vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, XXXX XXXX XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
So say I have XXXX in my account and spend XXXX the card gets charged like normal then a few days-the week later later the money comes out again when I dont have the funds and I get hit with several overdrafts cause of this. I contacted them and they claimed they were per purchase but I was told also a while back they cant hit you with more than XXXX overdraft fee a month. I got XXXX in XXXX month cause of the issues i just described. ALSO I wanted to involve myself into the class action settlement for the data breach they had and any others you could possibly do for me.

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 2024-06-01 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, Trans Union, XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 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. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines

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 2024-06-01 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: DE

Complaint narrative:
I am writing to dispute inconsistent reporting on my credit reports from XXXX, Equifax, and XXXX. The information on these reports is not uniform, which violates the Fair Credit Reporting Act ( FCRA ). Equifax is the ONLY credit bureau reporting this XXXX account that is NOT MINE! 

Equifax is in Violation of FCRA Section 1681e ( b ) Accuracy of Report : According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The discrepancies in my credit reports suggest that the credit bureaus are not complying with this requirement. 

Violation of FCRA Section 1681i ( a ) Procedure in Case of Disputed Accuracy : Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of information on their report, the credit bureaus must investigate and correct any inaccuracies. The inconsistencies in my reports indicate that corrective actions have not been consistently applied across all bureaus. 

Attached are copies of my credit reports from the three major credit bureaus, highlighting the discrepancies, as well as my previous correspondence with each bureau regarding these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
XXXX  Bank This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX Bank XXXX  Account # XXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX  Bank is violating specific laws continuously XXXX XXXX XXXX XXXX XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  are XXXX to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, I closed my checking account with XXXXBank. Before that date, I reported my check card as lost and informed the bank that my account had been compromised. I requested an immediate closure of the account and a halt to all charges, and I was assured this would be done. 

However, XXXXBank has allowed a recurring charge of {$XXXX} to go through, which I specifically mentioned was part of the issue. This charge was permitted despite the account being closed and the debit card reported lost. This account is their " SAFE DEBIT '' product, which they claim does not permit negative balances. 

I am unsure if I owe this money and can not visit a branch due to recovery from a medical issue. I also can not reach anyone at their call center, as they are " unable to match my personal information to my account. '' I want this resolved immediately. I should not be held accountable for a negative balance when I took all necessary steps to close the account and forewarn the bank of the compromise, particularly with this retailer. I also should not be penalized with a blemish on my credit report or a derogatory report on XXXX or any other credit bureau due to the bank 's negligence.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I sold my car and was written a check and the check was deposited into the checking account on XXXX XXXX for a total of XXXX USD, I called to confirm, and XXXX XXXX stated they needed to investigate for 60 days. account holder called on XXXX, to gain access to the online account, the capital one company customer representative said the investigation needs to be completed to gain access to the account they are not able to provide information as to when or who is conducting it but that it takes up to 60 days for the investigation to be completed. XXXX XXXX XXXX pm and was replied to by customer protections agent XXXX XXXX number XXXX to ask when the inquiry would be cleared as the bank statement for XX/XX/year> was received in the mail for XXXX USD with XXXX USD in interest, he then stated he could not give me any information on the investigation or who is conducting it as there is no note on file for my account just that the investigation will be conducted for 60 days at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX is fraudulent loser hacker thieves a continuing ongoing XXXXXXXX since at least 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 2024-06-01 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: FL

Complaint narrative:
A creditor has changed the charge off date on my credit report. They have changed information on file for the past XXXX years and are now reporting that there was ND no data. They have changed the date that the report will be removed so that this will remain on the report for XXXX years. In the state of FL the statute of limitations is XXXX years. Experian agreed to remove this from my credit report just as it has been removed from the other two agencies but they have instead concluded their investigation without changing anything. They are allowing this creditor to continue to report false information and information that they actually have on file as accurate. They have changed the removal date from XX/XX/XXXX to XX/XX/XXXX which means that this account will be reporting for XXXX years. I have tried the dispute route with Experian and was given a dispute number over the phone. I was told that the account was being removed. They made a 3 way call to the creditor with me and the creditor was unable to find me in their system because the information has been removed. Experian told me that they do not understand what is going on so they were going to remove it from my report. They have not.

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 2024-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am writing to register complaints regarding XXXX XXXX Bank in XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. In addition to XXXX XXXX Bank as an institution, I would like to register my complaints about XXXX XXXX XXXX # : XXXX XXXX XXXX has publicized his XXXX XXXX  # as recently as XX/XX/year> through his e-mail signature, the XXXX has indicated that he is no longer registered as a mortgage loan originator. Further, it does not appear that XXXX XXXX has ever been registered as an investment adviser or broker, yet he acted in this capacity in selling securities-based products and services on behalf of XXXX  XXXX XXXX XXXX XXXX line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Gave me false information in not having to run my credit for a vehicle but in actually they did and also sent it to another bank and .I didn't recieve the opt out of reporting paperwork ..saying I could opt out of reporting

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 2024-06-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I took a second look at my credit report, I also noticed that this account is reporting incorrectly. The payment history is not accurate at all the following dates are reporting inaccurate, So for the year XXXX for Experian shows XXXX, XXXX, XXXX, XXXX, XXXX. all on time payments, XXXX shows XXXX, XXXX XXXX, paid on time except, XXXX and XXXX was no payment. XXXX shows XXXX, XXXX, XXXX, paid on time except for XXXX and XXXX, Therefore this report is showing inaccurate reporting, According to the FCRA, I have the right to an accurate credit report, Iam now requesting you Investigate this account and update to Paid on time immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
My APR on my credit card went from XXXX or so to XXXX %. I emailed them and let them know that this is predatory and I needed to find out what I needed to do to get it lowered, and they said nothing. Theres nothing I can do. XXXX XXXX APR on a credit card is absolutely, unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: DE

Complaint narrative:
I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX. Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.

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 2024-06-01 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: DE

Complaint narrative:
I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

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
Consumer complaint received 2024-06-01 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: CA

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I called Equifax to let them know of an inquiry that popped up on my credit report that i had no knowledge of or any ties with. I spoke with someone by the name of XXXX and he said that he couldn't help me. As of today XX/XX/year> the unknown inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
have been disputing these items with these companies for almost a year! I provided police reports and asked for validation of debt ( signed contract ect. ) and they have YET to provide that but keep saying its on me! My identity was stolen! And Ive have proved them with everything I can KEEP disputing and they keep denying my claims. 

XXXX XXXX Is reporting that I owe XXXX credit cards and I dont even have a account with them the debit they say belongs to me in the amount of XXXX and XXXX and some change NEVER HAD THIS ACCOUNT and they REFUSE to remove this from my report and have YET to provide proof or debit BECAUSE THERE ISNT ANY! They just want to have someone to keep debt connected too! This needs to be removed it XXXX XXXX XXXX XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I submitted my first request to XXXX on Tue, XX/XX/year> regarding the incorrect medical billing. My annual physical exam is XXXX % covered as preventive under my insurance and XXXX kept contacting me for the payment despite my attempts to contact them with no response. XXXX has transferred the bill to Credit Collection Services as a debt collector.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
I. Look at my credit report I saw I have more than 13 inquiries that I dont know nothing of I saw people trying to get loan car loan and other things under my name

Company response to consumer: Closed with non-monetary relief