vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: NJ

Complaint narrative:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please update or correct this account immediately XXXX. This late payment status is irrelevant XXXX XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please update or correct this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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 did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Requested on XX/XX/XXXX than XXXX USD was deposited in a XXXX account. They instead deposited XXXX dollars and a lower amount than was expected based on the lowest exchange rate for that day. XXXX USD less. Their site stated that they were no fees associated with transfers over XXXX USD. Despite repeated requests they have not addressed the discrepancy adequately. This seems like a scheme to consistently steal money from clients using a hidden fee structure and might be a violation of XXXX XXXX. I suspect this is a happening to many customers who are transferring money internationally. Please investigate this unfair banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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:
On Monday, XXXX XXXX, 2024, someone who XXXX Citibank 's securit, or a Citibank employee , called me from Citibank 's XXXX department , using the official phone line and Citibank 's official 2 step verification sms line apparently, broke into my business account and made three wires from my business checking totally nearly {$14000.00}. Despite that I have informed Citibank that I did not make any wires, and that someone had clearly broken in their system, and also had use of their phone lines, Citibank has as yet to return the money stolen from me due to their own security breach.The amounts and reference numbers for the illicit wire transfers are Wire # 1. {$4800.00} + {$17.00} wire fee totaling {$4800.00} ref # XXXX ; Wire # 2 {$4900.00} + {$17.00} wire fee totaling {$4900.00} ref # XXXX, and Wire # 3. {$4000.00} + {$17.00} wire fee totaling {$4000.00} ref # XXXX ). I filed claims with both the FBI Internet crime and XXXX State Police for the same theft. At first Citibank 's agents acknowledged it was a fraud/theft and told me that they would put the money back as provisional credit no later than XX/XX/XXXX. When the money did not go into my account, I called them, they then indicated it would not be going back to my account but would be pending an investigation, changing their story. I complained and explained to a supervisor and told them that I had not made any wires nor given anyone nor any third party my information. The supervisor then assured me it would go to the XXXX department as it was originally and I should be getting the provisional credit shortly. Then, week 's later, after calling repeatedly, I got a message from Citibank denying my claim, incorrectly stating that I somehow had a role in the wire transfers, which is not true at all. I complained again and the last supervisor said they would appeal the decision. In the meantime 2 months have already gone by and the costs and additional damages to me and my family, damage to our credit rating, financial hardship have been mounting. It is unacceptable. Citibank 's system was hacked/hijacked and they are not taking responsibility and instead forcing me to suffer a major loss that is the result of their own negligence/system failure. Worst is it was I who even caught this happening in the act and informed Citibank, doing their own fraud department 's work for them. When I did so, their agent XXXX they saw someone was in my account making wires as we spoke. I later found out that Citibank had already at that moment the names, bank and account numbers of the recipients AS the money was being transferred. This means that it would only have take a phone call to those banks at the same instant to stop or freeze the money. This, too, was Citibank 's failure alone.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
This creditor has violated my privacy according to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 section XXXX section XXXX also statesa consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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.

Complaint narrative:
I sent a letter to XXXX to opt out of all reporting after my initial acceptance for XXXX to report. In XXXX, a letter was sent to the company indicating to opt out from any and all authorizations, and I the consumer, have given you, written, unwritten, verbal and nonverbal, verbal per 15USC1602. My request for Opting out was on XXXX complaint and XXXX is ignoring my request and violating the law. 

After I sent the opt out request to the company,. The company is still reporting to the credit companies and affiliates without my consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On that complaint, the company is denying me from Opting out " Company 's Response XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. According to our records, we responded in writing to both you and the CFPB on XX/XX/2024, regarding your case number XXXX. In that response, we advised that we have confirmed we are accurately reporting your account history and status to the credit reporting agencies. As such, we are unable to honor your request to remove your above referenced account from your credit files as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. I have enclosed a copy of our prior response for your records. Please be assured that this matter has been given our full attention and a thorough investigation into your concerns has been completed. Please understand that since we have addressed your concerns and until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Should you have any questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXXXXXX XXXX XXXX. ( ET ). Sincerely, XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB

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 2024-03-18 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.

Complaint narrative:
I sent a letter to XXXX to opt out of all reporting after my initial acceptance for XXXX to report. In XXXX, a letter was sent to the company indicating to opt out from any and all authorizations, and I the consumer, have given you, written, unwritten, verbal and nonverbal, verbal per 15USC1602. My request for Opting out was on XXXX complaint and XXXX is ignoring my request and violating the law. 

After I sent the opt out request to the company,. The company is still reporting to the credit companies and affiliates without my consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On that complaint, the company is denying me from Opting out " Company 's Response XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. According to our records, we responded in writing to both you and the CFPB on XX/XX/2024, regarding your case number XXXX. In that response, we advised that we have confirmed we are accurately reporting your account history and status to the credit reporting agencies. As such, we are unable to honor your request to remove your above referenced account from your credit files as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. I have enclosed a copy of our prior response for your records. Please be assured that this matter has been given our full attention and a thorough investigation into your concerns has been completed. Please understand that since we have addressed your concerns and until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Should you have any questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX XXXX XXXX XXXX  ( ET ). Sincerely, XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-03-18 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-18 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I am a victim of XXXX XXXX please remove this fraud inquiry from my credit report.

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