vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I observed the company bundling two bills due, into one and stating that was the amount due. I called the company and they provided detailed information on how to approach the company. I wrote to them in XXXX and it didn't seem like they even looked into it. I have a degree in accounting and work in consumer finance. If a knowledgeable customer is asking for transparent billing, why would they not simply update their billing?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Old navy applied to a credit card without my consent. It says in XXXX, Barclays Bank ask your credit report and it's hard inquiry.

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 2024-11-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have tried to use the card online and over the phone with XXXX, I also tried to use it at XXXX XXXX XXXX. Both as for zip code and I used mine but they get declined. I tried using as credit and debit. It take XXXX cents off the card but the sake does not go through. I tried to find a way to add my zip code to the card but the auto answers say you can not do that. I went through every option on the phone and you can not get a real person. I have tried to find merchants that do not require the zip code but they no longer exist. I have XXXX that I can not use and it's very upsetting. I searched on line and I find at rediit that others have the same issue. 

Tried several places XXXX all decline Tried support line XXXX there is no way to get a person Searched online XXXX and see that others have the same issue.

I looked at many merchants and I can not find one that does not require zip code. I also do not what to have to just spend it on something ... I want to get someting I can use like groceries or pay a bill ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: MS

Complaint narrative:
Dear XXXX XXXX, I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer. 
Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws. 
The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers. 
Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the XXXX XXXX to the United States XXXX. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the XXXX XXXX to the United States XXXX. 
XXXX of XXXX and XXXX of Rights The actions of your organization and its agents have been carried out under the XXXX of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.

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 2024-11-23 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION 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 generally, 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and subsequent identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$37000.00} Unauthorized Inquiries XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and subsequent identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$37000.00} Unauthorized Inquiries XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : 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 2024-11-23 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: NC

Complaint narrative:
Hello All, The following hard inquiries are fraudulent and doesn't belong to me and need to be removed please. 

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  Thank you Best Regad

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
Hello All, The following hard inquiries are fraudulent and doesn't belong to me and need to be removed please. 

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 Thank you Best Regad

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : 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 2024-11-23 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: TX

Complaint narrative:
On XX/XX/2024, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, Account regarding this CFPB complaint XXXX XXXX  XXXX XXXX.XXXX, and postal receipt XXXX Postal Receipt.XXXX. 

On XX/XX/2024 they responded to my disputes with their reinvestigation results XXXX XXXX XXXX. 

On XX/XX/2024, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : XXXX. The names and business addresses of each individual you verified the information with, so that I can follow up. XXXX. The date when you contacted the individual furnishers of information. XXXX. The method of communication you used to verify the information. 
I asked them specifically for a ( XXXX ) Description of reinvestigation procedure. 

On XX/XX/2024 Transunion responded with a refusal to process my request. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. 

The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. 

I reserve my rights to litigation, should nothing come from this complaint.

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 2024-11-23 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 am writing to formally dispute the inaccurate reporting of multiple accounts on my credit file. 
Upon thorough review, I have identified numerous violations of XXXX XXXX guidelines and the Fair Credit Reporting Act ( FCRA ) across the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The identified violations are outlined below for each account, and I demand immediate investigation and rectification of these issues. 
Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Violations Identified : 1. Late Payment Inconsistencies : The account reports conflicting 30, 60, 90, and 120-day late statuses without supporting payment data, violating FCRA Section 607 ( b ) ( accuracy requirement ). 
2. High Balance vs. Past Due Discrepancy : The high balance of {$3300.00} is reported without corresponding past due amounts, creating misleading and incomplete information. 
3. Missing Closure Date : Despite reporting severe delinquency, the account lacks clarity on whether it is active or closed, violating XXXX XXXX closure reporting requirements. 
4. Incomplete Reporting : Critical fields ( e.g., last payment date, payment frequency, term length ) are blank, breaching XXXX XXXX completeness standards. 
Account XXXX : XXXX Account Number : XXXX Violations Identified : 1. Erroneous Payment History : Payment history reflects 30, 60, and 90-day late payments without corresponding dates or amounts, violating XXXX XXXXXXXX accuracy guidelines. 
2. Conflicting Closure InformatioXXXX : The closure date of XX/XX/2024 conflicts with reports of recent late payments, creating inconsistency. 
3. Misclassification : The account type " Miscellaneous Home Furnishings '' is mismatched with the revolving credit structure, breaching XXXX XXXX classification rules. 
4. Incomplete Fields : Numerous missing data fields in XXXX reporting violate XXXX XXXX completeness standards. 
Account XXXX : XXXX Account XXXX : XXXX Violations Identified : 1. Inconsistent Reporting Across Bureaus : Payment history, balances, and account statuses differ significantly between XXXX, XXXX, and TransUnion, violating XXXX XXXX uniformity principles. 
2. Erroneous Late Payment Data : Reports of late payments ( 30, 60, and 90 days ) lack corresponding past due amounts or dates, creating misleading information. 
3. Dispute Resolution Misreporting : The account is marked as Dispute Resolved, yet I have received no investigation results, violating FCRA Section 611. 
4. Payment Frequency Mismatch : The payment structure is inconsistent with the account type ( credit card ), breaching XXXX XXXX reporting standards.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On the night of XX/XX/year> I got home from work and mistakenly overpaid my house cleaner through XXXX. I paid her {$240.00} instead of {$140.00}. She sent me a refund of {$100.00} through XXXX. Wells Fargo stopped the payment. I called Wells Fargo and told them what happened, and the customer service rep lied to me stating that there was nothing wrong and it would be deposited by Monday. I get up on Saturday and could not access my online account and I call Wells Fargo again and discussed what happened. I would tell the information would be passed on to the people reviewing the transaction and account. With in a matter of minutes I got an email tell me that my account was being closed. They have lied to me numerous time this week. Wells Fargo is mad I will not allow them to pay items in overdraft and now they are closing my account because they can not take advantage of me any long.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
Jefferson Capital at XXXX has been harassing me for nearly XXXX years now with non stop phone calls. I even get phone calls at XXXX XXXX  on a Saturday by a robocaller. They claim they are looking for someone else which I have told them I do not live with however they continue to call. They have stated threats such as legal action and request personal identifying information over a phone for a debt I never had. I have told them I am on a do not call registry as well with no regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX  # XXXX XXXX, XXXX  XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY 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