vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: TX

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 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 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 XXXXnd 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 2024-08-01 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-01 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: GA

Complaint narrative:
On XXXX XXXX, 2024, I received a suspicious email from Wells Fargo Bank asking me to verify a series of deposits in order to initiate bank transfers with XXXX XXXX. I immediately became alarmed because I knew that I hadn't made the request, so I contacted Wells Fargo to inquire/report the suspicious activity. In response to my inquiry, the banker flagged my account for a possible security breach. In doing so, the banker informed me that I would not have access to my online or mobile banking and all account alerts would be suspended. The representative informed me that a banker from the fraud department would contact me during normal business hours the following week. Several days passed without a response from the bank. I went to use my debit card on/about XX/XX/XXXX and my card was declined due to insufficient funds. Confused by this, I called WF Bank and discovered that my account was overdrawn and there were almost {$400.00} in overdraft fees. I explained to the banker that I did not have access to my online banking or account alerts due to the fraud alert. I was unaware that there was a deficiency on my account especially since I continued to make deposits to the account while awaiting a resolution. WF sent correspondence stating that a resolution would occur by XX/XX/XXXX. By then, I did not have access to my checking account, transactions were being declined, and I was not getting a response from the bank despite several attempts to reach the agent who was handling my case. On XX/XX/XXXX, I received correspondence from WF Bank that it would be until XX/XX/XXXX before the issue is resolved. I requested to have the fees reversed given my lack of knowledge about the account activity during the fraud alert to no avail. WF Bank has the discretion to approve or deny transactions and they continued approving transactions despite the account being overdrawn as long as it benefitted the bank. They charged a {$35.00} fee on transactions that were less than {$5.00} and it was actually the assessment of their bank fees that caused the significant overdraft.

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 2024-08-01 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: PR

Complaint narrative:
Recently ILooked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate. 
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 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 2024-08-01 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my son 's credit card account, which is under my supervision. Below are the details of the disputed transaction : Date of Charge : XX/XX/year>2024 Amount : {$3000.00} Merchant : " XXXX XXXX XXXX '' Merchant Address : [ Bogus address leading to a house ] On XXXX XXXX, 2024, I noticed this {$3000.00} charge and immediately contacted my son, who confirmed that he did not make any such purchase. He resided in XXXX, Kansas, a small college town where no local business would justify such an amount. I promptly reported the charge to my credit card company, who assured me the transaction would be canceled, and a new credit card would be issued. 

Despite initial assurances and the credit of the amount back to the account, I was recently informed that we are now being held responsible for this charge. The rationale given was that the card was not cloned or stolen since my son made other smaller, legitimate purchases around the same time. However, this charge is out of character with his usual spending patterns and raises significant suspicion. We contacted XXXX Police Dept. XXXX XXXX, case # XXXX, his phone is XXXX they can't verify the merchant either. The address simply does not exist. I also have sent a picture of where my son was when this purchase was made ( he could not be at both places same time, with no response from the credit card. 

I have requested details about this merchant and received an address that does not correspond to any known business but rather to a residential house. This lack of verifiable merchant information further supports our belief that this transaction is fraudulent. The credit card company has not given us any information about what was purchased and where ( the real address ) this was purchased and they are saying this is a legit charge even after I called the day this was made indicating this was fraudulent Given the circumstances, I am formally requesting the following : A thorough investigation into the {$3000.00} transaction. 
Detailed documentation supporting your claim that my son made this purchase. 
Immediate re-crediting of the {$3000.00} to the account. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
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 non-monetary relief
Consumer complaint received 2024-08-01 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: TX

Complaint narrative:
To whom it may concern, I have reviewed my credit report and found that certain accounts are incomplete and inaccurate, constituting a violation of 15 USC 1681e ( b ).

Additionally, there have been breaches of 15 USC 1681s-2 ( a ) & ( b ), as well as 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ).

Under 15 USC 1681n, any failure to address and rectify these issues will result in civil liability for willful noncompliance. 

Accounts : XXXX. ) ( XXXX XXXXXXXX ) This account must be removed immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

Please ensure the removal of the aforementioned accounts from my credit report and provide me with an updated copy post deletion.

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 2024-08-01 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : Bankruptcy U.S. Bankruptcy : XXXX and 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 EXPERIAN.COM 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: LA

Complaint narrative:
XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> again sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature and also notifying that they never placed notice on my accounts with the reporting agencies as disputed within 30 days as per FCRA and FDCPA sections stating that it is a violation not to furnish this notice. No document furnished from the company bearing my signature and no feedback as to what they are going to do about the inaccuracy of the account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2024, I made a purchase for {$2700.00} via PayPal to XXXX for an industrial laser engraver to be shipped from XXXX. The item arrived severely damaged, I refused the delivery. After contacting the seller, he asked me to go ahead and accept the delivery so that he could file a claim with his freight forwarder to get the item replaced. I told him that I was opposed to setting up the machine because I didnt want to be stuck with it. The seller insisted that we need to test the machine to assist him with the claim process. I repeatedly let the seller know that I would not be keeping the item and expected the replacement to ship soon. After a few weeks, it became obvious that the seller had no intention of replacing the item. I filed a claim with PayPal for a refund of {$2300.00}, which was the price of this specific item from this shipment. I requested this amount because the seller himself stated that it would be impossible to ship the item back to XXXX because it would not pass customs and it would be to costly to his company. The seller himself refused to give me the refund or the replace the item, so I went through PayPal for the dispute. PayPal is now telling me that, despite all of the evidence I subimitted regarding the seller stating why I needed to accept the delivery and the discussion of replacement, I am repsponsible for the cost of shipping a XXXX pound laser back to XXXX at my own expense, in order to be refunded. The seller should be paying the the freight truck to come get the machine since I refused the delivery in the first place! I dont believe PayPal even bothered to look at the evidence to understand the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MA

Complaint narrative:
My debit card was lost during a vacation to South Carolina. I do not use my card on a regular basis and did not realize it was missing until I discovered unauthorized purchases made without the PIN number being used. My debit card was used without the PIN to make {$330.00} in unauthorized/ fraudulent purchases. Why was my debit card allowed to be used to take cash out of my Fidelity XXXX XXXX account without using the security feature of the PIN? The bank should not allow a debit card to be used without the PIN. This is the whole point of having a PIN - to protect me if my card is lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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 whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 information that the information has been modified or deleted from the file of the consumer. ''

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