vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit reporting compromised in 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 2024-05-20 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-20 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently XXXX XXXX XXXX ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( capital one and XXXX XXXX ), XXXX XXXX said that there were no accounts opened but capital one said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( XXXX XXXX and wells fargo ), wells fargo said that there were no accounts opened but XXXX XXXX said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MO

Complaint narrative:
I'm leaving this link to give you the current best information available about the situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an online checking account through XXXX  XXXX  Juno and it's banking partner XXXX XXXXe XXXX has frozen all user accounts tied to the brokerage firm ( XXXX  ), leaving me without access to my only checking account with ~ {$1600.00} and only way to pay bills ( in fact, my first car payment on my new car loan was reversed ). Fortunately, I was able to open a new account at XXXX quickly enough to change my direct deposit before my next pay day. Many others were not so lucky. 

Juno advertises that funds held at XXXX are covered up to {$250000.00} through FDIC. Some months ago, they informed us that XXXX may begin also spreading our money through several money market accounts (? ), which would be covered through XXXX up to {$500000.00}, allowing us to opt out by emailing XXXX  Directly. 

This leads us to believe that our funds are safe. What they don't tell you is that those regulators can only step in if the banks holding the money go under, per the Federal Reserve 's statement in court quoted in the above article. Just as the XXXX entities I've trusted with my money are pointing fingers at each other attempting to assign blame with no real progress on getting me access to my funds, regulators are also pointing their fingers at other regulators saying, " it's not our problem, try them. '' I am no fan of regulation. But I do believe in transparency laws and consumer protection. Apparently, even with all the protections I've been afforded through numerous banking acts, if XXXX goes under ( which, it will ), there is no entity to provide me recourse to ensure that I can receive my money held in highly regulated banks. FDIC and XXXX be damned. 

I'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
I reported an identity theft incident last XXXX and subsequently filed a report with the XXXX XXXX Police Department. The case number for this report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I used Lexis Nexis consumer portal to get a copy of my consumer report from them. They have not replied once to my request. I have called them via phone on XX/XX/XXXX and provided them with m y personal information they requested only so they could tell me that couldn't verify my identity. They will not give me my consumer report to view yet they will sell it and provide it too Auto finance companies that have denied me a loan due to my lexis Nexis reporting. I am a retired/disabled XXXX XXXX living in a XXXX XXXX XXXX  because I am being denied housing and credit to get a vehicle due to the information Lexis Nexis is providing paying customers with my personal information that I can not view. I am a victim of identity theft and have provided the three main CRA with all documentation. I told the customer service lady from Lexis Nexis this and she told me that she couldn't do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MD

Complaint narrative:
I contacted the company a few months back and they wanted me to pay to price my identity which I refused to do. I then filed with the XXXX  because they have one of my names wrong. My legal nabe is not XXXX XXXX. Its never been used that way and this leads companies to be able to use that name to put collections on my credit report that do not belong to me. They just did this and Im trying to buy a house and the loan fell through because they let a collection agency put a delinquent account on my report thats not mine. My legal name is XXXX XXXX XXXX. Ive never home by XXXX XXXX. Thats not even me!

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 2024-05-20 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: CITIBANK, N.A.
State: AK

Complaint narrative:
On XX/XX/2024 XXXX fraudulent charges were made on our citibank card- XXXX to an airline in the amount of {$5800.00} XXXX XXXX and the other to XXXX XXXX in the amount of {$380.00}. They reversed the charges to start an investigation and provided us with a new card number and new cards. About XXXX weeks later we received an email stating the case was closed and credits were reversed. After calling we were told that the cardholder accepted the charges. XXXX XXXX and XXXX XXXX ( myself ) are the cardholders and we did not accept the charges. They refuse to do anything. We call every week and are told the same thing every week. We have done our own research and the airline charge was put on hold by credit card company and tickets were never used, but company never received their money- so they are in a sense trying to get double pay. We received mail from the insurance company with our address but someone else 's name ( assuming its the person who stole our information ). We have sent all this information to the Citibank via email and in letter format. They still refuse to do anything and are now charging us finance charges on the credit card we are refusing to pay. 
We have used Citibank for almost XXXX years and normally pay our balance EVERY month.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified XXXX days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This transaction began to take place on XXXX XXXX. When the scammers begin to used my checking account to order cell phone using my XXXX XXXX. Let me explain that I thought that I was working for a shipping company at the time. So they had all of my information. There was XXXX iphone fifteens ordered in my name. So right now has not allowed me to report the cell phones lost or stolen.There is a letter stating that I violated my XXXX XXXX with the company. I am annoyed because when I discovered this I called XXXX to report the issue. Another issue that I have had is with XXXX from the first job scam the scammers over ran my charge account. When I reported to Discover that I was a victim of a scam, I was told that there would be an investigation. But after the investigation no one has reached out to me and on the activity log how the scammers added payments to my account and then retracted the internet payments. So now once again I am held responsible for something that is out of my control. Not happy at all. Thank You 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 monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Recently CFPB closed my case after a simple response from Wells Fargo about unauthorized debits from my account by a XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did find there was fraud on my account as well my being the victim of financial exploitation in this matter. The XXXX on my case for XXXX XXXX is XXXX XXXX XXXX. I would like to appeal this complaint with Wells Fargo asap. XXXX XXXX can be reached at : XXXX. XXXX XXXX can be reached at XXXX. My family is in a serious deficit due to the {$35000.00} stolen from me. Wells Fargo needs to reimburse my money.

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 2024-05-20 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: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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