vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX  XXXX  Credit Card ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( XXXX Account ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all three credit bureaus XXXX, XXXX and Experian on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than 30 days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly. 


Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance.

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent.

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
Per the FCRA as a federally protected consumer. I am now opted out of any and all authorization. I the consumer may have given you written unwritten verbal or non-Verbal, per 15 USC 6802. Effective immediately and indefenitly. 


Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX D.CXXXX XXXX Dear Sir or Madam, I am writing to formally file a complaint against several credit reporting agencies that are violating federal laws concerning consumer privacy and credit reporting. 

1. **Violation of 15 USC 6802** : These agencies are unlawfully reporting transaction history. Section 6802 of the Gramm-Leach-Bliley Act mandates that financial institutions must provide notice to consumers and an opportunity to opt-out before disclosing non-public personal information. The unauthorized reporting of transaction history by these credit reporting agencies constitutes a clear violation of this statute.

2. **Violation of 15 USC 6805** : The credit reporting agencies are failing to comply with the enforcement provisions outlined in Section 6805 of the Gramm-Leach-Bliley Act. This section requires agencies to enforce the provisions of the Act to ensure consumer information is protected. The continuous reporting of transaction history without proper consent further exacerbates this non-compliance.

3. **Violation of 16 CFR 313** : The credit reporting agencies are also in violation of 16 CFR 313, which governs the privacy of consumer financial information. Specifically, this regulation requires financial institutions to provide privacy notices to customers and prohibits the disclosure of nonpublic personal information to nonaffiliated third parties without proper consent.

4. **Privacy Act of 1974** : Additionally, under the Privacy Act of 1974, the act of charging off a debt should be considered as issuing a certificate of indebtedness, which is classified as income. This reporting must be removed from the credit reports as it inaccurately portrays the consumer 's financial standing and violates their rights under the Privacy Act. 

Reporting the Following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education 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 explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
According to the consumer reporting agencies, my information was breached through the following credit bureaus ( XXXX, XXXX, trans union ) I received a check from XXXX because of the breach. Enclosed is a copy the check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I, ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I, ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NV

Complaint narrative:
I'm writing to express my concerns about your agency 's violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To prevent further escalation, these issues must be addressed and resolved to the maximum extent The mistakes on my credit report, which have decreased my creditworthiness, are unacceptable. Furthermore, failing to provide notifications about the sources of the information in my credit report, as well as illegal disclosure of my credit information for no lawful purpose, are serious violations that must be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NV

Complaint narrative:
I'm writing to express my concerns about your agency 's violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To prevent further escalation, these issues must be addressed and resolved to the maximum extent The mistakes on my credit report, which have decreased my creditworthiness, are unacceptable. Furthermore, failing to provide notifications about the sources of the information in my credit report, as well as illegal disclosure of my credit information for no lawful purpose, are serious violations that must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Multiple hard inquiries on credit report need to come off it is affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Multiple hard inquiries on credit report need to come off it is affecting my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in XXXX, Tennessee over XXXX XXXX weekend when I received an email from my bank Wells Fargo reporting a potential fraudulent charge. The charge was for {$1700.00} to a place called XXXX XXXX XXXX. I confirmed with Wells Fargo that this was not me and after they secured my account they said they would begin to get me my money back by filing a fraud claim. They said it would take 7-10 business days, so after the XXXX day I called them, they told me the claim was rejected because the purchase was made with the sim chip in my debit card, which couldn't be replicated. Since it was made with my " chip '' they said I needed to sort it out with the vendor, but the vendor doesn't exist! I scoured the internet looking for a point of contact with XXXX XXXXXXXX, and my research concluded that the place does not exist. Over the next four weeks, I submitted a claim through the Wells Fargo business office and another through my family 's Wells Fargo financial advisor, both were denied. I then filed a report with the XXXX XXXX, CA, and XXXX, TN police departments but both said it was outside of their jurisdiction. We have also filed a report with the FBI through identitytheft.gov. A family friend and retired FBI agent suggested filing this report because all other avenues have been exhausted.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a preferred customer of Bank of America for over 30 years and got a letter two weeks ago that they closing all my accounts in 30 days with no explanation. I went to bank branch as well as called number on the letter and all I got is that they dont have to give a reason other they do not want to do business with companies in my industry. We are a XXXX XXXX  so are they not doing business with XXXX XXXX I find that hard to believe! If this is the way they treat their preferred customers, why would anyone want to do business with them. Now I have to scramble to open new accounts and notify all the automatic payments and deposits of the changes to venders and customers. This is very unprofessional and people need to know how they treat customers. I have also referred XXXX of customers to the bank and probably made them a lot of money and this is the thanks I get!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Company reporting Incorrect information. They tried to verify sending lease agreement but I sent in the walk through paperwork showing that I had no additional charges and account still came back verified even though its clear discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
Hard inquiries on my consumer report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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. 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