vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.

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 2024-08-28 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: GA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-08-28 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: AP

Complaint narrative:
VIOLATION OF THE FCRA .. ( TRANSUNION ) & ( XXXX XXXX ) IS REPORTING UNAUTHORIZED HARD CREDIT INQUIRY ON MY TRANSUNION CONSUMER CREDIT FILE.... TITLED... ( XXXX CARD SERVICES DATED : XX/XX/2024 )... IS IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD HACKING .... TRANSUNION AND XXXX FAILED TO REMOVE THE UNAUTHORIZED FRAUD ( XXXX CARD SERVICES DATED : XX/XX/2024 ) IS UNAUTHORIZED INQUIRY INFORMATION.SINCE ( XX/XX/2024 CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I had an overdraft fee of {$35.00} on my account. I called Wells Fargo and they said they couldnt give it back. So I went to BBB. After going to BBB. They had 10 days. Well they waited the whole 10 days and more. Wells Fargo called me and told me they were working on my case. So while they were working on my case {$310.00} occurred. They only refunded XXXX. So that still left me with XXXX. Which XXXX is what I am disputing. So my dispute of {$35.00} turned into XXXX. Wells Fargo is doing Fraudulent fees on people accounts. 
On XXXX the XXXX I had XXXX {$25.00} fees come in for XXXX charge but they said is from a {$5.00} late charge and the system can charge up to 3 times of {$35.00} fees thats what I was told on the {$28.00} of XXXX so now since my account is negative each day it charges me {$100.00}. Wells Fargo is charging customers fees and taking advantage of customers that they know cant afford the fees. That is Fraud

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 2024-08-28 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: PA

Complaint narrative:
This is my SECOND dispute regarding 15 U.S.C. 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without a consumers written instrucions. I disputed 2 accounts via CFPB # XXXX Submitted XX/XX/year>. 
XXXX account XXXX/ XXXX XXXX was DELETED! 
However, the other account XXXX XXXX XXXX remains on my credit report and I need to know WHY? 
In your response I received today your agency incorrectly stated that I infered that the XXXX XXXX  account was closed and your statement is WRONG because I never said that! 
XXXX XXXX is not a closed account only the other account XXXX XXXX was appearing in the CLOSED section of my Equifax credit report and I never said XXXX XXXX was closed, and a review of my dispute will reveal that I never stated that XXXX XXXX was closed. I dispute XXXX XXXX because it violates my privacy rights. I never gave any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS and XXXX XXXX should be DELETED along with the XXXX XXXX XXXX account that was deleted that I disputed for the same reason ( s ) 15 U.S.C.

1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ). 

The basis of my dispute is that I never gave Equifax any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS in accordance with 15 U.S.C. 1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ).

Also, I am now officially requesting the records that will reveal the procedures used that led to account : XXXX XXXX. # XXXX to be VERIFIED according to your response that I received today via CFPB Portal on XX/XX/year>. 
I also in accord with 1681i request the name of the person ( s ) you spoke with along with their telephone number ( s ) and address. 
I request this information in accordance with 15 U.S.C. 1681i / Section 611 ( a ) ( 6 ) ( B ) ( iii ).

I also understand that your agency has up to 15 days to provide this information to me or Equifax could be liable to pay me {$1000.00} for an untimely reply. 
Additionally, As a federally protected consumer I am requesting my Equifax Credit File. I want your agency to give me EVERYTHING that you have in my Equifax Credit File that pertains to me. and I do mean EVERYTHING without leaving anything out that you have on me in its entirety. 
DELETE XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following employers are reporting incorrectly & need to be removed immediately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  is being reported on my account by EQUIFAX MULTIPLE times. Different account numbers or no account numbers at all. This is negatively affecting my credit report in numbers of ways. I have reached out multiple times and have not received a response. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they provide. Section 611 of the FCRA grants me the right to dispute any inaccurate or incomplete information contained in my credit report. Upon receipt of a dispute, the credit bureau is required to conduct a reasonable investigation and, if necessary, correct or delete any information found to be inaccurate or incomplete. 



Furthermore, the Metro 2 reporting guidelines, which provide the standard format for reporting consumer credit information, explicitly state that duplicate accounts should not be reported. Section 2.3.2 of the Metro 2 Credit Reporting Resource Guide outlines that " a trade line ( account ) should not be duplicated or reported multiple times. '' I have provided the relevant details of the duplicate accounts below for your reference :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life 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 non-monetary relief
Consumer complaint received 2024-08-28 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: LEXISNEXIS
State: CA

Complaint narrative:
I need to unfreeze my credit report to apply for a loan ( or credit card ). The lender requires access to my credit report to process my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Customer Service Department Subject : Formal Complaint - XXXX  Account Closure and Technical Issues Impacting Credit To Whom It May Concern, I am writing to express my utmost dissatisfaction and concern regarding the series of events that have transpired with my Bank of America accounts, which I believe are retaliatory and causing significant harm to my credit standing. 

Previously, I filed formal complaints against Bank of America due to failure to investigate fraudulent transfers from my account. Following these complaints, all of my accounts were abruptly closed. And later, my credit card. While I understand account closures can occur, the subsequent events have raised serious concerns about potential retaliation and unethical practices. 

Specifically, I have been consistently unable to reset my password for online banking access. This has prevented me from managing a credit card account that, despite being " closed '' by Bank of America, continues to accrue interest every month. This ongoing interest accrual is directly and negatively impacting my credit score. 

I have made numerous attempts to resolve the password reset issue through customer service, but to no avail. I am convinced that this technical difficulty is not a mere coincidence but a deliberate obstacle designed to prevent me from accessing and managing my account. 

This situation is not only causing financial harm but also immense stress and XXXX. I am deeply concerned about the long-term consequences for my credit health. 

I urge you to take this complaint seriously and conduct a thorough investigation. I believe my experience exemplifies a pattern of retaliatory practices and technical manipulations aimed at harming customers who exercise their right to voice grievances. 

I expect a prompt and comprehensive response addressing each of my concerns. Failure to do so will leave me no choice but to pursue further action, including legal remedies and reporting this matter to regulatory authorities. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-08-28 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

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 2024-08-28 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: OR

Complaint narrative:
I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-08-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX 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