vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPTEDXXXX - 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 2024-12-20 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: GA

Complaint narrative:
The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo credit card is reporting my credit card as a charge off card number XXXX XXXXXXXX Credit report number XXXX. I never receive the 1099C from Wells Fargo so I can deduct the XXXX as income on my credit report. When I call the creditor I was told they didn't have to provide me the 1099C but per IRS rules when a creditor writes off a XXXX the borrower has to receive the 1099C. Wells Fargo is still reporting this account negatable but they already been made whole. Why are they still reporting? Can you please assist me on this matter thank you

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 2024-12-20 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: NC

Complaint narrative:
XXXX Experian no action taken to resolve the matter

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 2024-12-20 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: OH

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX visited First Citizens Bank ( XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX ), intending to open a highly advertised 'high yield savings account ', and spoke with XXXX XXXX XXXX 
He informed us it was only available online ( which was not disclosed ), and offered XXXX XXXX accounts ( @ 4 %, guaranteed 120 days, no penalty ), but we'd have to make an appointment with a more senior specialist for the next day. 
XX/XX/XXXX XXXX XXXX phones @ about XXXX XXXX to confirm appointment and asks me for my Social Security #, Driver License, address, phone, etc. ; I asked why do this over the phone, he responded : 'the senior specialist is staying late as it is to meet with you ( at XXXXXXXX XXXX ), so we are trying to have most of the information ready in order to save time. 
I did provide all the information he asked for, but felt very uneasy. When the call was over, I called him back right away, to confirm that it was him who had just called. 
At XXXXXXXX XXXX we met with XXXX XXXX, who informed us that the terms offered were no longer available. Maybe switch to another product? ... bait and switch ( twice ). 
XX/XX/XXXX when I called to speak to a manager or supervisor and I explained ( i felt my privacy violated, and that I would file a complaint, she answered 'go ahead '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 am XXXX XXXX XXXX and I am a natural living person, I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never requested a fraud alert or security freeze be placed on my credit report. on my credit report. I have sent several requests that they remove the fraud alert and or freeze that they placed on my credit report and as of XX/XX/year>, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never requested a fraud alert or security freeze be placed on my credit report. on my credit report. I have sent several requests that they remove the fraud alert and or freeze that they placed on my credit report and as of XX/XX/year>, they have not done so.

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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment to XXXX credit services of {$100.00}, my full balance. However, the payment wasn't posted to my account until XX/XX/XXXX, and in addition, a {$27.00} late fee was assessed to my {$0.00} balance. My most recent billing statement shows a total balance due of {$29.00}, which is {$27.00} late fee + {$2.00} interest added to the late fee. I have called to try to get this resolved. I did get a verbal confirmation that the late fee would be removed, however, the interest of {$2.00} still remains on my account! This is interest applied exclusively to the late fee that was inappropriately charged to my account. In order to maintain my good standing, I have made payment of {$2.00}, but insist the interest charge is not valid and should be refunded.

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 2024-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by XXXX XXXX XXXX XXXX XXXX. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. XXXX XXXX XXXX XXXX XXXX has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated. 

In accordance with the following laws, XXXX XXXX XXXX XXXX XXXX has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report. 

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and XXXX XXXX XXXX XXXX XXXX that demonstrates your authority to collect on this debt. 
Licensing and Bonding Documentation Proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
The last payment made and received by HFC was XX/XX/year>. Why did HFC/HSBC charge off a loan that was not in default? Why did HSBC wait 7 months before selling this loan instead of taking any action to recover or collect payment. This loan was sent to XXXX XXXX XXXX XXXX in XXXX of XXXX  with no action taken. In XXXX XX/XX/year> I received a phone call because the payment was late. I spoke with the person who called me briefly to tell them my situation before being transferred to any lady and her department. She recommended I apply for a Hardship given my current financial situation that I shared with her in our conversation. She said she would mail me the application forms and to send them back to her. She instructed me to put Attn : ( her name ) on the outside of the envelope so it would go to her office. I received a phone call from her about a week later informing me that I had been approved and given a hardship and she would mail the letter to me. She instructed me to have it notarized and keep in a safe place with other important documents. My home is being foreclosed on and I have done nothing wrong. The loan was not in default, nor was it ever in default yet it was charged off and I never heard from HFC again after my last phone conversation with the lady who mailed my hardship award letter. I simply want a copy of the Hardship Discharge letter. There's no other explanation as to what took place. Why would your company charge off a loan that had just a late payment ( XXXX ) and never in default?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I was a victim of a scam by buying product online, paying for it using Zelle, and never receiving the product. I opened a complaint with my bank, and was told there is nothing they could do. I also filed a complaint with FBI, no response either. 

Details : Platform : Zelle Transaction Date : XX/XX/year> Transaction Amount : {$620.00} Victim Bank Name : XXXX XXXXXXXX XXXX Recipient Name on Account : XXXX XXXX, XXXX I'm a member of a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX & XXXX Owners Group ( XXXX ) '' ( XXXX XXXX XXXX XXXX XXXX XXXX ). Another group member, XXXX XXXX ( XXXX XXXX XXXX XXXX ) posted an item for sale - BIOR step sliders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$500.00} + shipping cost ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted her over XXXX XXXX on XXXX around XXXX  XXXX XXXX, where I provided my home addresses to calculate shipping cost, which came to {$120.00}. We've agreed that I will send money using Zelle, and she will ship the product the same day, XXXX. She provided an email address for Zelle, XXXX, which was, according to her, her husband 's, XXXX XXXX, and I transferred {$620.00}. She confirmed that she received the payment, and will update me when she ships the item. I haven't heard from her since then despite contacting multiple times over XXXX XXXX. 
I filed a scam claim with my bank, XXXX XXXX XXXX. Claim # is XXXX

Company response to consumer: Closed with explanation