vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-03-19 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, Section 604 A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please also review USC. This is a violation of 15 USC 1681a ( 2 ) exclusion.

" ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Balance Increased JPMCB CARD SERVICES account balance increased Between XX/XX/XXXX and XX/XX/XXXX, your JPMCB CARD SERVICES credit card balance increased by {$380.00} from {$170.00} to {$550.00}. 

This information is available on XXXX XXXX. This is NOT my credit card. Someone fraudulently opened it in my name and it is not affecting my credit score. I froze all three of the credit bureaus under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Consumer has a right to privacy. XXXX XXXX XXXX, recently began contacting the consumer after " purchasing an alleged debt '' that consumer allegedly owed to TD BANK, NA. The debt collection agency was informed to cease and desist contacting Consumer. XXXX XXXX XXXX  received notice to cease and desist on XX/XX/2024 via certified USPS MAIL. Once previous contract with TD BANK, NA was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX XXXX XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission which is a violation of the FCRA and FDCPA. XXXX XXXX XXXX  since accessing consumer 's personal information, should have been notified that TD BANK NA submitted cancellation of debt to the IRS, therefore any alleged debt has been discharged and forgiven. Consumer has suspicion of these two companies committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with TD BANK, NA AND XXXX XXXX XXXX. CONSUMER HAS NO CONTRACT OR BUSINESS WITH TD BANK, NA. NOR XXXX XXXX XXXX  NOR ANY OF THEIR AFFILIATES. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. TD BANK, NA IS IN VIOLATION OF THE FCRA 15 USC 1681 FOR ADVERTISING AND SELLING CONSUEMR 'S PERSONAL NON PUBLIC INFORMATION. XXXX XXXX XXXX  IS IN VIOLATION OF THE FDCPA 15 USC 1692 A Consumer 's Right to Privacy. CONSUMER HAS COPY OF XXXX REPORT SHOWING THE DEBT COLLECTOR ACCESSING THEIR CREDIT REPORT WITHOUT CONSUMERS WRITTEN CONSENT. CONSUMER HAS PREVIOSULY OPTED OUT OF ANY PROMOTIONAL SHARING OR SELLING OF THEIR INFORMATION AND XXXXXXXX XXXX XXXX  HAS NO PERMISSABLE PURPISE TO ACCESS THIS CONSUMERS INFORMATION AND THEY AHVE BEEN NOTIFIED TO CEASE AND DESIST CONTACTING CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo from XXXX to XXXX, charged me thousands of dollars in overdraft fees. Many of them were double charges for the same check, many of these double charges were charged the day after I put a deposit into my account despite my having made a deposit before the check posted. In XXXX, I was also pressured into opening an account I had absolutely no use for. The customer service representative just told me she was going to open it for me and made me sign something. Then, when money would be sitting in the other account, they would charge me overdraft fees on that account. Now, they were supposed to make this right. When I filed a claim, they sent me a XXXX dollar check and said that would be sufficient repayment and that my NSF fees were on account of my account being low. This was a lie! I'm a veteran and receive VA XXXX. Sometimes, Wells Fargo would take hundreds of dollars in a month out of my check. I have attached just some of the overdraft fee and Non-sufficient funds errors that need to be corrected.

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 2024-03-19 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: TN

Complaint narrative:
MY NAME IS XXXX XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER 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 2024-03-19 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: DISCOVER BANK
State: OH

Complaint narrative:
I did not grant authorization to obtain credit inquiries and I would like these hard inquiries removed from my credit report. This is not fair to hard working people! 
Please help, thank you. Phone call XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-19 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. - XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : 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 2024-03-19 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Urgent Request for Removal of Bankruptcy Account from Credit Report I am writing to address a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered that a bankruptcy account is inaccurately listed on my report. This is deeply troubling as I have never filed for bankruptcy, and its presence is severely impacting my ability to access credit and financial opportunities. 

The inclusion of this erroneous bankruptcy account violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates the accuracy and fairness of credit reporting. As a consumer, I have the right to privacy and accurate credit reporting, both of which are being compromised by the presence of this false bankruptcy account. 

I hereby request the immediate removal of the bankruptcy account from my credit report. Failure to comply with this request will result in a violation of federal law, and I reserve the right to pursue legal action if necessary.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Urgent Request for Removal of Bankruptcy Account from Credit Report I am writing to address a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered that a bankruptcy account is inaccurately listed on my report. This is deeply troubling as I have never filed for bankruptcy, and its presence is severely impacting my ability to access credit and financial opportunities. 

The inclusion of this erroneous bankruptcy account violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates the accuracy and fairness of credit reporting. As a consumer, I have the right to privacy and accurate credit reporting, both of which are being compromised by the presence of this false bankruptcy account. 

I hereby request the immediate removal of the bankruptcy account from my credit report. Failure to comply with this request will result in a violation of federal law, and I reserve the right to pursue legal action if necessary.

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 2024-03-19 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: CA

Complaint narrative:
I have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/23, I received a text message from Citi 's Fraud Department alerting me to suspected fraudulent activity on my account. Upon further investigation, I confirmed that the transactions in question were indeed unauthorized. 

I immediately responded to the message, affirming that the activity was fraudulent. Additionally, I took proactive steps to fax my identification documents to the Fraud Department to aid in their investigation. However, I encountered challenges as I was initially provided with an incorrect fax number. Consequently, I had to resend the same documentation after obtaining the correct fax number. 

Furthermore, I have made numerous calls to Citi Bank 's customer service in an attempt to expedite the resolution process and ensure that appropriate actions are taken to secure my account. 

Given the seriousness of this matter, I urge you to take immediate action to investigate and rectify the situation. I have already provided all necessary information to Citi 's Fraud Department, and I am cooperating fully with their investigation. 

Thank you for your attention to this matter. I trust that CFPP will handle this situation with the urgency and diligence it requires.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
Our mortgage servicer, Movement Mortgage, completed our escrow analysis and is charging a cushion of almost 4 months. There analysis is not annualized it is based on the next payment out of the account, so by the end of the analysis year we have {$3200.00} in our escrow account, charging {$2300.00} more then they should. After reading all of the rules, it does state they can charge a 2 month escrow cushion, however they are supposed to use the whole year in the analysis. What they did, was make it so that when they pay the taxes in XXXX they have a cushion of {$830.00}, not analyze the year, which I believe they can not do, per the rules of the escrow. I called two times, the first person I spoke with was confused and could not explain why they are stating we were {$3000.00} short. She stated she would have someone call back, but they did not call back. Spoke to someone today, and she stated they can charge a cushion of 2 months mortgage payment, which they can not. She would not let me talk to the escrow department and she tried to escalate the call to a supervisor but they would not take my call. Although, we are a month ahead on the mortgage, going from {$1600.00} a month to {$1900.00} a month is a huge increase and with the increase in cost of living and no increase in income, this should be illegal.

Company response to consumer: Closed with explanation