vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-08 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : **** Please remove it from my 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 non-monetary relief
Consumer complaint received 2024-08-08 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: MA

Complaint narrative:
To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : 1.My Full Legal Name : XXXX XXXX XXXX Government I.D . attached ) 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Proof of address attached ). 
XXXX. My DOB as it is written on my government issued ID : XX/XX/year> Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE this address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested trafficking victims rights from XXXX, my creditors and a the leasing XXXX rental screening. I sent my victims case numbers from DOJ. letter from the attorney genrel for me, XXXX letter and hr XXXX bill and drivers license. Each organization just pasted me from to the other org. saying they couldn't make the change.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested trafficking victims rights from equifax, my creditors and a the XXXX XXXX XXXX XXXX I sent my victims case numbers from DOJ. letter from the attorney genrel for me, XXXX letter and hr XXXX bill and drivers license. Each organization just pasted me from to the other org. saying they couldn't make the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry SPV, brough a civil lawsuit in XXXX XXXX XXXX XXXX in the State of Georgia, ( case # XXXX ), the Judge ruled the the favor of the Cavalry CPV. I filed an appeal in XXXX XXXX XXXX XXXX ( case # XXXX ). On XX/XX/year>, the debt collector failed to appear in court, leading the judge to dismiss the case in my favor. Before this, the debt collector never provided a validation notice. Despite the dismissal, the debt collector continues to report the debt to the XXXX credit reporting agencies. Initially, the debt amount was {$3100.00}, but they are now reporting a higher amount of {$3600.00} to XXXX, XXXX, and XXXX. Cavalry, has violated South Dakota Codified law 53-1-2 and Federal law 15 USC1692j ( a ), 1692 ( e ) ( 9 ) ,1692 ( e ) ( 14 ), 1692 ( i ) ( a ) CFPB Section 1006.34 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have a Platinum Amex Card with no preset spending limit, for XXXX years. 

I have made every payment on time. 

On XX/XX/year> I had a balance of {$26000.00}. 

On XX/XX/year>, I received an email stating that my credit was established at {$22000.00}. 

Since this credit limit is under the amount of the balance, this will impact severely impact my credit score. So I called to get the credit limit adjusted to fit my balance. 

On XX/XX/XXXX, I called Amex and they said that my account was reviewed and they didnt have access to my FICO score. ( Thats because I keep my credit score locked, per consumer protection recommendations. ) They said they couldnt fix it because thats what the computer said to do. 

Now I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was fraudulent activity on my account. Truist bank refused to assist me with the issue in terms of investigating and instead closed my account and reported the fraudulent amount on my 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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife and I opened a joint premium rewards XXXX credit card with Bank of America based on their advertised promotions, including {$100.00} of annual credit towards airline incidentals. Airline incidentals that are part of the promotion include in-flight food and beverage purchases. Over XXXX flights, we spent {$19.00} XXXX times for food and beverage, XX/XX/XXXX and XX/XX/XXXX on XXXX airlines. The purchases show as " XXXX XXXX XXXX XXXX XXXX  '' on my statement. 

After we were not credited for the {$38.00} in purchases, I called BofA. I was told it could take up to XXXX weeks to post. After it did not post, I submitted claim # XXXX. I was told this claim could take until XX/XX/XXXX to complete, and when I checked on XX/XX/XXXX, there was still no credit. I called back again to BofA, and was told my claim was denied because my purchase was not an in-flight food/beverage purchase, and I was also told there was an email sent to me explaining this on XX/XX/XXXX. Unfortunately, both of these are incorrect.

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 2024-08-08 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 16XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Respondent : Wise.com Nature of Complaint : Failure to Protect Consumers Against Fraud, Inadequate Safety Measures, and Questionable Customer Due Diligence Date of Transaction : XX/XX/XXXX Transaction Details : Recipient : XXXX XXXX XXXX : XXXXXX/XX/XXXX: XXXX Bank : XXXX XXXX, XXXX Amount : XXXX ( approximately {$330.00} USD ) Purpose : Alleged purchase of XXXX XXXX tickets Summary of Events : On XX/XX/XXXX, I initiated a transaction through Wise.com to the aforementioned account, believing it to be a legitimate purchase of XXXX XXXX tickets. I was contacted through XXXX by individuals identified as XXXX XXXX and XXXX XXXX XXXX, who I now believe to be engaged in fraudulent activity. 

On XX/XX/XXXX, within XXXX hours of the transaction, I realized I had likely been scammed and immediately contacted Wise.com to request a cancellation and refund. Despite multiple attempts, Wise.com has refused to assist me in recovering my funds. 

Legal and Regulatory Concerns : I believe Wise.com 's actions, or lack thereof, violate several consumer protection regulations, including but not limited to : The Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX : These regulations provide consumers with certain rights and protections regarding electronic fund transfers, including the right to stop payment on preauthorized transfers under specific circumstances. Wise.com 's refusal to assist in canceling the transaction XXXX be in violation of these provisions. 

The Consumer Financial Protection Act of XXXX ( XXXX ) : This landmark legislation established the CFPB and granted it broad authority to protect consumers from unfair, deceptive, or abusive acts and practices in the financial marketplace. Wise.com 's failure to implement adequate fraud prevention measures and its unwillingness to assist a customer who has fallen victim to fraud could be considered abusive practices under the XXXX. 

Conclusion : I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wise.com for its failure to protect consumers against fraud and its inadequate customer service practices. I request a full refund of the XXXX transaction amount, as well as any applicable fees or charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Dear One Main Financial It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you.

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX rights reserved XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: AZ

Complaint narrative:
On XX/XX/year> i received an alert from XXXX XXXX, XXXX XXXX XXXXXXXX informing me that there's been a recent change to my credit report! To my knowledge i haven't applied for any new accounts. So i log onto each website concerned, to find these companies [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] have placed Hard inquiries without my permission, I do not know who these people are nor why they have appeared on my credit profile! This is very damaging and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: AZ

Complaint narrative:
On XX/XX/year> i received an alert from XXXX XXXX, True-identity, And Experian informing me that there's been a recent change to my credit report! To my knowledge i haven't applied for any new accounts. So i log onto each website concerned, to find these companies [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] have placed Hard inquiries without my permission, I do not know who these people are nor why they have appeared on my credit profile! This is very damaging and needs to be removed!

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
CRAs failed to update my report with new XXXX XXXXXXXX XXXX XXXX XXXX notified them on XX/XX/year> per my conversation with XXXX on XX/XX/year>. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/year> @ XXXX XXXX MST I spoke to XXXX XXXXEquifax & she said the new CO credit card is not showing up yet. 
On XX/XX/year>XXXX XXXX XXXX XXXX  I spoke to XXXX XXXX XXXX XXXX discovered today when checking my score that XXXX XXXX XXXX XXXX XXXX is not showing up on cr report. XXXX told me on XX/XX/year> that XXXX new credit card was on my report. She commited fraud & BROKE THE LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
CRAs failed to update my report with new XXXX XXXX card. XXXX XXXX notified them on XX/XX/24 per my conversation with XXXX on XX/XX/24. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/24 @ XXXXXXXX XXXX  MST I spoke to XXXX XXXX & she said the new XXXX  credit card is not showing up yet. 
On XX/XX/24 @ XXXXXXXX XXXX I spoke to XXXX XXXX XXXX & discovered today when checking my score that XXXX XXXX ( XXXX ) is not showing up on cr report. XXXX told me on XX/XX/24 that XXXX new credit card was on my report. She commited fraud & BROKE THE LAW!

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


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

Company response to consumer: Closed with explanation