vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: MRS BPO, LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MRSBPO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that MRSBPO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for MRSBPO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that MRSBPO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MRSBPO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I obtained a Wells Fargo mortgage and closed on the loan XX/XX/XXXX. Part of the agreement was that I borrow enough money to pay off Wells Fargo installment loan that I had. Wells Fargo had the title company send the check to another division of their bank rather than pay it off directly. After 16 days and multiple calls this was still outstanding so I had the title company stop payment of the check and wire the money on XX/XX/XXXX. Apparently Wells Fargo must have located the check after the 16 days and applied it but then withdrew it due to the stop payment. They apparently have lost the wired amount and it has been 13 days since the title company wired it. Information was verified that the wire went to the right place. I started a request to track this wire on XX/XX/XXXX. At this time I am being charged interest for this installment loan both on the actual installment loan and also on my mortgage and Wells Fargo owns both these accounts so they are receiving double interest. I have made numerous calls to them and I am not getting anywhere.

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 2024-09-09 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: MD

Complaint narrative:
These 2 negative accounts reporting on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable!! ( PLEASE SEE ATTACHED )

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 2024-09-09 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: I.C. System, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear I C SYSTEM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

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 2024-09-09 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: GA

Complaint narrative:
I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. Transunion XXXX and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend.

I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX 2024

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 2024-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
A payment was returned after being made via automatic draft, since I forgot to update my account information. A block was placed on my card, preventing the use - even though a payment was made and it cleared my account. This has also happened once before and I never received any notification of why my card wouldn't work. Only after the embarrassment of having a decline occur when I knew credit was available did I call and received verbal confirmation of this policy.

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 2024-09-09 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ALLY FINCL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: VA

Complaint narrative:
The inquiry made by XXXXXXXX XXXX for a business credit card is asking to be removed due to it not being authorized. we are asking for immediate removal of the inquiry.

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 2024-09-09 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: MA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I have no connection to the mentioned creditors, and the inquiries on my report are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. XXXX Equifax and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend. 
I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. XXXX XXXX and Experian have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend. 
I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/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 explanation