vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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 just recently looked at my Equifax credit report on XXXX XXXX. I saw some hard inquiries that did not have permissible purpose or authorization from me I also attached evidence. These inquiries have no permissible purpose to be on my credit report delete these inquiries due to violation of 15 USC 1681b 1. 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TN

Complaint narrative:
Tek Collect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Originated from XXXX XXXX XXXX XXXX stating a balance owed of {$640.00} with a highest balance of {$790.00}. All billing statements issued to XXXX XXXX was for {$120.00}. 

Date reported XX/XX/2024, Age of Account is 1 year, 6 months Information was requested over 2 months ago and company has not responded. I requested original statement from the billing party showing all balances owed and yet to receive any type of response and requested this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: SC

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.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I am writing to lodge a formal complaint against Chase Bank for their continued failure to resolve an issue concerning a fraudulently opened account under my name. This account, an Amazon Visa opened in XXXX and ending in XXXX XXXXXXXX with a balance of {$3000.00}, was opened without my knowledge or consent during a period when my identity had been stolen. Despite never having any dealings with Chase Bank, this fraudulent account has severely impacted my financial standing. 

I have been disputing this charged-off account vigorously since at least XXXX, following my XXXX XXXX XXXX with the most recent communication sent XXXX XXXX XXXXXX/XX/XXXX. On several occasions over the past year I have provided Chase with a comprehensive FTC fraud report, which acts as an official police report for identity theft, yet they refuse to remove the account. They argue that because payments were made on the account, it must be minea claim that ignores the fact these payments could have been made by the identity thief. 

They have not provided any information about this account, including what method was used to open the account, the ID that was used when opening the account, the signature of the person who opened the account, or any information about the bank account that was used to make payments on the account. 

I suspect a family member may be involved, given their access to my personal information, but I lack direct evidence. My repeated attempts through calls and written communications have been disregarded, and Chase continues to maintain the account on my records, unjustly preventing me from accessing credit. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Texas FCRA and Identity Theft Laws Enforcement Hey I C SYSTEM, I'm reaching out regarding a serious breach concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with the Texas Finance Code sections 392.301 and 392.305, not forgetting Texas Penal Code Section 32.51 on identity theft.

It has dawned upon me that I C SYSTEM has taken liberty in reporting to my credit without my explicit say-so. Federal law, under the FCRA, makes it abundantly clear that consumer consent is paramount for such actions, as stated in Section 1681b ( a ) ( 2 ).

In tandem with federal mandates, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the importance of consumer consent in credit reporting. Also, Section 392.305 of the Texas Finance Code lays down the law on fair reporting practices. And let 's not overlook identity theft laws, like Texas Penal Code Section 32.51, which underscore the gravity of unauthorized access and misuse of personal info.

I assert, without a shred of doubt, that I've not greenlighted I C SYSTEM to report any information to my credit. This blatant lack of explicit consent violates my rights, posing a threat to my creditworthiness and showing utter disregard for federal and state laws.

I demand, unequivocally, that I C SYSTEM immediately halt any further reporting to my credit without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within XXXX  days will be seen as intentional defiance, subject to penalties under relevant laws, including identity theft statutes.

Obtaining consent isn't a choice ; it's a legal duty under these sections of the FCRA, Texas state law, and identity theft regulations. This isn't up for debate ; it's a demand for adherence to federal and state rules, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I expect your immediate attention to this matter and trust that I C SYSTEM will swiftly rectify these egregious transgressions, honoring my rights under federal and state laws.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-07 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: FL

Complaint narrative:
On XX/XX/2024, I looked at my report back 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. These accounts 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 are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I appreciate your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Unauthorized XXXX Transactions and Suspected Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank due to unauthorized transactions made via XXXX from my account, which I suspect to be a result of identity theft. 

Upon noticing these unauthorized transactions, I reported the issue to Wells Fargo immediately. Despite my prompt action, Wells Fargo denied my claim. I believe that I have been a victim of fraud and identity theft, and that the bank has not provided adequate assistance in resolving this issue. 

I request the CFPB 's help in investigating this matter and ensuring that Wells Fargo takes appropriate action. I also request assistance in taking necessary steps to protect my identity and prevent further fraudulent activity. 

Account Holder : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$400.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$120.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$1000.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ Email : XXXX Phone : 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 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention a serious issue regarding unauthorized credit inquiries appearing on my credit reports from TransUnion. These inquiries were made without my consent, and I believe them to be indicative of potential identity theft. 

Upon reviewing my credit reports from each of your bureaus, I discovered the following unauthorized inquiries : XXXX XXXX Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>. 

I want to emphasize that I did not authorize any individuals or entities associated with these inquiries to access my credit reports. This is a clear violation of my privacy rights and raises serious concerns about the security of my personal information.

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 2024-05-07 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: MD

Complaint narrative:
I beg you please remove this from the credit 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 2024-05-07 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: MO

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 informationisinaccurate.

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 2024-05-07 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: MO

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I've had problems logging onto my TD Bank account because they do not send verification codes by text or calls. Once in a while they will call. Often it takes hours to log on. 
Another problem is when I try to link other Bank Accounts to my TD bank account. For the final step in this process they say I need to verify my email address ( which I have had for nearly 40 years } with a verification code. However they do not ever send a code. This in effect blocks me from linking a bank account with TD Bank. 
I was on the phone with reps and supervisors and they blamed everyone in the world including my cell phone carrier and XXXX for these problems. Today XX/XX/year> I was on the phone with them again for over one hour, but we could not get the problem solved. The rep said she was waiting for a response from a supervisor before she hung up, disconnected. 
Seems to me this is deliberate to prevent linking accounts to TD Bank. I was however able to link my XXXX account because this is done through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX b ) XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Equifax XXXXXXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account XXXX : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

Company response to consumer: Closed with explanation