vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I am writing in regards to a collection tradeline/accounts that are reporting on my credit report. They are as follows, including 2 inquiries : 1 ) XXXX, XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 15 US CODE 1681B ( A ) ( C ) ( A ) Both of these are violations of my FCRA rights and XXXX, XXXXXXXX XXXX XXXXXXXX XXXX have stated they will DELETE the tradeline as well. I never authorized any of these inquiries or tradeline on my credit report. 

Kindly DELETE these as soon as possible. 

Thank you

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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Checked my credit report and found national credit adjusters on my credit report called and requested information about the debt and also e mailed them requesting the same information never heard from them. XX/XX/2024 at XXXX XXXX  received a call from a number with a local area code answered and it was nca they wanted me to verify who I was I told the rep if they could tell me the birthday I would be able to verify it because I have a cousin with the same exact name as me but the birthday is different after she argued with me she finally told me the birthday it was mine so I told her this she tells me who she represents finally and I explain that u had tried to get the validation letter from them a few months ago but never received anything I had updated my address in the previous communication but she gave me an old address after this I disputed the debt and she told me she would mail the letter out to me I checked m credit report after I hung uo with her and found that they are reporting this debt to the credit bureaus even though that is illegal for them to do since I had never talked to then until a few months ago this reporting goes against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: NC

Complaint narrative:
I checked with XXXX before my treatment to verify the costs. They assured me the costs would be the same as they were from my previous healthcare provider. I paid the balace due according to the facility I was receiving treatments each time I went there before my treatment. The only way I knew I owed more than the facility was charging is I checked my patient portal for test results and saw a balnce due. My point is they lied to me before I behan treatment there telling me the costs werte the same. Then after charging me hundreds of dollars witrhout my knowledge or my insurance companies knowledge they send me to collections. The people at the treatment facility told me no one has ever been charged like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading. 

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I am writing in regards to a collection tradeline/accounts that are reporting on my credit report. They are as follows, including XXXX inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 15 US CODE 1681B ( A ) ( C ) ( A ) Both of these are violations of my FCRA rights and XXXX, XXXX XXXX XXXXXXXX XXXX have stated they will DELETE the tradeline as well. I never authorized any of these inquiries or tradeline on my credit report. 

Kindly DELETE these as soon as possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
Once I found out it was a scam, I went to the bank Friday morning on XX/XX/year> at XXXXXXXX XXXX. I talked to a branch manager. She was understanding until she spoke to the person who withdrew my money on XX/XX/year>. She came back very aggressive and stern. Saying that he asked multiple questions and I stood strong to my story that I owed my parents money. The branch manager at this time, told me it was my fault because I am an account owner and I should know better and I can do what I want with it. She did not allow me to speak about on what questions were really asked. The person who provided me cash only asked me 1. Why are you pulling out money? 2. Would you like this in check or cash? 3. Is someone forcing you to do this? 5. Where I will be keeping this money? 4. Would you like this to be in the biggest bills, I am assuming? Never once did he press the issue more or ask me the government questions like he said he would due to policy. I am filing this compliant because I believe the person who withdrew me the money did not follow policy questions and the branch lady was rude when she found out he had asked me questions. I was under a lot of pressure, distressed, and being threatened time and time again. Banks should protect us from scams, alert us, and be patient. I was accused and blamed for not knowing about this scam/fraud. I take fault for not stopping and thinking but in those situations you can not stop and think straight. The bank did not provide grace or understanding. They blamed me for the situation and said there hands are tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased an item on XX/XX/XXXX for XXXX with 0 % interest for 12 months from XXXX XXXX XXXX on a Wells Fargo Credit Card provided by the retailer. I immediately set up automatic payments of {$240.00} per month to pay it off at the end of those 12 months. 

In XXXX of XXXX, I purchased an extended warranty for {$430.00} subject to a NEW 12 month 0 % XXXX period. 

I did not change my monthly payment amount as I would finish the initial 12 month period and then pay off the remaining balance that was not subject to interest. 

Unbeknownst to me and not indicated in my Wells Fargo statement or in the credit card agreement, Wells Fargo began allocating my payment between the XXXX amounts. Because of this, at the end of the original 12 month period, I was charged over XXXX dollars in interest. 

Neither of these promotional balances required a minimum payment, so there was no reason for these to be allocated except for Wells Fargo to charge me predatory interest. 

Upon submitting my complaint, no person at Wells Fargo can show me either in my statement or in the credit card agreement, both attached, where it indicates my payments will be allocated in this way. This is material fraud.

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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Second day in a row they responded by calling and I am at work and could not take the call at that exact moment with no notice of a call. 
They left a voice mail providing a phone number that takes me to a loop where I can not talk with a person and I can not get the information I need. I CAN NOT GET my information on their website they refused to allow me to set up an account so I can't LOG IN to speak with anyone in their chatbot on their website. 

I NEED MY EXACT PAYMENT HISTORY They did not provide it they did not speak with me and they refuse to give me my information as there is NO WAY to contact anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 non-monetary relief
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported OnXX/XX/2024 Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 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 2024-04-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported On XXXX XXXX, 2024 Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file

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 2024-04-30 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: Early Warning Services, LLC
State: TX

Complaint narrative:
NAME : XXXX XXXX CONSUMER XXXX D.O.B. :XX/XX/XXXXSSN : XXXX ID TYPE : DRIVER LICENSE ID NUMBER : XXXX ADDRESS : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  TEXAS XXXX EARLY WARNING SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Consumer Report. I have NEVER opened or used any of the following account numbers : BANK NAME : XXXX XXXX XXXX XXXXXXXX ( DATE OPEN XXXX ) ACCT # : XXXX ROUTING # XXXX BANK NAME :XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPEN : ) XXXX ACCT # XXXX ROUTING # XXXX BANK NAME : XXXX XXXXXXXX XXXX XXXX DATE OPEN ) : XXXX ACCT # XXXX ROUTING # XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer Report immediately. I attached a copy of the report to this request. 


Warm Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial 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 2024-04-30 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: VA

Complaint narrative:
I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial 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 explanation
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Every time I use XXXX services, hold on my money. When I use the service it always be some kind of hold on my money and I never see the money again but they tell me a fill out with all I'm doing is study adding money and I never see the money return to my account. XXXX tells me is my bank. My bank says XXXX, but I still don't see the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CT

Complaint narrative:
I recently reviewed again my XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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