vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX ( XXXX ) for a balance of {$1100.00}, XXXX XXXX Account Number : XXXX violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and doe
s not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

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 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear XXXX, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information.

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: AK

Complaint narrative:
XXXX Request a card from Netspend tried to activate and they closed account they said I have others under my name. First time I ever tried there card. Card # 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 2024-10-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquiries on my Equifax report that I do not recognize never sign up for these it got to be fraud the first one is XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. The second one is XXXX XXXX on XXXX XX/XX/year> and XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/year> XXXX  XXXX via dealer XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX  XXXX, Texas XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian Consumer Dispute Center po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX  XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I submitted my request to remove PMI in XXXX XXXX. I then emailed them on XX/XX/XXXX and I have yet to receive a single voluntary update from NewRez on the status of my PMI cancellation. There have been no letters or emails received to-date regarding the status of the cancellation ( beyond that they are working on my request ) and each update that I have received has only be at the behest of my calls or online chats with Newrez team members. During XXXX online chat, XXXX team member told me that they had not received my request and then I shared with them that my check for {$150.00} had been deposited for several weeks. At this point, they did acknowledge that they did in fact have my request and would be scheduling an appraisal of the property. The appraisal took another XXXX weeks beyond my check being deposited to get scheduled, which is excessive. 

Beyond the lack of communication on the part of Newrez, there has been what appears to me, as many instances of delay tactics and intentional maneuvers to layer communication to avoid accountability to addressing my needs as a consumer. No one appears to be able to answer direct questions as to why this process has taken so long, several people to have looked into the situation during each conversation just to provide an update and any time I request copies of my paperwork ( like the application, appraisal, cancellation policy, etc ), Im met with responses like that document doesnt appear to be uploaded yet or I dont seem to have access to that or youll have to include that request in writing to me. These all appear to be unethical delay tactics to continue collecting unnecessary fees from me and my family. This level of service is unacceptable and should not be acceptable to leaders of this company if they care about customer satisfaction of which this does not appear to be of concern. 

I emailed NewRez of this issue ( on XX/XX/XXXX ) and requested the appraisal that they completed and also requested a copy of the PMI policy, but have only received an email response back stating that they had received my email. I sent the email to XXXX XXXX ( NewRez Servicing Team Leader ) & XXXX XXXX ( NewRez Head of Servicing ) - of which I have received no direct contact from, again beyond the note that they have received my requests.

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 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I was contacted by someone who identified themselves as " XXXX XXXX, '' claiming to be the President of a non-profit womens rights organization I am on the board of. The individual requested that I facilitate several wire transfers for what they claimed were urgent expenses related to networking, XXXX support, and promotional services. These transfers were requested on behalf of my organization, which I believed to be legitimate at the time, since during this month there was increased organization activity related to a conference hosted in XXXX XXXX. 

I received detailed wire instructions throughout the communication, including the names of various recipients and their bank account details. The total amount I transferred over a series of transactions was {$10000.00}. 

Below are the relevant details : * First Transfer : {$2200.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX. '' * Second Transfer : {$3200.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX. '' * Third Transfer : {$5100.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX XXXX '' XXXX XXXX, our womens rights organization, held a board meeting today where I presented our financials for the third quarter. However, after presenting these transactions, the president suspected that something was wrong, as she notified me that we never do wire transfers. It became clear that the requests for payments were fraudulent. 

I have fallen victim to a scam and request a formal investigation into the individuals involved and hopefully recover some, if not all, of the amount that was stolen. This amount of {$10000.00} is vital to our organization and the loss is a huge setback.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, Equifax charged my XXXX credit card {$19.00} for a subscription. What happened was that in XXXX, as part of an application to refinance our home I had to lift my credit freeze on all credit bureau companies, including Equifax. In order to lift the freeze I had to sign up, I did for 1 month of trial cost of {$4.00}. After XXXX accessed my credit report with Equifax, I cancelled the service online. I received confirmation, after I received the confirmation I went to my Equifax account to remove my billing info and check what charges I had on, it was only the {$4.00}, the charge, I wanted to remove my billing card after the cancellation for my own peace of mind, it didnt allow me nor gave the option to remove my billing card, many hours hours after I cancelled they billed my credit card {$19.00} and when I spoke to them more than once they said the charge happened before I cancelled, which is not true, they intentionally have their system rigged. 
When I called them XXXX time to make sure they understood what happened and asked for reversal of charges they refused to reverse the charge on my credit card. This was a complete rip off and an example of a very shady practice by this company. Respectfully, I thank you. 
ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No I WANT THE CFPB TO PUBLISH THIS DESCRIPTION O

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XXXXXX/XX/year> I applied for an online payday loan & was scammed. I had never applied for XXXX before so when they asked me for my bank information & to send a XXXX to make sure everything is verified I did. Youll see on the attached checks that they deposited 4 checks that were written for large amounts but cashed for different amounts & with a forged signature of mine. I did send the XXXX & I know how bc Ive sent them in the past but I didnt know it was fraud, they said it was to verify my account information. After speaking to my daughter she told me it sounded like a scam. I called the bank & put in a dispute provided all the information they wanted & they gave me back my money for {$640.00}. They changed my bank account & closed the old one. I thought the bank would go after the scammers but instead on XX/XX/year> they said its my fault bc I sent them a XXXX & they reversed the credit of {$640.00}. I spoke to my niece a former bank employee she stated the bank shouldve caught that the deposit amounts were wrong & called me about the deposits & maybe that couldve stopped them before I even sent the XXXX. That money was for me to move into my new apartment in a couple weeks. Please help me get my money back. Thank you so kindly!

Company response to consumer: Closed with explanation