vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX XXXX Experian, and XXXX block certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within 4 business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer FICO credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Sent in a Notice of Rescission and was told that it wasnt acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I AM NOT LOOKING FOR A COURTESY OVERDRAFT FEE REMOVAL! Its NOT a courtesy!! Wells fargo has an ERROR that needs to be fixed! XX/XX/XXXX my account went into the negative, XX/XX/XXXX a money transfer was made into my account to cover that. ( It shows you have until XX/XX/XXXX to put that money back in and bring your account current ). So I made it. MY ENDING BALANCE SHOWS ME POSITIVE!! Wells fargo charged a SURPRISE OVERDRAFT FEE 3 TIMES!! I was still charged a overdraft because they said Money transfers dont count althought for me it showed my negative balance was clear. Also in their terms in black and white it shows Deposit or transfer enough money to your account to establish and maintain a positive available balance if needed. They are also now charging an overdraft fee on an XX/XX/XXXX transaction that was covered with a money transfer XX/XX/XXXX. Then since I was in the negative a transaction came out XX/XX/XXXX and I paid that the SAME DAY! I still got a over draft fee for that although I paid it. They did NOT do a true investigation on this case. For you all to be seeing something in the background that I, the consumer can NOT see that is not legal to charge me for something I can not control or see but you can! Thats a Surprise overdraft fee and it has been a recurring issue for consumers who can neither reasonably anticipate nor take steps to avoid them. IF I SEE MY ACCOUNT IS POSITIVE HOW CAN YOU CHARGE ME???? If I was in the negative XX/XX/XXXX HOWWWW was I able to do a MULTIPLE XXXX XXXX transactions? XX/XX/XXXX is AFTER XX/XX/XXXX which they are saying I got a overdraft fee for! You cant make those transactions with a negative balance!! Also I did a {$99.00} XXXX XXXX transaction XX/XX/XXXX AFTER paying off the overdraft of {$49.00} from XXXX. How was I able to do ANY OF THOSE TRANSACTIONS THAT REQUIRES MONEY IN YOUR ACCOUNT IF IT WASN'T POSITIVE! These screenshots are SETTLED transactions by the way, AFTER everything has finished pending. It shows XX/XX/XXXX I got a charge of {$20.00} I then made a PAYMENT THAT SETTLED THE SAME DAY TO COVER THAT!!! As shown in the screenshot! 

You all are required to stop charging SURPRISE overdraft fees & STILL ARE!

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 2024-09-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 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 2024-09-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: SC

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Hello, I would like to make a dispute of The XXXX $ That XXXX  its charging me thru you guys. I only had the service for XXXX weeks because the give me a Free trial. Because i didnt like it I returned the equiment after all. they told me that everything was fine i didnt needed to pay anything else. After acople of months they took XXXX $ dollar out of my XXXX because I had auto pay. I went to a verison store and they told me it was a mistake because in the account was showing that I Did not return the equiment but i was fixed. Then they took the money again. I went to the store XXXX more time and they " Fixed " again. 

Now im in collection for something that I dont even have or owe. 

Can somebody help me with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX BANK XXXX Balance : {$2700.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} PERSONIFY XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX VERSE XXXX Balance : {$780.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX N.A. XXXX Balance : {$530.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-25 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: NY

Complaint narrative:
These late payments don't reflect my regular payment habits.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a 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
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me XXXX  days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt XXXX are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments. 
The law that refers to the XXXX rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least XXXX  days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear CFPB, I am writing to request your assistance regarding a troubling situation I am experiencing with Ally Financial. I have found that they are repeatedly attempting to withdraw funds from my bank account without my consent. This ongoing issue has escalated to what I believe constitutes identity theft, and it must be addressed immediately. 

Despite my attempts to resolve this matter directly with Ally Financial, I was informed by one of their customer service representatives that they have no intention of ceasing these unauthorized withdrawals. Instead, I was advised that I need to ask my bank to stop the payments, which I find unacceptable. 

This situation has caused me considerable XXXX  and has negatively impacted my ability to provide for my family. As a single father, these unauthorized transactions are taking food out of my childrens mouths, and I can not allow this to continue. Also Ally Financial never returned my money. 

I respectfully request your intervention in this matter to help put an end to these unauthorized transactions and to protect my rights as a consumer. I appreciate your attention to this urgent issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation