vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was in the hospital and just got out. I looked at my acct and noticed XXXX unauthorized transactions {$330.00} on XX/XX/XXXX and {$81.00} on XX/XX/XXXX. I immediately contacted Wells Fargo fraud department and reported. They opened a claim and I asked the representative if I will be receiving provisional credit while they take care of and she said yes we will take care of that. Later i went to pay bills and the money for the fraudulent charges were not credited. 2 more phone calls and hours on the phone they will not credit until after they investigate which is up to 10 business days. They gave me the run around wanting my son who is currently deployed fighting for for our country overseas on a ship and is not available to talk on phone, which I do have POA for and no reason to speak to him it is an UNAUTHORIZED CHARGE on a card that we are not even aware of we have 2 cards neither which match that number and when you look at all out transactions can clearly see that is not one of the cards on our transactions. I am XXXX on limited income trying to pay my bills and can't because if this fraudulent activity and money XXXX aloud to be taken from my acct. I escalated to their executive office and they would not help either i can not wait to pay my bills for 10 days for something that should never 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 explanation
Consumer complaint received 2024-11-27 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 blocking and deletion of fraudulent accounts appearing on my credit report. I have been a victim of identity theft and unauthorized access to my personal information as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have information resulting from identity theft blocked and removed from my credit file.

Below is a list of the accounts I have identified as fraudulent : XXXX. XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$70.00} XXXX. XXXX XXXX XXXX  - XXXX : Opened XX/XX/XXXX, Balance {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Opened XX/XX/XXXX, Balance {$55.00} XXXX. XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$290.00} XXXX. XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$70.00} XXXX. XXXX XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$440.00} XXXX. XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$4600.00} XXXX. XXXXXXXX XXXX XXXX : Opened XX/XX/XXXX, XXXX {$3400.00} XXXX. XXXX  XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including Experian, XXXX, and XXXX ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file. 

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately 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 2024-11-27 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: MS

Complaint narrative:
Under 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. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$12000.00} XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Transunion credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, 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 the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 2024-11-27 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-27 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I just received a notice on my door of someone trying to deliver " court documents ''. I searched the county court records and found that a debt collection company ( MIDLAND CREDIT ) that purchases debts is suing me. I never signed anything with this company. I looked them up and everything says this is a scam. They have a form on their website where you can " look up your debt ''. When you attempt to, it says in small letters " by clicking continue, you are agreeing to the terms and conditions ''. So I clicked on the terms and conditions and it says by clicking continue, you are agreeing that you have a debt/ account with them. They're trying to trick people into a legally binding agreement with them even if you don't have an account with them! I've also read that one of their tactics is not attempting to have you served until right at your court date. I haven't been able to obtain any court documents, summons or anything and they came to my house today, the day before XXXX when I wasn't home. I've read that they hope to have you not show up so they can get a default judgement and garnish your wages. This is not legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-27 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 am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Subject : Complaint Regarding Unauthorized Sale of Personal Information by Navy Federal Credit Union I am writing to formally lodge a complaint regarding Navy Federal Credit Unions ( Navy Federal ) handling of my personal information. Specifically, I believe Navy Federal has violated federal and state privacy laws, as well as their stated privacy policy, by improperly selling or transferring my personal information to a non-affiliated third-party debt buyer.I have spoken with the supervisor XXXX at Navy who states that they can sell my debt with my personal information attached.

According to Navy Federal 's privacy policy, they explicitly state that they do not sell personal information to non-affiliated third parties. However, a recent incident has made it evident that this policy has been violated in my case. I was contacted by a debt collection company that is neither affiliated with Navy Federal nor licensed to collect debts in Michigan, my state of residence.

This company, which obtained my information from Navy Federal, placed an account on my credit report without my authorization and falsely claimed to be initiating legal action against me. Additionally, this company has engaged in deceptive practices, including providing misleading statements about their legal authority. These actions have caused me significant distress and have compromised the security of my personal and financial information.

I believe this conduct is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions safeguard the privacy of consumer information and requires explicit consent for the sharing of such information with non-affiliated third parties. Furthermore, this conduct may also violate Michigan state laws related to data privacy and consumer protection.

I am requesting the following actions : 1. A full investigation into Navy Federals data-sharing practices to determine whether they have violated their privacy policy and applicable laws.

2. Appropriate penalties or corrective actions against Navy Federal and the debt buyer involved in this matter.

3. Assurance that my personal information will not be improperly shared in the future.

I have also filed a complaint with my Attorney General regarding this matter.

I have attached all relevant documentation, including the debt collection notice, my correspondence with the debt buyer, and a copy of Navy Federals privacy policy. Please do not hesitate to contact me if you require additional information or documentation. 

I trust that your office will take this matter seriously and act accordingly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

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 2024-11-27 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: VA

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Their were two accounts illegally made in my name... Wells Fargo stated on the phone call in XX/XX/year> that different people made accounts in my name. I don't know when they were opened, however they were closed in XX/XX/year>.

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 2024-11-27 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: CA

Complaint narrative:
There are fraudulent items on my credit report that I have never authorized or benefited from, and their presence is deeply distressing. These inaccuracies are not only damaging my credit but also tarnishing my character, which is both insulting and a violation of my rights as a consumer. Despite reporting this fraud to the Federal Trade Commission, the items remain on my report, which is incredibly disappointing. The very systems meant to protect consumers like me have failed to resolve the issue.

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