vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Equifax Support Team, I hope this email finds you well. My name is [ Your Name ], and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Social Security Number : XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 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

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 2024-02-06 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a notice in the mail today dated XX/XX/year>, indicating my application for an XXXX XXXX XXXX XXXX credit card account requires additional documentation to approve. I did not apply for this card. 

The header on the notice is JPMorgan Chase Bank. I tried calling the number in the notice but they asked for my SSN ( which is one of the items requested as required in the letter and I hung up without providing any PPI. 

I believe this is an attempt at fraud. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am following up my dispute regarding the discrepancies reported on my credit report. Upon reviewing the information provided, it has become evident that there are numerous inaccuracies and unverified entries that are negatively impacting my credit score.

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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Identify theft Account # XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX I got a call from a collection agency ( tsi transworld systems incorporated ), They gave me the info from who sent me to collections which was ( XXXX XXXX XXXX ) in TX XXXX 

They are trying to collect debt from electric usage. I have never lived in TX, nor have any sort of connections to the state. This is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
Ive contacted XXXX, TransUnion XXXX XXXX by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XXXX XXXX XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called XXXX today XX/XX/XXXXXXXX XXXX XXXX EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the 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
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive contacted XXXX, XXXX XXXX Equifax by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XXXX XXXX XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called XXXX today XXXX XXXX XXXX  EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In 2023, I filed my taxes and wrote a check to pay the IRS. I mailed the check out in the amount of {$460.00} on XX/XX/2023. On XX/XX/2023, the IRS contacted me by mail stating that I never paid my taxes. I told them I did and they replied that they will open an investigation to see if any personal stole my money. I looked up the check online and the saw that someone changed " Pay to the Order '' person from " Internal Revenue Service '' to " XXXX XXXX '' in the amount of {$2400.00} instead of the original amount of {$460.00}. I reported back to the IRS about the situation and the IRS responded that I should report to my bank, Wells Fargo Bank, about the fraud and they will reimburse me back. I scheduled the appointment on the internet on XX/XX/XXXX to meet someone from Wells Fargo at the location at XXXX XXXX XXXX, XXXX, WI XXXX for XX/XX/2023 at XXXX in the morning. That next day my wife and I went to the bank. We spoke to the manager and the manager said that they will report it as fraud. Two weeks later I received a denial letter for the reimbursement. I was then told by Wells Fargo that I needed to make a forgery report from the police department and that it was not Wells Fargo 's fault for this incident. I made the report and the manager made copies of the paperwork, our carbon copy of the original check, and a print out of the forgery check that the bank wrongly process. Two weeks later, I was denied again due to the report being submitted after 30 days from the incident. I tried multiple times afterwards to contact and receive help from Wells Fargo but have been denied multiple times in person and have been transferred multiple times over the phone to multiple departments that would not assist me. After a few months of trying, I was told they would not assist me anymore and will not get reimbursed unless I sued Wells Fargo and good luck with that. Wells Fargo lied to me into believing I would get reimbursed and have failed on multiple steps to assist me before and after the incident took place. The worst part is, I have been a loyal customer for more then 20 years with this bank and was treated unfairly.

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 2024-02-06 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: TX

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). XXXX, Experian, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, Experian, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, Experian, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX, Experian, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX  ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : 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 2024-02-06 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: FL

Complaint narrative:
I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as I have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity along proof of address

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 2024-02-06 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: MO

Complaint narrative:
Over 40 complaints closed with no resolution today experian stole NOW almost 20 of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX my bank charged my account a XXXX XXXX fee for a garnishment fee. My account is serviced by my SSDI payment, the only source of my income. There is never XXXX months of deposits in it, because as soon as I receive my payment I pay bills, buy groceries, ect., this leads to only having between XXXX XXXX to XXXX XXXX left in the account by the end of the month. The only reason my savings account has any money in it is because I have XXXX XXXX on the XXXX  of the month transferred into it in order to try to save something. Usually before the end of the month it is internally transferred back to my savings account because I need groceries.gas, or medication. According to Section 207 of the Social Security Act of 1939, XXXX months of my monthly payments are protected and if there is less money than that in the account a garnishment fee can not be collected, period. So, does transferring money from my checking account into my savings account make that money fair game, even though it is still part of my social security payment. It does not seem right. I have stopped the automatic payments into my savings account. At XXXX XXXX a month it will take another XXXX months to wipe out a negative balance. I know XXXX XXXX does not seem like a lot of money but to me it means a world of difference.

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