vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I did not authorize these inquiries on my credit report please remove them from my credit immediately 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , correct and/or block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX, XXXX. Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Account Late payments recorded must be cleared and made current for the below accounts : Account : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX The aforementioned accounts, collections, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me or have been recorded unjust while I was medically incapacitated. All of the aforementioned accounts, collections, and late payments are the result of identity theft, fraud, or reported as late during a time that I was medically incapacitated.. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries associated are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Summary I am filing this complaint regarding a {$25000.00} USD international wire transfer initiated on XX/XX/year>, from my Wells Fargo business account. The funds were intended for a XXXX XXXX  account in the XXXX, with XXXX acting as the intermediary bank. Despite multiple recall attempts by both Wells Fargo and XXXX, the funds remain uncredited, causing significant financial and reputational harm to my business. 

Transfer and Investigation Details XXXX. Transaction Information Amount : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Initiated : XX/XX/year> Originating Bank : Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Bank XXXX XXXX, XXXX XXXX XXXX XXXX 's Findings XXXX reported that while the cover payment was processed, they did not receive an XXXX message from Wells Fargo, which prevented completion of the transfer to Nationwide. 
XXXX sent recall requests to Wells Fargo due to the missing XXXX and has also requested debit authorization from XXXX to process the return. Despite these efforts, there has been no response from XXXX, leaving the funds uncredited and unresolved. 
XXXX. Wells Fargo XXXX XXXX XXXX Wells Fargo initiated case # XXXX and made multiple attempts to recall the funds, with formal recall requests sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 
Due to the lack of response from XXXX Wells Fargo closed the case and advised that I contact the Federal Trade Commission, the XXXX XXXX XXXX XXXX XXXX, and legal counsel. 
XXXX XXXX Wells Fargo Wells Fargos premature case closure and inability to resolve the transfer issue violate consumer protection expectations, given the lack of support to ensure the transactions completion or recovery. As the originating bank, Wells Fargo has a duty to ensure that my funds reach the intended recipient or to fully pursue a recall if they can not complete the transfer. 

Impact on My Business The missing {$25000.00} transfer has disrupted business operations, strained client relationships, and resulted in financial losses. Wells Fargos failure to provide a clear path forward has left me without access to my funds or further recourse.

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 2024-11-07 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:
I am writing to express my concern regarding the BANKRUPTCY reporting on my credit report, and unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items and unauthorized and fraudulent inquiries from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear AFFIRM INC, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
PLEASE DO NOT CLOSE THIS AS DUPLICATE before reading completely I just received a response from XXXX ( attached ) that Flagstar is still lying to them and tryin to keep the inquiries on my report. 

Flagstar bank 's process for handling XXXX dispute is a total sham, it is just a dog and pony show to fool the customers and regulators. I opened XXXX disputes with XXXX and XXXX CFPB complaint and they were all closed by XXXX simple lie saying " the information is accurate and complete '' whatever that means. Even after XXXX has admitted they didnt ask for my consent for pulling these reports, whoever is handling tthe XXXX dispute is still lying to XXXX. This is the response I got from XXXX today on XXXX. And the lies are pretty obvious, you can read for yourself " Our records indicate that XXXX has previously received disputes directly from the consumer that was of the same nature as the complaint. As is our standard practice, XXXX sent a letter to notify the consumer of our intent to initiate a reinvestigation. XXXX notified Flagstar Bank of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. Flagstar Bank has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I am at a loss here on how to even file a complaint against Flagstar as it is evident now that they dont even know the basics of banking, they pull reports without asking for consent and when caught in the act, they start lying. XXXX response doesnt address any of my concerns. I have to waste countless hours and had to listen to multiple lies from Flagstar employees and she thinks everything XXXX out of the XXXX inquires ( and that too hasnt been done yet and they are still lying to XXXX as stated above ) makes everything right. She is asking me to wait another 30 days and I am sure that is another delaying tactics as you can see from the attached document that Flagstar is still lying to XXXX and claiming these inquires are " accurate and complete '' whatever that means They kept these XXXX fraudulent inquires on my report or almost XXXX months adversely impacting my ability to do business with other banks and kept repeatedly lying to XXXX about their fraudulent actions and she thinks all that is ok. That says a lot about the ethics of the employees of this bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Requested to cash two {$420.00} checks drawn on Chase Bank at a Chase location. Was told there is a {$10.00} fee because we do not have accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: NM

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 explanation
Consumer complaint received 2024-11-07 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:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 2024-11-07 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear ALDOUS I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe.

Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 2024-11-07 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: FL

Complaint narrative:
my credit report is full of accounts that been 1099 C, the account has been canceled with a 1099 c filed with my taxes

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 2024-11-07 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
credit inquires that i did not inquire on, allowing my information to be ran without authorization

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI

Complaint narrative:
I signed up for a MoneyGram account on XXXX the XXXX and used it to send {$300.00} to the XXXX  account of my partner. 

I used XXXX XXXX XXXX to log into the account and XXXX XXXX  with XXXX XXXX  to withdraw money from one of my credit cards. I was informed the amount would arrive in two days and then later that it would deposit in two hours.

The next morning I tried to log in to my money gram account to track the deposit to find out that I was blocked out of my account : I had three customer service interactions with them asking to be verified or have access to tracking my transaction : I was informed that they could not verify my financial identity inspite of them debiting {$300.00} from my account and they did no due dilligence to check my identity through passport photos. There was no recourse and all customer service interactions told me there was no turning back the decision has been made even though they are currently in the possession of {$300.00} of my money and have not returned control of it, reversed the charges or deposited the amount and have removed all ability of mine to track the transaction. I consider this theft and fraud. And terrible customer service and policy. 
I found all of the customer service to be unhelpful and full of fake platitudes like We are sorry you are experiencing this but making no effort to reveal the Details of the Account block or any recourse other than an invitation to use their physical locations. Terrible. I am angry that an institution can take my money and then block me from managing or seeing the transaction.

Company response to consumer: Closed with explanation