a closer look at my purchase history and reconsider refunding this fraudulent charge. I have heard nothing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you examine the documents? Some accounts are inaccurately listed with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase checking account has listed a random person from my email as a XXXX recipient in the account bill payment area. I called Chase XXXX fraud telephone number on XX/XX/year> at XXXX and Chase advises that XXXX is a 3rd party and XXXX searched my email and found the random person and XXXX inserted the random person and their random email into my Chase account page. 
I dispute any desire to ever use XXXX for any reason. I have never used XXXX. I would never use any outside vendor to pay anyone from my Chase bank account. Chase fraud department is falsely advising that I must speak to the 3rd party vendor XXXX to remove or rectify the situation. Chase has violated my legal rights to privacy of the contract between Chase and me as the account holder by giving an outside vendor access to my email addresses or emails. Chase has a legal duty to keep anyone and any company from looking at my emails or email contacts or adding, allowing access to, or assisting any vendor including XXXX, or any person or company, from accessing my Chase account or my emails, or personal information, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: 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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: 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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have encountered with Bank of America. In XX/XX/, I received a cashier 's check via USPS from an individual purchasing furniture from me. The furniture was listed on various social platforms. After receiving the cashier 's check, I deposited it into my Bank of America account. 

To my shock, Bank of America closed my account without any prior notification, claiming that I knowingly attempted to cash a counterfeit check. When I contacted the bank for clarification, I was treated disrespectfully and accused of being a fraudster by the fraud department. They threatened to report me to all relevant authorities as a counterfeiter, effectively barring me from opening any future accounts. 

I have filed a police report and a complaint with the FTC regarding the scam. However, the repercussions of this incident have severely impacted my life. I am now unable to cash checks made out to me, which is affecting my livelihood. Businesses refuse to work with me, I am unable to pay my rent, and I was even unable to cash a State Treasury check sent to me by the IRS. Additionally, I am unable to do something as simple as renting a car. 

This situation is untenable and unjust. I am seeking immediate assistance to resolve this matter and restore my financial standing. I urge you to investigate this issue and rectify the false allegations against me. 

I will provided copies of documents as needed

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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX Bankruptcy Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry 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 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: MS

Complaint narrative:
CARMAX AUTO FINANCE {$13000.00} XX/XX/year> THIS VEHICLE WAS PAID OFF IN FULL FROM XXXX XXXX XXXX AND IT'S STILL SHOWING ON MY CREDIT REPORT... IT'S PAST 7 YEARS AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost XXXX XXXX to 2 years to render aid during that crisis. Along with that the company I was working for XXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX along with proof that XXXX  delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my XXXX XXXX XXXX XXXX but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost 1 1/2 to 2 years to render aid during that crisis. Along with that the company I was working for XXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX along with proof that unemployment delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my mental state of mind but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.

Company response to consumer: Closed with non-monetary relief