vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: SC

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-19 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: FL

Complaint narrative:
I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about XXXX  times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed Experian to dispute these XXXX  inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.

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 2024-04-19 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: NY

Complaint narrative:
The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX- Account Number XXXXXXXX XXXX XXXX -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than XXXX years. 

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I initially ordered service at a XXXX store for XXXX  service at my home on XX/XX/XXXX. At that time I signed a XXXX year contract for service. When my contract was up on XX/XX/XXXX I did not sign for renewal for a new contract. My XXXX year contract XX/XX/XXXX - XX/XX/XXXX had a excellent payment history, never a late payment! I continued with XXXX until XX/XX/XXXX on a month to month basis paying all monthly bills on time never late. On XX/XX/XXXX I informed XXXX I am canceling the service and returned their equipment. I was sent a final bill which I promptly paid. On XX/XX/XXXX I received a call from Sunrise Credit Service claiming I owed {$150.00} for an early termination fee. I informed the rep that my contract was paid in full and I did not sign any new contract. I then asked the rep to send me a copy of the new contract which she did not have. The rep informed me that they would look into it and if I did not hear back from Sunrise within XXXX weeks don't worry about it. I did not hear anything back from Sunrise for XXXX  months. I received a call from Sunrise on XX/XX/XXXX different rep same claim that I owed a termination fee. Once again I explained the full story to her, she also did not have a copy of a new contract that they claimed I signed. Once again Sunrise was to get back to me with a copy of the new contract and I have not heard back as of this writing. They never got back to me because there is no new contract. I received a notice from XXXX that a collection notice was placed on my account. My credit score for the past XXXX plus years was over XXXX, last month it was XXXX. My credit history is excellent. If I owed XXXX any money I would have paid it, all you have to do is look at my credit history! This is harassment by Sunrise in trying to collect a debt when no money is owed! 
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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion credit report company has had on going Disputes place on my account regarding company XXXX auto this information iis not my l report to please XXXX  this information and XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX firm has sent in information requesting to Delete this Account off my Credit report. Whenever l received credit report this company is constantly showing hasn't been deleted. The XXXX firm sent in XXXX  Drivers license. And XXXX XXXX  agree the information doesn't match instead TransUnion. Delete it this company continuous Disputes behind XXXX another

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/2018 XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/2018 I contacted this company but they did not respond and wrote a letter again no respond.

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 2024-04-19 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I tried to use a prepaid American Express card with {$350.00} on the card. I was using this card to pay for an oil change and filters and wiper blades at XXXX XXXX XXXX in XXXX XXXX, on XXXX. The amount of my bill at XXXX XXXX XXXX was {$300.00}. The lady in the service department ran the {$350.00} American Express card and the card was declined. I had another American Express card with {$200.00} on it. I gave that to her to pay for my services at XXXX XXXX XXXX. She ran the card and this card also was declined. I had to use my XXXX XXXX debit card to pay my bill. It was very embarrassing for me to have XXXX  American Express cards declined. When I arrived back home, I called the toll free number on the back of both American Express gift cards and the cards had a balance of {$350.00} and {$200.00} on them. It's frustrating that I could not use these cards when they both had a {$350.00} and {$200.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have submitted a claim to Bank of America regarding fraudulent charges made to my account from an ATM. Despite providing evidence, Bank of America denied the claim, alleging that someone I knew was responsible for withdrawing the funds. This suggests that Bank of America is aware that the ATM transactions were unauthorized. I became aware of these transactions due to discrepancies in my account balance. Following advice from a Bank of America XXXX XXXX representative, I meticulously reviewed my transactions after requesting a manual check of my balance for any system errors, which none of the customer service representatives were willing to do. I have an upcoming appointment with a banker at the branch to address this issue. However, I find the bank statements and app ledger challenging to decipher. Additionally, a concerning issue arises when using the ATM, as individuals nearby may be able to observe your PIN input, whether you are at the drive-thru or walk-up ATM.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo denied my dispute for XXXX something the claim id was XXXX It was some unauthorized transaction on my account and I spoke to why it was denied and they refuse to help then I asked for a XXXX her name was XXXX and she was extremely rude. I want to get my money back because my account is over drawn now and Wells Fargo has been no help!

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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 am writing to express my deep concern and frustration regarding the handling of my Wells Fargo XXXX  account, which has led to the blocking of my account and the unavailability of funds. 

In 2015, while visiting the United States on a visitor visa, I opened a checking account with Wells Fargo. During my stay, I deposited approximately {$2000.00} into this account. However, upon returning to my home country, I received notification that my account had been blocked, and I was no longer able to access my funds. 

Upon reaching out to Wells Fargo 's customer service team recently, I was informed that my funds were transferred to a federal entity and are now deemed unreachable by me. This has left me deeply concerned and dissatisfied with the handling of my account. 

I believe that there has been a lack of clarity and transparency in the communication regarding the status of my account and the transfer of my funds to a federal entity. As a customer, I expected to be informed of any issues or concerns regarding my account in a timely manner and to be provided with clear steps to resolve any issues. 

Therefore, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I request a thorough investigation into the handling of my account by Wells Fargo and the transfer of my funds to a federal entity without my consent or clear explanation. 

I kindly request that you review this matter promptly and provide me with updates on the status of my complaint. I am hopeful that through your intervention, a resolution can be reached, and I can regain access to my funds. 

Please do not hesitate to contact me if you require any further information or clarification regarding my complaint. I appreciate your attention to this matter and look forward to a swift resolution.

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 2024-04-19 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:
I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX & EQUIFAX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report. 
I am requesting the XXXX of XXXX for the following disputed account ( XXXX ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe XXXX XXXX, XXXX XXXX EQUIFAX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent.

Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a XXXX  case against my XXXX  in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake Financial received the final payment on my car loan and told me that out of the XXXX in additional fees that I owed theyd agree to wave $ XXXXThey said that I had until the first of the next month to bring the balance to XXXX  and receive my title ; however, failed to mention that they were adding interest into the fees owed if that is even possible. I called in to pay my fees and arrange for my title to be sent. I spoke with customer service representative XXXX. He alerted me that Id need to pay an additional XXXX in fees in order to get my car title bringing the balance up to {$180.00}. I informed him that this was predatory and that I didnt have extra money to give them as I am not currently working and I gave all I had. They are still adding on extra fees daily and refusing for me to pay the original balance of {$60.00} after the XXXX they agreed to wave without paying the excess amount that they tacked on the last past 18 days.

Company response to consumer: Closed with explanation