vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I have a checking account with Wells Fargo XXXX bank. I had fraudulent unauthorized charges on XX/XX/XXXX. I immediately called and filed a dispute on XX/XX/XXXX and received a case number. There were three charges for {$340.00} for a flight, {$24.00} for a XXXX XXXX, and {$10.00} for food. I received confirmation that they credited my account and claim was closed on XX/XX/XXXX. Claim number # XXXX. Fast forward to XX/XX/XXXX, I receive an email that I submitted a claim for the same dispute ( which, I did not ) and never received any mail or email after that. Then on XX/XX/XXXX, I have a provisional credit reversal # XXXX for only the fraudulent flight charge of {$340.00} thus making my account go into negative and overdraft fees. I called on XX/XX/XXXX and the WF representative said they can only remove the overdraft charge. I asked her why this was done and how their investigation was conducted because that transaction was not me. I don't fly, I'm claustrophobic, and why three months later after this claim was already closed and she didn't provide an explanation. I asked her to send me letter of denial explanation which I never received and she did on XX/XX/XXXX. I called XXXX XXXX to see what they can do and the representative indeed said it was fraud but I have to dispute with my bank. I filed an appeal and have not received a response from Wells Fargo. Something is suspicious about the way they handled this claim. They investigated and closed claim but then 3 months later decide to take back the highest fraudulent charge.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
What happened is that I discovered my credit report contains inaccuracies regarding my personal information, which is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, incorrect addresses and other outdated or irrelevant details are listed on my report, despite these entries being neither deliverable by the U.S. Postal Service nor accurate. 

Under the FCRA, I have the right to ensure that only accurate and relevant information is reported ( 15 U.S.C. 1681c ), and any inaccurate or unverifiable information must be removed promptly ( 15 U.S.C. 1681i ). 

To correct this, I formally requested that my personal information be updated as follows : Update my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
Correct my name to XXXX XXXX. 
Remove all outdated or inaccurate addresses, as they are neither valid nor reportable under the FCRA. 
Additionally, I clarified that my only Social Security number is XXXX, my date of birth is XX/XX/XXXX, and my employer should reflect only my current job. I also requested the removal of any telephone numbers from my report, as I do not wish for them to be listed. 

By law, the credit reporting agency must investigate and correct these inaccuracies within 30 days of receiving my dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX, am disputing multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws related to the reporting, validation, and handling of my credit information. The following issues form the basis of my dispute : Willful Noncompliance : Credit reporting agencies accepted and reported inaccurate information about me without verifying its accuracy, violating FCRA Section 616. Each instance of this violation could result in civil liability of up to {$1000.00} per occurrence.

Failure to Disclose Opt-Out Rights : My rights under FCRA Section 603 ( d ) ( 2 ) ( A ) were disregarded when I was not informed of my option to opt out of sharing personal information. This omission constitutes a deceptive practice.

Deceptive Reporting : Inquiries and accounts were furnished on my credit report without validation, violating FCRA Section 623 ( a ) ( 3 ) and potentially contravening Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Violations : Under the Debt Collection Practices Act, debt collectors engaged in unfair practices, such as reporting inaccurate debts and sharing my information with third parties without consent.

Unlawful Disclosure to Third Parties : My information was improperly disclosed to credit reporting agencies, violating location information disclosure regulations.

Inaccurate Reporting of Late Payments : Payments were reported as late without clear definitions or justifications, constituting deceptive practices under timely payment regulations.

Incorrect Finance Charges : The reporting agency failed to determine finance charges accurately, violating their obligations.

Unauthorized Hard Inquiries : Hard inquiries appeared on my report without my written consent, in violation of 15 USC 1681b ( a ) ( 2 ), which governs the permissible purposes for accessing consumer credit reports.

I have detailed specific accounts, addresses, and inquiries that require correction or removal. Additionally, I have requested validation of debts per 15 USC 1692g, including original contracts or agreements bearing my signature. Failure to provide validation means the information must be removed from my credit report. 

My demands include : Deletion of incorrect personal information. 
Correction of late payments to reflect paid as agreed, never late. 
Validation or removal of unverified debts and collections. 
Removal of unauthorized hard inquiries. 
I expect these issues to be addressed promptly. If my demands are not met, I am prepared to pursue legal remedies to enforce my rights under the FCRA and related laws.

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 2024-12-19 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: DC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I bought a clock from XXXX with my Discover credit card XX/XX/year> for {$32.00}. When the clock arrived on XX/XX/year>, it was discovered to be defective. I tried to return the item to XXXX and they refused to authorize a return even though the receipt states I have 90 days to do a free return regardless of the condition of the item. 

After getting nowhere with XXXX customer service, I sent the item back to the original sender by way of " refusing '' the package and the item being returned to the original sender via XXXX XXXX XXXX. It was delivered to the original sender on XX/XX/year>. 

As XXXX was not willing to work with me regarding their own return policy, I initiated a dispute with Discover for the full amount. Initially Discover found in my favor. But then I got a packet in the mail from Discover saying they received further evidence from the merchant and they reversed their decision and found in the merchant 's favor. After many discussions with Discover, I was informed eventually that the reason they found in their favor was because " XXXX sent them a return policy and they then closed out the dispute ''. I was given many different explanations for the reason they would not find in my favor, and I kept obtaining more and more evidence to support their requests for detail of my case, and Discover just refused to reopen the case and do any due diligence in looking in to the matter any further. 

The bottom line is this : XXXX. I bought an item online from XXXX. 
XXXX. Item arrived defective. 
XXXX. I informed XXXX of said defective condition of product and tried to initiate a return. 
XXXX. XXXX refused to honor their own return policy and initiate a return. 
XXXX. I sent the item back to XXXX. 
XXXX. I disputed the charge with Discover. 
XXXX. Discover is not willing to look at the facts fairly and come to a morally just decision. 
XXXX. I am filing this complaint as a last resort with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

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 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 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
Newrez offered me a loan with a very high interest rate but said that I had the option I to buy it down with points ( 8.125 % rate with {$1200.00} in points ). I agreed to to that. Then right before closing, they came back and said I could not use all of my seller concession ( $ XXXX ) towards closing costs. I was surprised because they had known the amount of the seller concession for over a month at this point. When I asked why I was learning about their 3 % rule at this point, they said, " that was an oversight. '' I reluctantly agreed to cover the extra {$4000.00} in closing costs, but I told them I did not want to buy the points so that I could have enough cash to close. Then they said they would not approve a higher interest rate because it would make my monthly payment too high. I reluctantly agreed to buy the points and pay the extra closing costs. Then, after they had delayed so long that we missed our contracted closing date, Newrez said that we could not close because my insurance cost was too high and that it put my monthly payment over a threshold. I pointed out that I had given them the insurance quote weeks and weeks before that and they had never flagged it as problematic. They said I could not close unless I chose one of their other products, interest-only loans with even higher interest rates ( 8.6 %, after paying points ). When I pointed out that those offers would actually increase my monthly payments they had no reply. At every step of this process, Newrez has tried to delay so that they would have increasing amounts of leverage to renegotiate the terms of the loan, asking for more points and interest up front. It's predatory and it's wrong. I have all the emails to prove my claims. I tried reaching out to Newrez supervisor but they did not help, but mostly defended and excused their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a formal dispute letter addressing inaccuracies and issues with multiple accounts listed on my credit report. These issues involve late payments that I assert should be updated as " paid as agreed, never late, '' unauthorized hard inquiries, and debts that require validation under federal law.

Citing specific provisions of U.S. Code laws, I requested the following : Under 15 U.S. Code 1681a ( 2 ) ( i ) : Corrections to late payments for several accounts to reflect " paid as agreed, never late. '' Under 15 U.S. Code 1692g : Validation of debts by debt collectors, requiring proof such as original applications or contracts bearing my signature. I stated that failure to validate the debts would require their immediate removal from my credit report.

Under 15 U.S. Code 1681b ( a ) ( 2 ) : Deletion of an unauthorized hard inquiry for which there was no permissible purpose.

I demanded a thorough investigation within 30 days, in compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). I made it clear that failure to resolve these issues would lead to legal action, including claims for defamation, negligent enablement of identity fraud, and FCRA violations, seeking {$1000.00} per violation. I also explicitly prohibited automated verification methods like e-OSCAR, requesting detailed verification methods instead.

In summary, my goal is to ensure the accuracy of my credit report, validate any debts in question, and hold all parties accountable for compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-19 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: AZ

Complaint narrative:
I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding 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 explanation
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding this matter.

Company response to consumer: Closed with explanation