vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. 

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I demand under FCRA : Section 604 : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated.

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 2024-07-22 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 PERSONAL INFORMATION WAS BREACHED AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
o in XXXX I purchased my home off my father. We did a XXXX $ transfer I paid off his home mortgage with the money I earned form the sale off my other home. We did a title search. There was a mortgage and a line of credit. At the time the line of credit ad a {$0.00} amount owed and from our understanding was to be closed. This is where things went wrong. The line of credit was never closed and my father without my knowledge started using it in XXXX. He says he was under the impression that it was just a loan. With that being said I dont understand how a title company leaves it up to someone who borrows money to close their account with no proof that the account was closed. Fast forward to XXXX he gets really XXXX  in XX/XX/XXXX and goes into a XXXX home and stops making the payments. He has been in and out of the XXXX  since and is basically losing his mind and XXXX So In XXXX XXXX I received a foreclosure notice because he stopped making payments and his balance is around XXXX. My father has since passed away leaving me with debt. The bank takes no responsibility for this and just wants their money. I am struggling to make the payments and don't really feel like i should have to.

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 2024-07-22 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong 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 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Two unauthorized transfers from my bank Citibank checking account on XX/XX/year> were sent to a person 's XXXXXXXX XXXX account * {$1900.00} at XXXX * {$550.00} at XXXX I contacted Citbank at XXXXXXXX XXXX  the same day ( witin 40 minutes ) -- the transaction said " still pending '' on my end. 

Citibank opened investigation but apparently did not put a stop on the transaction. 10 days later I still had not hear anything so I called Citibank 's fraud department. Citibank informed me the receiver 's bank account has been closed therefore Citibank will not refund or give me any protection against the 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TN

Complaint narrative:
Dispute item on credit. 
XXXX XXXX XXXX XXXX Which appears due to identity theft. 
Company has failed to remove the identity theft based item after 30 days with no response from the collection agency. The item was placed on the file after the underlying creditor XXXX XXXX was deemed to be identity theft. XXXX XXXX XXXX XXXX attempted to relabel the original creditor as XXXX XXXX XXXX in order to circumvent the FCRA.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 non-monetary relief
Consumer complaint received 2024-07-22 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: NJ

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: RI

Complaint narrative:
I rencently I locked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
This is very upsetting, I found out that my credit report contains inaccurate and incomplete information. My requests in correcting this information keeps getting ignored and my life and credit score is negatively affected.

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 2024-07-22 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: LEXISNEXIS
State: NV

Complaint narrative:
LEXISNEXIS continues to downplay the importance of credit reporting in reference to Consumer Number XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is my third time sending the same information. Please stop and remove bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
I asked the 3 major credit bureaus to remove inaccurate items from my credit file.

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 2024-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: GA

Complaint narrative:
I have been getting harassment calls regarding this debt and I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing an error on my credit report regarding an account that has been incorrectly re-aged. From XX/XX/XXXX to XX/XX/XXXX, the account was marked " ND '' ( no data ). Recently, it was updated to show a " CO '' ( charge-off ) status in XX/XX/XXXX, which is inaccurate. 

The specific reporting history is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The charge-off should have been reported years ago, not as of last month. This re-aging is misleading and illegal under the Fair Credit Reporting Act. Please investigate and correct the reporting to accurately reflect the actual charge-off date. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On or about XX/XX/2024, we went to Navy Federal to add you as a joint account holder and have the banker sign my direct deposit form. My husband and I provided my license and paystub for verification. While we were there, the banker issued us debit cards. We then asked if we could transfer money into the account to have funds available. The banker confirmed this was possible within the transfer limit. I informed her that I wanted to transfer {$8000.00} from my checking account. She advised us to wire transfer that amount. 

After following her advice, I found that I could not access my account by the time we left the bank. We stayed in the parking lot for about an hour, thinking it was a connection issue, but the problem persisted. We went back inside, and the banker called security to lift the lock on my account. However, by the time we got home, my account was locked again. I called Navy Federal, verified my identity, and regained access.

The next day, my account was locked again. I called Navy Federal, verified my identity 
by sending my license and another form of verification, and waited 72 hours. I was then informed that I could no longer access my account. I submitted an appeal to prevent the account from being shut down. 

On Monday, XX/XX/XXXX, my husband and I went back to the bank to resolve the issue in person. The banker noticed that I had mistakenly sent my old license with my maiden name instead of my married name. I then provided my correct license and marriage certificate. Later, when I called for a status update on the appeal, I was informed it had been denied. I requested that my money be transferred back to my XXXX account. Navy Federal then accused me of having a fraudulent account and refused to provide further status updates. 

I called XXXX to see what could be done. They initiated a recall to Navy Federal to have the funds sent back. It has been over a month dealing with this. On XX/XX/XXXX, I called Navy Federal for a status update on the wire transfer. Despite XXXX confirming the transfer was legitimate, Navy Federal continued their investigation without providing any clear timeline or reason. 

I expressed my dissatisfaction with their customer service. XXXX informed me they had not sent a hold harmless letter because there was no indication of fraud. Navy Federal insisted this letter was required to wire the money back. I requested XXXX to send the hold harmless letter to Navy Federal regardless. 

This issue needs to be resolved promptly. I expect Navy Federal to act professionally and expedite the return of my funds to my XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief