vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
In accordance with the Fair Credit Recording Act XXXXXXXX XXXX Acct : XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.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. XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The week of XX/XX/XXXX Florida had a major hurricane and everything was closed down. I had tried getting into my online banking account with XXXX and was locked out of it for some reason stating I was entering in the wrong password. After multiple attempts over the course of a few days I called XXXX for help. They said someone had attempted to call in from a number they did not recognize and shut my account down. After resetting it and allowing me access, I quickly realized someone had made multiple ACH payments to credit card companies for large amounts and drained my checking account while on the phone with XXXX. They transferred me to the XXXX Department, and I filed the proper claim to shut down the account and attempt to get my money back. 

The fraudsters submitted repeated attempts over the course of 14 days, which kept me from getting my money back due to the pending charges, despite the fraud lockdown on the account. I was finally refunded my money, and able to open a new checking account with XXXX. They ordered new checks for me and sent me on my way. 

I had been trying to update all my auto payment bills when I logged in last Monday, XX/XX/XXXX when I realized a new fraudulent ACH charge was pending on my account for {$6800.00}, so I quickly ran to my local branch and worked with the Vice President, XXXX XXXX, who had assisted me with the previous fraud claim. She was able to put a fraud hold on the account and the proper department was notified with a new fraud claim. Several more fraudulent charges came through that were " processed '' to XXXX for {$380.00} and {$250.00}. The original {$6800.00} was returned, but today on XX/XX/year> another XXXX wire for the same amount is showing pending. I went into XXXX to get my money back today and was told due to the pending status, they are still unable to give me my money back and close my account. 

I have not had access to my funds in over a week. My car payment was returned due to the account being put on a fraud hold, I am unable to pay my rent or any of my current bills, all of my auto payment bills are being returned while XXXX is holding all of my money hostage. 

Since the money had been returned from the first attempt, I don't understand why I can not have my money back and the account closed. I am the victim here and the bank had the proper documentation to prevent any other charges from going through. I need my money back immediately and appreciate any and all help you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Report XXXX XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : TransUnion : 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-12-02 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Report XXXX XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : TransUnion : 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-12-02 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: NV

Complaint narrative:
I am so frustrated. I submitted a complaint regarding equifax and XXXX not updating my credit report. I have done everything I can do including contacting this agency. I dont understand how or why this is so difficult to accomplish. I am currently looking at my XXXX account that shows my current account balance. Why does it take this long for my credit report to reflect this balance as well. I have been attempting to use my credit and this current situation is screwing me!! It looks as though I owe XXXX more in debt than I actually do. I thought using this agency would help speed the process up as I have tried everything else prior. I have tried contacting XXXX in numerous occasions by phone call and messages. They never called me back when prompted to not wait XXXX hours on hold with a call back. They do not respond to my messages with any helpful information except saying I have already talked to someone regarding this issue and to call with any other concerns. I am being held at everyones mercy. Including this agency which has done nothing that I hadnt done already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past Statue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances discriminations andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past XXXXtatue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances discriminations andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past Statue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances XXXX  andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this formal complaint regarding an alleged collection account reported on my credit report by XXXX XXXX XXXX ( XXXX ) and appearing on my credit reports with XXXX, XXXX, and TransUnion. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. XXXX XXXX XXXX has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX, XXXX, and TransUnion are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both XXXX XXXX XXXX and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that XXXX, XXXX, and TransUnion immediately investigate this matter and remove the XXXX XXXX XXXX account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

AXXXX 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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I requested 2 wire transfer in two separate dated : XXXX. XX/XX/year> for the amount of {$70000.00} XXXXXXXX XXXX of dollars. XXXX. XX/XX/year> another wire transfer amount of {$50000.00} XXXXXXXX XXXX of dollars. 
The two wire transfer was submitted to another financial institution domestically to my accounts. The fund never arrived in the destination accounts. few days after each transaction was submitted I went the bank, since the funds did not reach the destination account. The banker called the wire department and was told to file a re tract. For each transaction re tract was submitted 3 times. I never received any positive response and fund was never send to my account ( source account ). In my case Wells Fargo bank. I have in and out of 2 diferent Wells Fargo branches tried to retrieve my asset. but been getting lots of run arround by wire and various departments. In fact this issue was reported to a Wells Fargo regional consultant to track this fund ad return it to me. On Friday XX/XX/year> went to the branch that I meet the banker and Branch manager. Had a conference call ( on the phone XXXX XXXX ) and in the branch office banker and branch manager at : XXXX XXXX XXXX XXXX. XXXX, AZ XXXX for the final resolution. I stated if my fund is not deposited to my bank account by XXXX close of business. I will file a complain. No positive resolution from bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
My house is located in a natural disaster zone due to two hurricanes ( Helene and Milton ). I have had my account with Harley Davidson Financial since initially purchasing a motorcycle in XXXXXXXX XXXX XXXX and never missed a payment. Due to the damage to my house caused by the two hurricanes, I realized that I would be unable to make my monthly payment for my motorcycle and contacted Harley Davidson Financial to request a payment reprieve due to a natural disaster. I contacted them on XX/XX/XXXX originally. I was told that my request would be processed, and apparently it never was. The payment for XXXX was subsequently reported late due to no fault of my own, and while the account is currently in good standing, the damage to my credit is substantial. Harley Davidson Financial refuses to remove the erroneously reported late payment.

Company response to consumer: Closed with explanation