vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused 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 2024-07-25 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2024-07-25 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: FL

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-07-25 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: MI

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-07-25 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: MI

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-07-25 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: AL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
I am writing to express my deep concern regarding the Equifax data breach and its subsequent negative impact on my credit score at all three credit bureaus. I believe this incident constitutes a serious violation of consumer protection laws and regulations ( Privacy Act of 1974, Fair Credit Reporting Act, and Gramm-Leach-Bliley Act ) I received notification that my personal information was compromised in the Equifax data breach I have experienced significant difficulties in maintaining a healthy credit score. I have recently discovered that my credit score has been adversely affected across all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

As a result of this breach and the subsequent damage to my credit, I have encountered ( financial hardships, such as difficulty obtaining loans, higher interest rates, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Dear Equifax, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : XXXX. XXXX XXXX XXXX XX/XX/year>. XXXX : XXXX XXXX XXXX XX/XX/year> XXXX : XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being. I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities. I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation. I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MI

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Hi, I signed up with XXXX XXXX XXXX, this debt was negotiated and settled, So I thought through XXXX XXXX XXXX Apparently there was a payment missed in a 5 day window before I paid the agreed SETTLEMENT. I had a hardship for those 5 days and needed the money until I could take money out of my XXXX. It was a {$80.00} payment. XXXX XXXX retracted the agreement and sold the debt to XXXX and they sold the debt to XXXX XXXX XXXX I took a picture of my XXXX XXXX XXXX  portal showing its paid 100 %, and now XXXX years later I am being sued. This is so wrong its scary.. I have to hire an attorney now? I have no money and feel helpless... Please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: KS

Complaint narrative:
i contacted Optum bank on numerous times to have my account unlocked so that i can gain access to my medical information. 

they have refused. i call them, get a run around. was told that there would be a waiting period to see if access would be allowed. 

XXXX XXXX XXXX owns that portion of the bank. they are liers and holding my medical account hostage and will not let me in. i filed numerous XXXX  complaints, get a run around and told to wait. this is going on for over a year now. and im done with this drama.

what gives them the right to hold my medical information hostage when i no longer have accounts with that bank. PERIOD. i wanted access to my medical infomation, and they simply wont allow me into my account. who the XXXX acts like this? JUST GIVE ME ACCESS TO MY ACCOUNT PEOPLE. stop holding someones account hostage that DOES NOT BELONG TO YOU. thats my information not yours

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap company is charging me solar panels I had installed and I told them I dont want to keep making payments because I got scammed, they arent working and they want me to keep making the payments even the service I had was a scam and the product is not working so I call my bank to stop the transactions, to cancel them and I explained my situation and they cancelled the transactions so they stop charging me and the company GoodLead realized that and they kept charging under someone name and I called my bank and I had to change my account and route number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I filed complaints XXXX relating to closed Serve accounts. In those complaints I requested a final accounting of funds deposited to this account. I was not provided that accounting and the check provided upon closure of the account was {$300.00} less than the amount that should have been in the account. Because the account has been locked, I have no access to this information. 

Please direct Serve to provide a full accounting so that I may pursue this matter further with state banking authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-07-25 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: MS

Complaint narrative:
I recently obtained a copy of my credit report and noticed that i have some hard inquiries that i did not authorize. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2024-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
The company " North Lane '' ( does business and redirects to the website for " XXXX '' ) is an authorized vendor for XXXX. XXXX uses them to distribute warranty refunds -- in my case a brand new air conditioner failed and XXXX was unable to replace it. This is an old case that started in late XXXX, XXXX delayed until early XXXX ( when they advised me that the " card was on its way to me ), and then came XXXX. When we returned to NY in XXXX, North Lane advised that they would send out a new card - but never did. Their current response is that they received the {$570.00} from XXXX but because I didn't use the funds within 90 days, the entire amount was forfeited. They can't provide me with a date that they sent a card or any such terms and I certainly never accepted such terms. They can't even get their story straight as to whether the card was sent by mail or virtually ( in the past, they said it would be by mail, more recently they say it's done virtually, The agent I spoke to today " XXXX '' says that my complaint was escalated to his superiors and again since I did not use the funds within 90 days, I forfeited them completely. He completely ignored my protestations that I never agreed to or was even presented with those conditions. I hope you can help me, I was ripped off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Two issues : First one, filed a dispute. Wells fargo sent me an email at XXXX telling me they tried calling and emailing and were unable to reach me. I questioned this and they did finally respond that they could find record of them calling or messaging me. I asked why they would send a letter that made me panic to respond to them and what they were doing to stop it. They never responded. 

Second Issue : Same dispute above as above. They sent me a letter telling me they would be crediting me the full amount of the dispute. I called to ask when I would received it, they told me the letter was a mistake and they decided now to only refund me {$800.00}. 

I have records of all the above that I will provide as needed.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief