vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly 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 2024-05-30 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: NJ

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received two documents from your office. One is prepared on XX/XX/year> and one on XX/XX/year> ( conf. # XXXX ). 
The one prepared on XX/XX/year> tells the matter of following thing : We are in receipt of correspondence regarding your credit file from a family member or another individual. To maintain the security of your credit information, it is our policy and legal obligation to release that information only to you unless another individual provides a notarized Power of Attorney. 
From my observation, my family, XXXX XXXX and XXXX XXXX, who reseide with same address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, seem not to feel the necessity to ask the credit report behalf of me. As far as remember the previous correspondences with many credit report companies, sometimes, the people ask the credit report to prove the death. Since I live with them, I can not understand why they need to ask it. Anyway, after receiving who have requested the report, I want to ask them why they have felt the necessity to request to your branch. If the requested person is different from above-mentioned names, I need to report for the authorized institutions, organizations, and parties ; therefore, I request to your office and company to provide the name ( s ) of suspicious persons/party. And I believe this is the right based on the international law for the safety of person/human beings ( XXXX and XXXX ) XXXX I seriously believe your office have not received any notarized document prepared by Power of Attorney of some state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-05-30 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: NJ

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 account listed without my expressed written consent.

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 2024-05-30 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-30 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MO

Complaint narrative:
XXXX XXXX and XXXX finance are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXX XXXX 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone did fraud on my account and I called chase bank to help me out and they said they couldnt help me or do anything I told them I want to open a investigation and they said they cant help me out because they said that I XXXX someone but I told them it wasnt me and they said so you mean some one got into your online account and I told them yes I didnt do anything and they said they cant help me and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial is the company I have the loan from and I recently found out that the loan term and the payments per month are not matching up. The total amount of the vehicle is {$19000.00} and on the first billing statement I received, it states my payments are {$520.00}, which I was told by the dealership was a 3 year ( XXXX ) term. Come to find out that it is actually a XXXX term ( 5 year ) with the payment at the same rate, which would add up to {$28000.00}. The vehicle has now been repossessed voluntarily because I didn't have the patience to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MO

Complaint narrative:
XXXX XXXX and XXXX XXXX  are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXX XXXX 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MO

Complaint narrative:
XXXX XXXX and XXXX finance are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXXXXXX XXXX. 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of

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 2024-05-30 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: MI

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove the INQUIRY WAS, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30 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: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of 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 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Recently, I investigated my credit report and found questionable reporting practices and failure to meet minimal requirements with National Credit Systems. I have written several letters to all three credit bureaus on XX/XX/year> and again on XX/XX/year>. I have sent a letter directly to National Credit Systems asking for a correction and/or prompt removal of incomplete, outdated, or unsupported information. To date, nothing has been updated. As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been trying to get relief assistance with my loan company for over a year due to no avail. I informed them that after being sick with XXXX  which affected me for almost a year I wanted to apply for a wellness program to assist with my payments. I emailed documents and nothing ever happened. I was then told I was denied. No specific reasons after payments were made as well as I had met the threshold of default. I was then told that it was too late to apply for the assistants. I was then told to pay XXXX dollars In XXXX XXXX XXXXXXXX and I would be submitted for assistance and that did not happen either. I applied for the wellness program In early XX/XX/XXXX and again in XX/XX/XXXX to no avail. even after making loan payments.

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 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX,, 2024 I was setting up to replace my hearing aids at Hear Again where I had previously purchased them over three years ago. These were a lot more expensive and my audiologist suggested applying for the XXXX XXXX XXXXXXXX XXXX XXXX which was listed on the purchase agreement as one of the forms of payment other than cash, check, or credit card. 
I did apply, however, several hours later received a call from my audiologist to contact Wells Fargo about a problem approving it. In the several weeks following, I have called and received calls from them without any explanation other than being told they could not " identify me ''. The last phone call on XX/XX/XXXX, as well as the e-mail yesterday, were from XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, ext XXXX. 
The e-mail indicates the reason : " unable to authenticate identity of applicant ''. It also indicates my XXXX XXXX at XXXX and yet they indicate " No factors are available '' negatively affecting my XXXX XXXX. 
I have sent for a hard copy of the XXXX report ( XXXX pages ). This is upsetting to me and I want to understand what was WElls Fargo reason for the denial.

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 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This collection agency called RADIUS GLOBAL SOLUTIONS put a fraud account on my credit report trying to say I owe on a wireless cellular account that was open XXXX which isnt true because I havent opened no new cellular account. I havent gotten any notification from this company. The only reason I knew about this fraud account is the fact I got a notification that it was a new account added to my credit report. I even disputed on my credit report, and they wont remove the fraud account that they added to my credit report trying to get me to pay for something that isnt mine

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 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I deposited my inheritance ( which was a cashiers check for approximately {$22000.00} ) from my grandmothers estate on Tuesday morning XX/XX/XXXX at approximately XXXX XXXX  The teller who accepted my deposit informed me that there would be a hold for a portion of the check but {$5000.00} was to be credited the following business day and that the remainder of the deposit would be released on XX/XX/2024 at XXXX. I agreed and completed the deposit and left the bank with my deposit slip and notice of hold slip. 
Sometime overnight, the hold code D was changed and the entire amount was withheld. When I went into the bank to ask why they changed it behind my back she couldnt give me an answer. Her response was that the back office had placed the hold and there was nothing she could do about it. I called customer service later that evening to find out who switched the hold code, why did they switch the hold code and what was the associates representative number? The customer service representative named faith in Arkansas said she could not answer my questions either and she didnt have any more information and to call back tomorrow and ask for a department that she wouldnt specify the name of the department or the direct number to that department. I told her I felt deceived and that I would have taken another route with my inheritance check had the teller been honest with me about the hold. Bank of America is holding a large cashiers check for 7 days and lied to me about it while I was in the branch making the deposit. I feel like this is a rather decieiful banking practice. I will be moving my money from Bank of America as soon as possible.

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 2024-05-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation