vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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 dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-02 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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was banking with Wells Fargo and the company close my account because I use a XXXX XXXX as my address they allow me to move the XXXX XXXX XXXX address then I transfer them money and the took the money hostage without letting me access it for months i went in the bank and refuse to leave until they give me my money they call the police. 
They finally said they will give me cashiers check however they charge me a XXXX dollar fee and want all my information and want me to sign all paper saying they arnt resposible for anything Wells Fargo also kept saying I had less money in the account and they lost one of the checks.

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 2024-05-02 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: MD

Complaint narrative:
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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the 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 2024-05-02 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: SC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (, XXXX XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-02 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: SC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OHIO 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
SENT CERTIFIED LETTERS TO ALL 3 BUREAUS TO UPDATE ALL MY PERSONAL INFORMATION ON MY CONSUMER REPORT. THEY ARE ALL REPORTING FAKE ADDRESSES/NAMES/EMPLOYEEMENT THATS HURTING MY CONSUMER REPORT. ALL WERE NOTIFIED OVER 30 DAYS AGO CORRECT INFORMATION NAME : XXXX XXXX XXXX EMPLOYEEMENT ; XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : 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 2024-05-02 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: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint narrative:
On XXXX XXXX XXXX my credit score dropped from XXXX to XXXX with no explanation at all. I have no late payments or anything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've tried contacting Experian onlline, but since I live XXXX they block my access. I tried filling out their forms for dispute by mail, but they will not allow an overseas address. 

I've spent my life building a great credit profile, and it appears Experian arbitrarily and capriciously are trying to ruin my ability to reap the benefits of my responsible credit history. If a credit company is going to drastically change someone's score without any negative reporting, they need to contact the consumer to discuss the situation BEFORE trying to ruin their lives with a punitive credit 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 2024-05-02 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: GA

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. 

Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It has come to my attention that Chase and XXXX XXXX are in violation of 12 CFR 1005/Regulation E/Electronic Funds Transfers Act. On XXXX XXXX, an unauthorized purchase for {$380.00} was made with my Access Device ( 12 CFR 1005.2 ( a ) ( 1 ) ), with XXXX XXXX, without my consent. I did not notice this unauthorized transaction due to the fact that I never received a confirmation to my email. On XX/XX/2024, I filed a claim with Chase for a stolen Access device, as I understand the funds are insured by the FDIC, as well as the banks insurance for their own operational risks and assets. As of XX/XX/2024, Chase bank reversed my claim, putting me in overdraft standing and damaging my reputation, stating that " XXXX informed them that a refund was non existent due to their terms '' however, the claim that was made with Chase states clearly that I did not authorize this transaction which is why I requested for a new card. Furthermore, Chase is in violation of 12 CFR 1005.6 ( b ) ( 3 ) Liability of consumer for unauthorized transfers - Periodic statement ; timely notice not given, as it states ; " A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers ''. My claim was made 34 Days after the unauthorized purchase was made. Chase is now in violation of 12 USC 1005 and has committed fraud and unauthorized use of an Access Device. The chase representative also stated that by Law they have a right to take the money but refused to explain what law. The EFTA ( electronic funds transfer act ) is the law that governs checking accounts and Access devices, and I have clearly shown that they are, in fact, in violation. An FTC report for fraud will be filed, if they do not return the amount of {$380.00}. Their actions have put my account in a negative standing, which has damaged my persons and I reserve my rights to pursue litigation, without recourse UCC 1-308. Chase bank may not communicate with me outside of the CFPB portal. Chase bank does not have authorization to mail any correspondence to the non-mailable addresses they may have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-05-02 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-05-02 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and causing me emotional distress. 

On XX/XX/2023, I submitted a request to XXXX XXXX XXXX XXXX XXXX, requesting validation of a debt they are reporting on my credit report. I specifically requested verification of the original debt amount, current balance, a breakdown of fees and interest charges, proof of their authorization to collect the debt, and proof of their licensing in my state, as per the rights granted to me under the FCRA. 

In response to my request, XXXX XXXX XXXX XXXX XXXX provided some information about the account history but failed to provide the requested documentation and verification of the debt as outlined in my original request. They did not provide proof of their authorization to collect the debt or proof of licensing in my state. This lack of compliance with my request violates the FCRA, which mandates that consumers have the right to obtain accurate information about their debts and the entities collecting them. 

Furthermore, XXXX XXXX XXXX XXXX XXXX 's failure to comply with my request has caused me significant emotional distress. The uncertainty and frustration resulting from their refusal to provide the requested documentation have impacted my mental well-being and caused undue stress. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and XXXX XXXX XXXX XXXX XXXX XXXX to remove the debt from my credit report until they can provide the requested validation in accordance with the FCRA. Additionally, I request that the Consumer Financial Protection Bureau take appropriate action to ensure XXXX XXXX XXXX XXXX XXXX complies with all relevant laws and regulations to prevent similar instances of non-compliance in the future. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

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 2024-05-02 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and causing me emotional distress. 

On XX/XX/2023, I submitted a request to XXXX XXXX XXXX XXXX XXXX, requesting validation of a debt they are reporting on my credit report. I specifically requested verification of the original debt amount, current balance, a breakdown of fees and interest charges, proof of their authorization to collect the debt, and proof of their licensing in my state, as per the rights granted to me under the FCRA. 

In response to my request, XXXX XXXX XXXX XXXX XXXX provided some information about the account history but failed to provide the requested documentation and verification of the debt as outlined in my original request. They did not provide proof of their authorization to collect the debt or proof of licensing in my state. This lack of compliance with my request violates the FCRA, which mandates that consumers have the right to obtain accurate information about their debts and the entities collecting them. 

Furthermore, XXXX XXXX XXXX XXXX XXXX 's failure to comply with my request has caused me significant emotional distress. The uncertainty and frustration resulting from their refusal to provide the requested documentation have impacted my mental well-being and caused undue stress. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and XXXX XXXX XXXX XXXX XXXX XXXX to remove the debt from my credit report until they can provide the requested validation in accordance with the FCRA. Additionally, I request that the Consumer Financial Protection Bureau take appropriate action to ensure XXXX XXXX XXXX XXXX XXXX complies with all relevant laws and regulations to prevent similar instances of non-compliance in the future. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

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 2024-05-02 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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