vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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:
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX, Equifax is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, Equifax the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Equifax whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, Equifax Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax Dispute Center, I am writing to formally dispute and request the correction of inaccurate address information on my credit report, specifically in relation to Metro 2 compliance standards. The reported address in question is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX It has come to my attention that this address entry does not conform to Metro 2 reporting guidelines. I am seeking your prompt attention to investigate and rectify this discrepancy to ensure compliance with the established

Metro 2 Reporting Format. In accordance with Metro 2 guidelines, I am prepared to prov
ide supplementary documentation for address verification. Enclosed herewith is a copy of my cell phone bill, which serves as an alternative verification method meeting the requirements of Metro 2 reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 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 2023-12-22 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: OH

Complaint narrative:
I received a copy of my credit report information on it is incorrect : addresses, phone numbers and spellings of my name that I don't use also incorrect employment information.

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 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In late XXXX I made a purchase for {$330.00}. 
In the first week of XXXX I received my first bill. 
I paid {$330.00} on XXXX XXXX XXXX 
I received a second bill on XX/XX/XXXX, saying that I was late and owed late fees. 
I paid {$41.00} on XX/XX/XXXX. 
I received a bill with XXXX payments credited in XXXX and additional late fees. I called several of their phone numbers and talked to several individuals for about 2 hours ( all holds, and multiple transfers, call times combined ) to dispute this. They said I needed to provide proof of payment. Which I provided via mail. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter saying that the proof of payment from my bank was unacceptable. 
I went to the bank and obtained scans of the front and back of both checks and mailed them to Comenity with a request that they acknowledge payments, remove late fees, and close the account. 
I received another bill in XXXX with XXXX payments credited and more late fees. 
I received a letter on XX/XX/XXXX saying that they don't accept my proof of payment, I should contact the company that cashed the checks, and I still owe the full balance and all fees. 
I did contact the bank that cashed the checks, and they said it is illegal for them to confirm payment of my own check, or to tell me anything about any of their account holders. I can provide these checks to you. 
Oh, I also received between 3 and 12 phone calls per day for about 2 months, including before I received the first bill. When I called in XXXX I told them I would report the harassing robo phone calls, and the calls did stop after that day. 
I can provide proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have reported fraud from my business bank account as someone hacked my account and had been using my card electronically without my consent or authorization and knowledge. I reported the claim to Wells Fargo and they denied it after '' thorough investigation ''. More than {$4000.00} was stollen from my account in a day through different forms such as flights, XXXX, money transfers, and t-mobile purchases. All of these were large transactions and not once did my bank ( Wells Fargo ) report suspicious activity. I believe this should have been done as all the purchases were large, some up to {$1000.00}. I submitted a claim with my bank immediately of XXXX pending transactions on XX/XX/XXXX when I was alerted by XXXX XXXX XXXX  of suspicious activity, the transactions were posted on XX/XX/XXXX, even after I had already reported them. A few days later XX/XX/XXXX was told the claim was denied because it was missing certain criteria for fraud. I asked to reopen the case as I have proof none of these transactions were done by me and seem to have been made out of state and I physically have my card and have not given it to anyone ever. I am disappointed as I believed my money would be returned as Wells Fargo has claimed to protect agains fraudulent activity and its actions have not proven to do so. I am a XXXX XXXX XXXX  and had loved my experience with Wells Fargo.

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 2023-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Sir or Madam of CFPB, this is the fourth /x4 ) time I claim for this other issue and the first time you close it ; Please, you are a USA Authority and I ask you no more discrimination with myself I had enougth with Citi people. THIS CLAIM IS NOT ABOUT THE CRIMES CITI XXXX DID TO MY MOTHER AND TO ME. Please Sir. or Madam, of CFPB pay attention before closing a claim ; Thank you. I loosed 4 years of interest on my savings because the many account office I had all this year none attend me the phone or emails and I loosed the inerest of all this years and this was another damage to my finance ; DO NOT CLOSE AS DUPLICATE, THIS IS ANOTHER ISSUE

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 2023-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: MO

Complaint narrative:
I put in a complaint and the response of there is a sign is unacceptable. XXXX offered to pay me the {$24.00} out of her own pocket be as she knows they lied Also, I want a response on why I havent gotten a call back from XXXX. Ive asked several times and their response is we cant make her call. I want a call from the company and this resolved with a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: AL

Complaint narrative:
I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and do not know what is correct. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harrison Harris Limited has called me daily starting XX/XX/2023. I do not owe any debt and Im tired of receiving phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: PA

Complaint narrative:
I have inquiries on my transunion report. 


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 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 2023-12-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email Address : XXXX XX/XX/XXXX Subject : Request for Removal and Correction of Inaccurate Information Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to bring to your attention certain inaccuracies in the information currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I request that you promptly investigate and correct the following inaccuracies : 1. Removal of Non-Mailable Address : The non-mailable addresses being reported is : 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 
I confirm that this address is not valid, and I request its immediate removal from my credit report. 
XXXX. Correction of Full Name : My correct full name is : XXXX XXXX XXXX I have noticed that my full name is inaccurately reported, and I request that you correct it to reflect my accurate and legal name. 
XXXX. Correction of Birthday : My correct date of birth is : XX/XX/XXXX XXXX. Removal of Phone Numbers : The inaccurate phone numbers are XXXX and XXXX. 

The reported birthday is inaccurate, and I request that you correct it to reflect my accurate date of birth. 
I would like to bring to your attention the specific provisions of the FCRA, 15 U.S. Code 1681s2, which prohibit the reporting of information that is known or believed to be inaccurate. Furthermore, according to the same statute, once notified of inaccuracies, reporting agencies must cease reporting such information until its accuracy can be verified. 
Please investigate these matters promptly and provide a written response within the statutory timeframe. If, after your investigation, the information is found to be inaccurate, I request that you promptly update my credit report accordingly. 
Enclosed with this letter are copies of documents supporting my claims, including proof of my correct address and identification. Please let me know if you require any additional information. 
Thank you for your prompt attention to this matter. I trust that you will handle this request in accordance with the applicable legal requirements. 
Sincerely, 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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reside on a college campus, but Experian has flagged my address as " high risk '' due to its non-residential classification. This designation has caused significant difficulties in my credit applications, often requiring extensive explanations to creditors. In some instances, I was unfairly denied credit due to Experian 's dissemination of what I believe to be inaccurate and harmful information. 

This flag is not only incorrect but also misleading. The campus is home to hundreds of students, faculty, and staff. When I contacted Experian, they confirmed the campus nature of my address but did not provide any evidence to support the claim that it's riskier than other residential locations. On their website, Experian states, " If Experian 's records indicate that the address is a certain type of high-risk, business address ( like a prison ), they will flag the address as potentially associated with fraud and advise potential creditors to contact the individual for more information '' I hope they don't equal college campus to prisons. 

Furthermore, I am aware of multiple class action lawsuits against Experian concerning this questionable practice.

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 2023-12-22 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: OK

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-12-22 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: OK

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
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  all this inquiries reported to my credit report by some one who has my info and try to open credit cards.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX all this inquiries reported to my credit report by some one who has my info and try to open credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
We filed a complaint with CFPB against XXXX and on XX/XX/2023 received their reply. This response letter doesnt fully answer the concerns of our complaint truthfully, although it does admit to mistakes and errors on XXXX XXXX answers to us previously. Please see attachment of XXXX Response letter. 

XXXX. Once again. We are attaching the letter from Rushmore Servicing that states on their very own letterhead that the investor is XXXXXXXX XXXX XXXX XXXX for XXXX Asset Backed XXXX XXXX clearly contradicting their response that XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX is the investor. However, now on XXXX XXXX XXXX response to XXXX is that they could not find this letter even though it was included in the attachment of the complaint and they should have easily been able to find the letter and answer honestly to the multiple investors names given to us. We continue for a truthful explanation when they look at the attachment of the letter we have helped them find. 

XXXX. XXXX continues to overcharge our account legal fees of which demand a line item of all legal fees, maintenance fees and other fees which they never ever give a breakdown of each line item as requested and continue to just provide a meaningless spreadsheet that provides no information on it that we requested. 

XXXX. Lastly, XXXX XXXX continues to state that a Foreclosure Sale has been put on hold. There is not even a Foreclosure complaint with the NJ Courts that has begun and we will strongly defend against, for them to even claim that a Foreclosure Sale is imminent and the intimidation and harassment they are employing is causing great stress and mental anguish.

Company response to consumer: Closed with explanation