vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously disputed the following inquiries from my TransUnion credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and XXXX XXXX XXXX!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with TransUnion however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX in XXXX  has deceptive billing practices. They hide charges and submit billing to collections without any balance owed showing on their online portal. I have screenshots showing I have no owed balance to this organization yet I am receiving notices of debt collection. The one picture that shows Pay as guest with a balance of {$25.00}, that is the only place where it shows a balance. When attempting to confirm with my account on their portal and website it shows no balance owed. I tried calling the organization to address this discrepancy but they were unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: OR

Complaint narrative:
My mortgage with US Bank was sold to XXXX XXXX. When I went to pay the XXXX XXXX payment there was a {$450.00} fee added to my payment. XXXX XXXX could only tell me that US Bank had charged a fee that I owed. US Bank said that it was legal fees related to a foreclosure from XXXX and XXXX. I have never made a late payment. They can't explain the reason for the fees. 

I have attached the email chain I received from US Bank saying that this is a common problem, and they don't know what the fee is for.

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 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, XXXX, XXXX, Experian This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. Portfolio recovery is being deceitful and not reported on credit file removal date. Assignment to collections does not restart XXXX  year reporting window. 

Thank you for your immediate attention to this matter. 

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 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my account was overdrawn due to a large check. The check was not written by me. I called the bank to file a claim and to freeze the account. Later in the day, I went to a branch to look into my options. At that time, I was informed that the check was printed at a branch and that I was a victim of identity theft. Upon inquiring about how a check could be printed off of my account at a branch, I was told that a person can come in with an ID and request it. I was charged a " Counter Fee '' for said printed checks. In order to speak to someone at the branch about my account, I had to provide an ID and a debit card ; however, a person was able to present a single form of identification to access the funds in my account. The same thing had apparently happened in XXXX of this year but Chase did not tell me about the " Counter Fee '' and how the checks were obtained. After the XXXX incident, I asked for alerts to be placed on my account and I was assured that all transactions would be scrutinized moving forward. During my XX/XX/XXXX visit at the branch, I found out that an alert had never been placed on my account and instead, I was being blamed for the fraud. The only option I was given was to close my account and create a new one so I asked if a letter could be provided to share with the merchants whose pending transactions were being rejected by the restricted account status ( this was per the request of one of the merchants with whom I had spoken earlier in the day ). I was told that they would not provide a letter. A different bank employee told me that I would get a letter at the conclusion of their investigation. On XX/XX/XXXX I was notified that the claim had been approved but as of XX/XX/XXXX, I still do not have funds returned to my account nor have I been provided a letter. 

In addition to the above, on XX/XX/XXXX when I realized the branch was not assisting me, I asked to close my accounts and I was denied. I was told that they were closed - though I was still in the bank. Instead of being helpful, they was condescending and rude and offered no support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-17 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: WI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: OK

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-17 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: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: OH

Complaint narrative:
I previously disputed the following inquiries from my XXXX credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and First Progress Card!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with XXXX however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2024 Inside the Branch, I made a cash deposit the machine returned the deposit to me minus {$500.00} and didn't accept my cash deposit. I immediately anxiously asked the gentleman in Home Loans for help. He was with a customer, I was persistent because the ATM machine kept {$500.00} of my cash deposit. He referred me to a counter clerk who eventually handed me off to a Manager. The bank couldn't open the ATM machine they needed to wait for a technician. Customer service returned {$500.00} to my account within XXXX hour. 

On XX/XX/2024 I noticed CHASE bank reversed {$500.00} from my account, immediately I knew it was the amount not calculated by the ATM machine. I opened my mail and noticed I received a letter recently Dated XX/XX/2024 removing {$500.00} from my account. 
I called customer service the first person I spoke with said nothing she can do complaint is closed. I spoke to her manager He said, third party owns the ATM not CHASE bank and the third party declined {$500.00} claim. I asked him to reopen my claim. 

Today XX/XX/2024 I went into the bank took pictures of the ATM machine to retrieve the serial number and any information on the unmarked ATM machine as in who owns the machine and who is managing my deposits. I spoke with the Manager on Duty XXXX XXXX. She clearly remembered me from my previous problem and she wasn't the manager that helped me on XX/XX/2024. Everyone in the bank, knew I had a problem with the ATM machine on XX/XX/2024. I asked the Manager on XXXX XXXX who owns the ATM machine the third party name. She checked with her managers and could not give out the information. I asked to reopen the claim and she called Customer Service and they declined to reopen the claim and the notes on my account stated I already spoke with a manager the day before and this case is closed and it was not closed the manager from the day before was reopening a claim. He didn't reopen anything. 
I recently called the number on the ATM machine I used inside the Branch and it is a CHASE customer service number XXXX not a third party. I asked when the Audit was done and by whom, on the ATM machine after I reported the {$500.00} that the machine didn't account for XXXX said, she can't give me any details that she is escalating the issue and I would need to wait for them to call me. I asked the name of the Escalation, XXXX said, " It's a group '' she's escalating it too. I had no idea a third party was responsible for my deposits and not CHASE Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Subject : Request for Investigation and Correction of Credit Report Information.

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX XXXX XXXXXXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went to the Citibank in XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX to make a withdrawal for XXXX and they said I couldnt get it. So I go into the branch the next day and they tell me my account close. My account number is XXXX and my and this is my Executive Response unit case number 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