vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. XXXX XXXX XXXX has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : XXXX XXXX XXXX makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. XXXX  loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even XXXX   believes the borrowers often can not afford to repay in full. XXXX   aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But XXXX  is often setting up consumers to fail. 
I am a direct victim of XXXX XXXX XXXX  deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted XXXX XXXX XXXX and all three major credit bureaus ( XXXX, XXXX, and Equifax ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but XXXX XXXX XXXX ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. XXXX XXXX XXXX has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : XXXX XXXX XXXX makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. XXXX  loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even XXXX  believes the borrowers often can not afford to repay in full. XXXX  aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But XXXX  is often setting up consumers to fail. 
I am a direct victim of XXXX XXXX XXXX deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted XXXX XXXX XXXX and all three major credit bureaus ( Experian, XXXX, and XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but XXXX XXXX XXXX ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.

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 2024-11-13 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:
I am writing to formally notify you that I am a victim of a data breach. The following fraudulent accounts and inquiries have appeared on my credit report without my authorization. I am requesting that they be immediately blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. DEPTEDXXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} 2. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$3700.00} 3. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$70.00} 4. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$440.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account XXXX XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account XXXX XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$660.00} XXXX. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$700.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$740.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$46.00} XXXX. XXXX XXXX  Account # XXXX, Opened on XX/XX/XXXX, Balance : {$740.00} XXXX. XXXX  XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$110.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$1500.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$370.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  Account # XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$1400.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$700.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$3400.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX Inquiry dated XX/XX/XXXXXXXX  XXXX. XXXX Inquiry dated XX/XX/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 2024-11-13 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:
I recently reviewed my credit report and noticed several accounts that appear to be fraudulent. These accounts are not mine and have been opened without my consent. As a result, they are negatively impacting my ability to obtain credit. 

I kindly request that you investigate this matter and remove these fraudulent accounts from my credit report as soon as possible. I am happy to provide any necessary documentation or further details to assist in resolving 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2024-11-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting Wells Fargo Bank NA has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that Wells Fargo Bank NA may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, Wells Fargo Bank NA charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. Wells Fargo Bank NA is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$420.00} XXXX - XXXX - {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

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. 

XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-11-13 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received an email from my loan officer requesting a call to discuss the loan. Prior to our call, the loan officer and underwriting assured me the loan was progressing to a closing date in XXXX, and there were a couple of items on the title requiring clarification. Once those items were clarified, we were only waiting on employment verification to come back. On Tuesday afternoon, XX/XX/XXXXXXXX XXXX XXXXXXXX, loan officer, informed me there was bad news about the loan. She informed me that the three accessory dwelling units on our property will prohibit Carrington from proceeding with the loan, due to XXXX XXXX XXXX guidelines. Prior to XX/XX/XXXX, no one from Carrington mentioned anything about XXXX XXXX  and furthermore, the loan officer and the underwriters knew there were three XXXX 's on the property from the very beginning of the loan process in XX/XX/XXXX. They both commented about how beautiful they were and wanted to know if they could visit at some point in the future. Over the course of several weeks, before and after the appraisal was done, Carrington failed to inform us of any issues with the XXXX 's causing a delay or a possible cancellation of our loan. After speaking with XXXX, I asked to speak with her supervisor. XXXX XXXX called that afternoon to reiterate the same issue with XXXX XXXX. During our call, I asked for this to be sent in writing. He assured me it would be sent. He asked how he could make it right, and admitted that this was not due to XXXXXXXX XXXX ignorance, but rather negligence on her part and the part of everyone involved in the loan process. I informed him that he and his team caused severe damage to our family, our plans to begin surrogacy and the countless delays. He agreed that it is Carrington 's fault and accepted responsibility. I am requesting the decision to be detailed and provided to me in writing via email. I have called multiple times today, XX/XX/XXXX, and I've spoken to the Advocacy department, attempted to reach both XXXX and XXXX via phone and email, and our calls and emails have gone ignored. We need a formal explanation and the correct XXXX XXXX guideline cited in their response. As of today, the loan still shows in progress and the title company is still providing updates and requesting information. This experience has been stressful, painful and unprofessional. The lack of transparency and intentionally withholding information about this issue is grounds for legal action. I expect a prompt, detailed response immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
XX/XX/year>XXXX  First Advantage provided incorrect information on my background check which cost me employment. I had the same thing happen with XXXX XXXX XXXX XXXX and they corrected the error. I also provided State of California documentation to support the reporting information was wrong and First Advantage still processing incorrect information to employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I been trying to update my correct address and they wont let me dispute correct information. Who ever is reporting my address is reporting it in error and experiencing refuse to update it even with my proof my drivers license, my XXXX bill, my insurance bill.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
US bank put a freeze on my account because I accidently deposited a wrong check in to the account. When I called to try to fix it they told me I would receive the funds via check and explaining the letter for the account clousure. I have called mutiple times and I am getting no answer and STILL after almost a month do not have access TO MY FUNDS OR ACCOUNT!!

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 2024-11-13 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: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-13 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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