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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 infromation : Any adverse items of infromation, 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 2024-12-02 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: Experian Information Solutions Inc.
State: KS

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 infromation : Any adverse items of infromation, 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 2024-12-02 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: AZ

Complaint narrative:
I am writing to dispute an inaccurate reporting of the " Date Last Active '' on XXXX of my accounts. There is a discrepancy between the information reported by XXXX and Equifax on my credit reports, which violates the Fair Credit Reporting Act ( FCRA ) under Section 609 and Section 611, which guarantee accurate and consistent reporting. 

The specific error is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inconsistency indicates either a data furnishing error by the creditor or a failure by the credit reporting agencies to ensure data integrity. As this error is materially misleading, it directly impacts my creditworthiness.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I'm attaching my Federal Trade Commission Identity Theft Report and an Official XXXX Police Report as proof of my claim. 

Immediately delete the following fraudulent inquiries account from my credit report : 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 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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian dispute department : The items listed below must be removed from my credit report due to violations of the Fair Credit Reporting Act violations of 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) : According to the law, you are required to add a notice within 30 days, and not 1 day over, and I have evidence that this was not done. You have cause me to miss out on housing and credit opportunities as this was not done, causing my credit report to be furnished inaccurately. As a consumer, I am protected by law and these account need to be deleted immediately. If this issue is not resolved, I will pursue monetary damages for the violation of my rights in small claims court under 15 USC 1681n, which outlines civil liability for noncompliance.

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: EQUIFAX, INC.
State: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I asked for everything they needed to prove the amount and ownership of the account and they did not, and they are also lying saying they are the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Purchased home in XX/XX/XXXX. Escrow account set up to pay property taxes. Closing company set up calculation amount correctly. Loan transferred to another division of Cross Country Mortgage. Received a refund of {$5900.00} in XX/XX/XXXX. The was no explanation other than they withheld too much for the account. They further stated my taxes were lowered. They were also lowering my escrow account payment from correct amount of {$570.00} to {$310.00} per month. This resulted in a supplemental tax bill of {$4600.00} and a negative balance to pay current taxes due of {$6900.00}. They were grossly negligent using the wrong purchase price of my home resulting in an extreme financial situation for me. They accepted no fault. This was gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
*Deposited a check for {$40000.00} from the US Treasury for XXXX XXXX on Monday XX/XX/XXXX at NFCU XXXX in XXXX XXXX XXXX 
*Received a receipt, notification from the NFCU app, and talked to a rep over the phone stating that the funds should be available by Wednesday XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX PM I receive email stating that my deposit is being delayed *I contact NFCU on Friday XX/XX/XXXX at XXXX XXXX in regards to my delayed deposit and was told that the funds are being held because the check never cleared. The issuer of the check hasn't sent to funds to back the check. 
*I contact NFCU on Monday XX/XX/XXXX at XXXXXXXX XXXX in regards to my delayed deposit and was told that the funds are being held because the check never cleared. I request and explanation and was told to contact the XXXX at XXXX XXXX XXXX 
*I contact the FRB XXXX Monday XX/XX/XXXX at XXXXXXXX XXXX  in regard to my delayed funds and to file a complaint. I provide my financial institution information and voice my complaint. I am instructed to contact the CFPB. 
XXXX XXXX the XXXX XXXX Monday XX/XX/XXXX at XXXXXXXX XXXX and request information to payment and check processing. XXXX verifies that the check issued on Wednesday XX/XX/XXXX and the check has been reconciled and cleared. XXXX states that the holding of the funds must be something internal to my financial institution because the funds should be available to me and that I should contact NFCU and find out what's the hold up. 
*I contact NFCU on Monday XX/XX/XXXX at XXXXXXXX XXXX in regard to the delayed funds and provide information from my prior SSA XXXX in regards to the check being reconciled and cleared. NFCU states that there are a number of reasons for the check to be held, cites processing errors and fraud as likely reasons. 

XXXX contacted the CFPB on Monday XX/XX/XXXX at XXXXXXXX XXXX to file this formal complaint against NFCU XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: LEXISNEXIS
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I XXXX XXXX XXXX  I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

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 — Information belongs to someone else
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX Disputed Information : Balance : {$3600.00} ( unverified ). 
Account Status : Open ( requires validation ). 
Account Type : Derogatory. 
Remarks : " Account information disputed by consumer, meets FCRA requirements '' investigation required. 
Original Creditor : XXXX XXXX XXXX requires verification of debt transfer and assignment. 
Dispute Codes XXXX : Not mine. 
XXXX : Claims inaccurate information account balance. 
XXXX : Claims inaccurate information account status. 
XXXX : Consumer states inaccurate information. 
XXXX : Disputes other information. 
Compliance Condition Code : XXXX  : Consumer disputes ; investigation in progress. 

Reason for Dispute The reporting of this account contains inaccuracies and unverifiable information, which I dispute as follows : The balance of {$3600.00} requires validation. I request detailed documentation of the debt, including : Itemized breakdown of the balance. 
Proof of debt ownership by XXXX XXXX XXXX XXXX. 
The account status is listed as " Open '' and " Derogatory, '' which is inconsistent with my understanding of the account. 

The remarks indicate that the account " meets FCRA requirements, '' but no supporting evidence has been provided. 

The original creditor is listed as " XXXXXXXX XXXX XXXX '' but no documentation of the transfer of ownership or assignment to XXXXXXXX XXXX XXXXXXXX XXXX has been provided. 

Requested Actions Validate the debt and provide supporting documentation, including : Original contract with XXXXXXXX XXXX XXXX 
Proof of assignment or sale to XXXXXXXX XXXX XXXX XXXX. 
Complete payment history and breakdown of charges. 
If the debt can not be verified, remove this account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the reporting, including account balance, status, and remarks.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding a fraudulent transaction that occurred on my Wells Fargo debit card account. Below are the details of the incident : On XX/XX/year>, an amount of {$1700.00} was withdrawn from my account under the name XXXX XXXX, linked to a purchase authorized on XX/XX/year>, by XXXX. This transaction took place despite the fact that Wells Fargo had canceled my account XXXX weeks prior due to ongoing fraudulent activity. 
Upon noticing this unauthorized withdrawal, I immediately contacted the Wells Fargo Fraud Department. Initially, the bank credited the amount of {$1700.00} back to my account. However, on XX/XX/year>, the bank deducted the amount again, stating that they had not found sufficient evidence to deem the transaction fraudulent. 
When I sought clarification from Wells Fargo, I received no satisfactory response to the following critical questions : 1. How was the withdrawal of {$1700.00} allowed on an account that had already been canceled due to fraud?

2. Why was I not informed or consulted before this transaction was authorized?

3. How was an international transaction authorized without my explicit consent or coordination? 
Despite my repeated attempts to resolve this issuethrough multiple calls to XXXX XXXX customer service and in-person visits to their branchesI have not received any meaningful assistance. Instead, I was advised to contact XXXX XXXX directly to recover my funds, which I did that but XXXX XXXX  customer service told me they dont have any information under the my name or my debit card, which is impractical as this was a fraudulent transaction. 
This incident has caused significant financial and emotional distress. I am seeking assistance from the internet crime Complaint center to : 1. Investigate this fraudulent transaction and determine how such activity was allowed to occur.

2. Address any potential negligence by the bank in handling this case.

3. Pursue the perpetrators of this fraud to ensure justice is served.

Attached to this letter are copies of relevant documents, including bank statements showing the unauthorized withdrawal, communication records with Wells Fargo, and any other evidence I could gather regarding the incident. 

I kindly request that you initiate an investigation into this matter at the earliest possible opportunity. Please let me know if any additional information or documentation is required to proceed.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information.

Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

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