vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} IXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for unauthorized hard inquiries appearing on my TransUnion credit report. i ve sent notices over and over since XXXX, XXXX These inquiries were made without my knowledge or consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you investigate this matter immediately and remove the fraudulent inquiries without delay. 
The unauthorized inquiries in question are 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An unauthorized transmission of fund was made from account via apple pay totaling {$1200.00}. I did not have my phone or provide any credentials for this transaction. I contacted WellsFargo immediately. Their questioning regarding the event was poor and lacked effort. WellsFargo also made multiple errors, they even submitted the claim twice which I immediately knew would complicate the claim process. Additionally their description of the event was that " I don't remember this transaction '' as opposed to the truthful descriptor of fraudulent unauthorized transaction. I contacted WellsFargo to cancel the duplicated claim. Today XX/XX/year> I contacted them to inquire about the decision for denying my claim. The XXXX was less than qualified to provide me a clear and concise reason. I was given a scripted response that generally stated ; after reviewing all the information and details, they concluded there was no fraud. The contradiction to their explanation is that I was never contacted by a XXXX to obtain any details or even asked for any additional information/documents. I was appalled but the lack of effort and ultimately my claim being dismissed so effortlessly. I was informed there is nothing they can do. I requested the supporting documents pertaining to their investigation, they informed me I will receive them in 1 month, but there is nothing else they can do for me. 

Claim # 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 2024-12-11 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: TX

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. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$880.00} XXXX  - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
Subject : Unauthorized Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding unauthorized inquiries on my credit report from TransUnion. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, inquiries must be authorized by the consumer.

Upon reviewing my credit report, I noticed several inquiries that I did not authorize. These unauthorized inquiries negatively impact my XXXX XXXX, and I believe they XXXX be in violation of the FCRA. I have already contacted TransUnion to dispute these entries but have not received a satisfactory resolution. 

I would appreciate your guidance on how to proceed with this matter. Thank you for your attention to this issue. 

These are the unauthorized inquiries Account- XXXX XXXX XXXX Inquiry Date- XX/XX/year> Account XXXX XXXX XXXX Inquiry Date XX/XX/year> Account XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year> 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Several months ago I deposited in my joint account with a family member his retirement check, and since then it has been withheld and not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX, XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I asked for company name again numerous times to call to have my number removed from being called for person they are looking for and person calling was told company is trans world system incorporated that the number they call from XXXX ( XXXX ) XXXX they called from XXXX ( XXXX ) XXXX yesterday & several times before & that they have been told repeatedly that this is not XXXX XXXX number & to remove my phone & to stop calling me for her the callers name was XXXX she hung up previous callers from company claimed to report my number as wrong number & to remove from list but still they call

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND 1 : Personal Information Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, Also Known As : XXXX, XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former : XXXX XXXX  XXXX Employers : XXXX  Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$23000.00} Late Payment XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: EQUIFAX, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: TX

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. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$610.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$3200.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$7800.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$6300.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$5100.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3400.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$610.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$3200.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$7800.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$6300.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$5100.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3400.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information 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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX cash app went into my credit union account and took over {$90.00}. I did not know where the transaction came from. I did not authorize the transaction. I called Cash app cash app told me they can not see the transaction and I thought it was weird that I can not see the transaction on my Cash app transactions but I can see the transaction on my credit union account I caught my credit unit to try to reverse the payment and they told me they can not because cash app has my routing and account number and they took the money cash app has never put the money back. My account is in the negative, my credit union account went - {$90.00} because of this my Cash app account is still - {$44.00} because of this.

Company response to consumer: Closed with explanation