vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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:
Experian and XXXX XXXXXXXX XXXX  are reporting inaccurate information. The account can not be late the equitable interest that XXXX XXXXXXXX XXXX  is making on the trading of the security. Experian is being paid by XXXX XXXXXXXX XXXX to report this 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 non-monetary relief
Consumer complaint received 2024-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL 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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I started receiving emails about a Chime card that was mailed to me on XX/XX/XXXX and congratulated me on opening a new checking account. I did not open an account with them nor register email address or anything else. I was receiving the emails from Chime to an old email address that was set to forward all emails to my new email account. At first I thought it was scam emails but after receiving more email and researching Chime I realized this was a common issue with Chime. 

When I sent an email to Chime to inquire on the account and how to close it, I forwarded the email that was sent to me however my email to them was coming from my new email account. They refused to assist because I was not emailing from the same account. 

I received an email from Chime that my checking account successfully paid another email account which I did not recognize. 

Upon calling them I was not able to get through because the phone number for the account is required when calling and my phone number did not match. I was able to finally get through a different extension and it was confirmed that a Chime account in my previous married name and old email account was setup and it included my full social security # on XX/XX/XXXX. 

Chime informed me that they would close the account and that I would not be responsible for any charges or any activity and it would also not be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Storm Happen in XXXX in XXXX and we was effected by the tornado. So I reached out to my insurance company and filed a claim. So my insurance company cut me a check for the sum of XXXX the XXXX of XX/XX/2024 and when I went to Wells Fargo ( XXXXXXXX XXXX  ) and I cash the check paid my contractor to get started on the work. Upon my contractor going over the damage he discovered mold in my son closet so picture was taken and sent to my insurance company. Long story short my insurance company cut me another check for edition damage. I go back to the same branch Wells Fargo XXXX XXXXXXXX XXXX XXXX  and deposit the other check in the sum of XXXX on the XXXX XXXX XX/XX/2024 the teller XXXX told me that the funds would be available the next day. Next day I go withdraw XXXX out the bank same branch same teller XXXX. I send my wife XXXX the same day. Now on the XXXX of XXXX the check return because of UNUSUAL IMAGE. I'm in the negative that XXXX and they still have not explained anything they are investigating. My mortgage payment has came back I'm in a huge hole

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 2024-02-03 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXX XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. 
Statement of Violation : XXXX XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies. 
Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, 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 2024-02-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: MS

Complaint narrative:
Regarding XXXX  report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B 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 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 2024-02-03 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: MS

Complaint narrative:
Regarding XXXX  report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B 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 2024-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against Bank of America ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning my Bank of America Travel Rewards account ending in XXXX. 
Statement of Violation : Bank of America, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from Bank of America on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling Bank of America to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of Bank of America 's actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
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 2024-02-03 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: Foursight Holding LLC
State: GA

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :

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 2024-02-03 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: OH

Complaint narrative:
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA and FDCP and FDCPA laws?

5. Have you reported to the consumer who all has reviewed the original contract information with his/her original signature? 
6. Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?

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 2024-02-03 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX.

Statement of Violation : Bank XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/year>, and an unequivocal email notification dated XX/XX/year>, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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 received a letter from Wells Fargo on XX/XX/XXXX saying that I was enrolled in the XXXX XXXX product from XX/XX/XXXX through XX/XX/XXXX. I never authorized enrolling in this product and am not sure what to do about this letter, especially since this supposedly occurred almost 14 years ago. Please help - thanks.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2023 I have noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. I do not recognize any of these inquires and I am unsure why they are there.

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