vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has updated my adresses on XX/XX/24 per my complaint number XXXX, but has refused to remove or update XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, in which is now a violation of the privacy act. They have updated all other addresses correctly but refuse to remove/update the above address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX as requested several times. Please review complaint number above and investigate why Experian has neglected to correct XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Experian has yet to provide me with there method of verification or documents proving they are 100 % accurately reporting and required per the many letters sent and the FRCA. 


PLEASE INVESTIGATE EXPERIAN.

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 2024-04-22 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: NY

Complaint narrative:
By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-04-22 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: MI

Complaint narrative:
I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. Please inform me of the actions you will take to resolve this matter.

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 2024-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I terminated an apartment lease earlier due to constantly being vandalized with our cars and someone attempting to enter my apartment. The initial amount of {$9800.00} being charged is wrong, I have been sent to collections, I have sent a certified letter and several emails to have them make corrections on the amount being charged, but can not get a response from XXXX apartments to correct it, they keep saying to contact the collection agency. I once contacted the agency however they can not correct the fees. There's now interest fees which is now {$10000.00}. I paid the amount of {$290.00} for utilities and we had a service dog which was {$50.00}. XXXX XXXX XXXXee, this charges should have been removed. 
The apartment unit was also re-rented about XXXX weeks later, it was not vacant for a long time. The amount they are charging me is wrong and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Capital Bank/Comenity Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify Comenity Capital Bank/Comenity Bank to do the right thing and remove the unauthorized hard inquiry from XXXX. XXXX also confirmed that Comenity Capital Bank/Comenity Bank XXXX XXXX. 

On XX/XX/XXXX, Commenity Capital Bank/Comenity Bank said the following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
FCRA 605B might mean we need to erase incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have wrong dates and amounts.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently opened a checking account with US bank and deposited my check into my account. When the funds cleared, my account was frozen with no sense to the explanation.

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 2024-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX there were XXXX XXXX transactions that were unauthorized on my account totaling {$600.00}. Then early the next morning there were XXXX more XXXX transactions that were unauthorized on my account totaling {$400.00}. So a total of {$1000.00}. I did not receive a letter about my claim so I called Wells Fargo on the XXXX or XXXX of XXXX and they said my claim was denied. So I appealed it. I still did not receive a letter so I called back on the XXXX of XXXX with the new claim number that I received on the XXXX or XXXX and was denied again.So once again I appealed the decision. On XX/XX/XXXX I received a letter and the XXXX and XXXX XXXX XXXX office once again denied my claim stating the following : " We found compelling evidence supporting the decision that we have already communicated to you. There are certain indicators that we look for in the investigation to let us know that there has indeed been fraud on the account. During the investigation, we were not able to find any of those indicators present and denied the claim. '' So then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing that there was a data security incident that occurred approximately between XX/XX/XXXX and XX/XX/XXXX and that personal information including name, and one or more of the following, DOB, SSN, Passport, Drivers License, health information, and or health insurance information was compromised. So with this one information I went down to the bank and filed another claim with an actual banker and I was asked to write a letter outlining the entire timeline and I did and that letter along with the data breach letter I received sent it back in to Wells Fargo for review. I believe this was around the XXXX of XXXX. So I didn't hear anything so once again called the fraud department and they said they never received any thing. So I contacted the banker and she re faxed it. Well we are now sitting on the XXXX of XXXX and I still once again have not received a letter so I call and they tell me the claim was denied on XX/XX/XXXX. Since the Wells Fargo who I had been a good customer for for XXXX years is basically refusing to refund my money. I need help to get my money back

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
We had XXXX  put in our home through XXXX. A {$0.00} interest for XXXX  years credit card through XXXX. Sounds great right? I have spoken with over a dozen customer service representatives for over 2 months. We made XXXX  months of payments equaling {$1000.00}, which was for XXXX and XXXX. Now every time we make a payment, it fails and is sent back. We now have XXXX payments that have come back and late fees are being added. I have opened a case and have the case # if needed, but Wells Fargo said it was my fault and the case was closed. I called AGAIN and spoke with ANOTHER customer representative and again they are saying to make a payment, I said how, because its just going to come back again. Every single time we give them our account number they say, its not an account. How can this be when you have already accepted XXXX payments from said account. To add to our misery, our mortgage is also through Wells Fargo. They have flawlessly taken our money for XXXX  years now.from the XXXX  account for which we have been trying to use with this new loan. What Im sensing is, since they arent receiving interest of any kind, theyre trying to get money by saying its not an account. I have all documentation that may be needed for your investigation. My final words are, my credit score is over XXXX, why would I miss payments? Please help! Thank you

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 2024-04-22 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.

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 XXXX 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 2024-04-22 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: NJ

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-22 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:
You [ XXXX XXXX XXXX, XXXX XXXXXXXX XXXX , ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { XXXX, Transunion, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. 
You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: SC

Complaint narrative:
You [ XXXX XXXX XXXX XXXX XXXX XXXX , ] replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/XXXX } you furnished to { Experian, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late.

It has been over 30 days and you have not properly verify the information. 
Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased a XXXX  XXXX XXXX XXXX- I paid {$3000.00} upfront for an extra XXXX Miles. The situation became confusing and I was never given all of the facts at the time of the extra miles payment. 
I never used any of the extra XXXX miles paid for upfront - I went to the XXXX XXXX dealership and to XXXX XXXX to colect my refund. I have been refused. 
I am entitled to this frefund and I need to colect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a customer pay for a service using a Chase XXXX payment link. I have been a Chase XXXX Account customer for over 5 years and this was the first time using the feature. 
My customer was able to pay for the full {$2300.00} using the payment link, I see that this payment has a status of paid, however the funds are not being deposited into my account. I've reach out to Chase today several times and they claim that they emailed me on Wednesday XX/XX/2024, with a reason, but that email was never received! The reps refuse the tell me the reason and continuously site that the information is in the email I did not receive. They are now placing a 120 day hold on my funds and this has negatively impacted my business and I will not be able to pay my workers for the week. I've been a loyal customer of chase for a long time, but I can not continue to recommend Chase after this terrible treatment, and gas lightning. 

Please note that this is the first and only time I've accepted payments via the XXXX option.

Company response to consumer: Closed with explanation