vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give XXXX, XXXX or Equifax permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2023 Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NV

Complaint narrative:
I am writing to bring to your attention a concerning issue I have encountered with TransUnion and XXXX XXXX regarding the verification of a debt, as well as reporting inaccuracies on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611, I submitted a Certified letter to TransUnion, requesting a method of verification for a specific account. Despite this, TransUnion has failed to provide me with any method of verification, thereby violating FCRA Section 611. 

Simultaneously, I contacted XXXX XXXX to request verification of the mentioned account 's ownership. In response, XXXX XXXX stated their inability to furnish the requested documents, depriving me of my rights as a consumer to access documentation pertaining to my account. I have attached XXXX XXXX 's response letter, confirming their inability to provide the necessary documents. 

The perplexing issue arises when TransUnion continues to verify the debt as valid, despite the fact that XXXX XXXX, the creditor, is unable to verify it. It appears that TransUnion may be engaging in deceptive practices, as it is paid by XXXX XXXX to report debts and may be profiting from inaccuracies. 

Moreover, I have identified reporting inaccuracies on my credit report from TransUnion, which is a further violation of my rights under the FCRA. I have attached a copy of my credit report highlighting these inaccuracies. 

I request the Consumer Financial Protection Bureau 's intervention in investigating and addressing this matter. It is imperative that TransUnion complies with FCRA Section 611 and rectifies the reporting inaccuracies promptly.

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 2023-12-21 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: OH

Complaint narrative:
Second notice of complaint and lawsuit and opportunity to cure. 

remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX Bank has opened an account with my name three times in the past year never once doing any kind of background check or credit checks I now have to pay for service that alerted me an account was opened, and this time I was able to stop the account from continuing. 
My complaint is that this M & T bank has lack of security, and has hackers opening accounts Without any repercussions

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it 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
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it 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
Consumer complaint received 2023-12-21 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card XXXX XXXXXXXX originated the dispute and froze my debit card account. XXXX XXXX bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called XXXXXXXX XXXX XXXX XXXX again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that XXXX XXXXXXXX XXXX made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!

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 2023-12-21 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: Self Financial Inc.
State: DC

Complaint narrative:
That on XX/XX/2023 I sent Self/XXXX XXXX a notice to opt-out of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: AE

Complaint narrative:
i sent a dispute to transunion going over some personal information that isnt mine they have yet to respond to the matter and removed this information that is not 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 non-monetary relief
Consumer complaint received 2023-12-21 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: KY

Complaint narrative:
Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.

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 2023-12-21 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: KY

Complaint narrative:
Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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 XXXX : XXXX Account NumberXXXX 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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
In response to a falsified e mail a {$650000.00} wire transfer was made from a XXXX XXXX account to a Wells Fargo bank account -- -- the account number, bank and routing number were to an existing account but that account is not the recipient 's account because the recipient HAS NO WELLS FARGO ACCOUNT. 

The name of the intended recipient was XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( no typo ) -- - The account name to which the funds were mistakenly sent and which supposedly corresponds to the account number is " XXXX XXXX XXXX ''. 

The wire request from XXXX XXXX ( requested Friday XX/XX/2023 and completed Monday XX/XX/2023 states that the name on the account to which the funds are to be credited is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ''. Wells Fargo HAS NO SUCH ACCOUNT TITLED IN THAT NAME. 

On Monday XX/XX/XXXX the sender ( author of this Complaint ) through XXXX XXXXXXXX initiated a wire recall notice to Wells Fargo. It is not Thursday XX/XX/XXXX and Wells Fargo REFUSES TO HONOR THE RE-TRANSFER DEMAND. 

WELLS FARGO IS ON NOTICE THAT A FRAUD HAS BEEN PERPETRATED, via XXXX XXXX 's fraud unit and it continues to refuse to honor the reissuance of the funds. 

THE FUNDS ARE IN IMMEDIATE DANGER OF BEING RELEASED TO THE PERPETRATORS OF THE FRAUD AND WELLS FARGO, KNOWING THIS, CONTINUES TO FAIL TO PROVIDE ANY RELIEF VIA ASSURANCES, RETURN OF THE FUNDS, OR ANY OTHER ASSISTANCE. I was advised that it may have " blocked '' the account to which the funds have been deposited -- -- the very same account of the PERPETRATORS OF THE FRAUD - but that the block may only remain for a short time -- -- -- -- -- -- meaning the funds could very well be released to the perpetrators while Wells Fargo is on notice of the definite fraud. Time is of the essence. 

THE ACCOUNT NUMBER TO WHICH THE FUNDS WERE SENT AND SUPPOSEDLY DEPOSITED IS -- - XXXX -- -- -- - it is from this account that the {$650000.00} must be released to XXXX XXXX rather than to the fraud perpetrators using this account.. 

Thank you! Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agency EQUIFAX is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Equifax Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT.

This section states - A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX  ). 
According to the law referenced, EQUIFAX must remove the following unauthorized inquires that were pulled and furnished on my report without my written authorization and permissible purpose Immediately : According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish any record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2023, I tried to close my bank account with a balance of just over {$10000.00} at BMO Harris Bank. I was informed that a cashier 's check was delivered to my residential address. In early XXXX, I followed up because I never received the check. I was informed to go to a local retailer so that BMO Harris Bank could verify my identity and reissue a check. From XXXX to XXXX, I made 4 trips to the local bank in XXXX XXXX. I signed and notarized consent to reissue the check. I was told that it would take the bank 90 days to confirm the cashier check was lot and that a new check would be issued after XX/XX/XXXX. I went to the local bank again and was told that BMO Harris would need issue this from their accounting backoffice. I called in early XXXX to inquire and was told that a new cashier 's check would be issued within 7- 10 business days. On XX/XX/XXXX, I further inquired and was told that the check was not processed. They then informed me again that it would take another 7-10 business days before a cashier check would be issued. I asked to speak to a Case Specialist and was assigned to XXXX. I was originally assigned to an analyst named XXXX. But no case reference number was provided. I was only told that I would get a followup call in 3 business days.

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 2023-12-21 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation