vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
The XXXXXXXX XXXX have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/year> and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The XXXX XXXX  have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/XXXX and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.

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 2024-04-16 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: MD

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.

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 2024-04-16 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:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Monday XX/XX/2024, I walked into the ( city ) Tx Wells Fargo bank to make a payment on a mortgage acct that is in my ex 's name. I made this payment in cash. and received a receipt. After that transaction, I asked that the XXXX checks I had be deposited into MY savings account and provided my ID. 

The teller neglected to check the names and addresses on the account and the checks, and deposited my checks into my ex-husband 's savings account. 

I got a receipt for that transaction, ( not knowing her mistake ). 2 days later on Wednesday the XXXX I went to pay bills and noticed my money was not there. I promptly went into the branch and spoke with the teller. Who admitted her mistake and called for a XXXX. 

The XXXX spoke with claims, and it was escalated. I was told regardless of the teller admitting her mistake they would not return my funds and I had to wait up to XXXX business days. In the mean time my financial information in the form of check images were in my ex husbands acct. I explained that this was not okay. This gave him access to my financial information, salary, employers, etc and given our past this needed to be fixed immediately. 

I went into the bank on XX/XX/2024, after calling the wells fargo number and was told it was a bank issue and that the bank branch needed to fix it. I explained the XXXX had tried and was told she couldn't fix it, and I was now getting conflicting information. I drove down to the bank, with customer service on the phone, and told then I was with the XXXX and they needed to explain to him that he needed to fix it. The story changed again and he told the XXXX I needed to wait the 10 days. 

I did receive my funds on XX/XX/XXXX, and someone called me on XX/XX/2024 to let me know they were looking into the claim, and I let them know I had the funds already but I needed the images removed. She said she had never dealt with this and wasn't sure what to do. I told her she needed to escalate it and figure it out. I have gone to the bank and let them know again that this is unacceptable and my financial information should have never been put into someone else 's account. To date XX/XX/2024 the check images are still in my ex 's account.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Signed up for a Synchrony credit card through a contractor. Was told that if I set up autopay it would take care of the balance before interest hit. I set up autopay and let it go. Interest hit and has been accruing, called to try and settle for the promotional amount and was told the only way they would do it is if I let the account go 3 months delinquent, which is not what I want to do.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please correct these accounts and remove the late payments : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
I recently checked my consumer report and found multiple damages on my report. This is a defamation of my character and violation of the FCRA.

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 2024-04-16 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:
I recently checked my consumer report and found multiple damages on my report. This is a defamation of my character and violation of the FCRA.

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 2024-04-16 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: NV

Complaint narrative:
I have been a victim of identity theft. I just checked my credit reports and there's some un-mailable addresses and addresses that I have never lived at. According to the FCRA, 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also according to 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to my credit report without my written consent is considered Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: 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.

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 2024-04-16 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: 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.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XX/XX/24 - XXXX notification below, I submitted I did not recognize the alert New transaction detected Hi XXXX, A transaction at USAA that required authentication questions ( such as " what was the name of your first pet? '' or " what is the make and model of the car you currently drive? '' ) was attempted or completed. 

XX/XX/24, XX/XX/24 - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XX/XX/24 - First discussion with XXXX over the phone regarding the notifications, was sent preventative measures XXXX - XXXX notification XXXX XXXX, We detected new activity on XXXX of your financial accounts. 

XXXX, XXXX - Call with XXXX and USAA : was informed by XXXX that someone updated information on the USAA account on XXXX, Called USAA with XXXX on XXXX. They requested my name and date of birth, and were able to submit to their back office for further review. As per USAA 's recommendation shortly after the conversation, I am submitting a direct dispute following the review of my early warning report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about 10 years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a TransUnion representative and was told how to go about this. The phone number they gave me for the company is disconnected.

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 2024-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested Experian to remove inaccurate information from my credit report. As result, I didn't receive any results. Therefore, they are in violation of the following, 15 USC 1681e ( b ) Compliance and procedures 18 U.S.C. 1028A 15 USC 1681b Permissible purpose of consumer reports Fair Credit Reporting Act Section 1681b ( c ) 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : 15 USC 1681b - permissible purpose of consumer reports. 

Therefore, I filled another dispute on XX/XX/XXXX. As a result, Experian responded with an old dispute which the company tried to link to the more resent dispute. In response, I filed another dispute on XX/XX/XXXX to received updated results. I'm requesting Experian to delete the following accounts that included in my most recent dispute. If this action is not taking, I will be forced to take legal actions.

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 2024-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
After Freedom Mortgage took over servicing my loan, they have not successfully applied payments to my account. I have to call back and make the payment again and again. I called my bank who told me they haven't denied/returned any payment ; and have no history of Freedom Mortgage ever requesting payment. Every month I pay my mortgage on time, then receive a letter in the mail saying my payment was returned by my financial institution ; which is a false statement and felonious. This is causing unnecessary stress and I'm tired of playing these games, like they are trying to trip me up. I feel uneasy doing business with these people, I feel like they are trying to take my house.

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 2024-04-16 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: TN

Complaint narrative:
delete hard inquiries 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.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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. 

DELETE THE ACCOUNST BELOW

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 2024-04-16 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: Certegy Holdings, LLC
State: MN

Complaint narrative:
Attached is a letter from XXXX stating that Im not responsible for the check that was written to XXXX for {$270.00} thats currently listed and showing on my Certegy Consumer Report. The check for {$270.00} that was written to XXXX thats currently listed and showing on my Certegy Consumer Report is a fraudulent transaction.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE THIS ACCOUNT FROM MY REPORT AS IT IS HUNTING MY ABILITY TO GET 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX Equifax gave XXXX XXXX my credit score of XXXX. In a letter dated XXXX XXXX notified me that they were increasing the interest rate on my credit card and if I chose to dispute it with them they would cancel my card. XXXX suggested I take the matter up with Equifax thus on XXXX XXXX I phoned Equifax and was told my score was XXXX.In a letter dated XX/XX/XXXX I asked Equifax to explain the situation and along with the letter I enclosed the Research Request Form that was attached to the credit report Equifax mailed to me. The form had my name, address, social security number and date of birth. In a letter dated XX/XX/XXXX Equifax informed me they could not find my account and it would be necessary for me to send them copies of an exorbitant amount of documents. In my letter dated XXXX XXXX I enclosed pages # 1,2 & 4 of my Equifax credit report. I did not want to go to XXXX and pay to make copies of everything they requested. In a letter dated XXXX XXXX once again Equifax said they could not find my account and made another request for what I consider to be an exorbitant number of documents. I find this to be unreasonable. Why cant they find my account using a copy of pages from my Equifax Credit Report?

Company response to consumer: Closed with explanation