vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please add this to my complaint XXXX CFPB My name is XXXX XXXX I have disputed two payments today under case number XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX 10 business days to take for not receiving service but I dont know if it was filled and can yall verify it was disputed if not dispute both payments for me ref # XXXX {$100.00} and ref # XXXX {$100.00} both happen on XX/XX/24 when yall dispute both of them send me proof thanks contact me at XXXX etc.

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 2024-06-11 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: UT

Complaint narrative:
sometime on XX/XX/year> i tried to gain access to my chime account on my phone as i usually do a few times a day probably for the last 4+ years. and was told that i needed to contact chime because they put a hold on gaining access and my cards were already cancelled due to someone trying to use my card im not even sure where. then they tried again different location at a later day is when they put a hold. i immediately asked them what i needed to do and spent the next 3 hours trying to get verified. i provided copies of id as requested as was told they would not accept that id because i did not have physical posession. I still did have that id was just left in a bag that took a trip across country andf i explained this several times to no success. so immediately i made appt for my local state drivers license bureau for my state id and went on XX/XX/year> and immediately returned with my new temporary legally issued state of utah ID card. upon trying to get reverified was told that my real id they would not accept before but also wont accept this paper id? a legal valid state issued id is not good enough for chime bank? these people are a disgrace and should be fined and fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: FL

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 2024-06-11 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:
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 2024-06-11 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my accountto be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SD

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/year>, my Chime account was randomly closed without warning. The last action I made was making a transaction moving {$800.00} from my saving account to my checking account which left {$5000.00} remaining in my savings account. Then transferred {$700.00} of the $ XXXX ( I dont remember the exact amount ) to Cash App because my cards are inactive because I was having random fraud transactions happening, so I requested new cards. I disputed like two transactions that I was refunded for like a week or two ago. But my account has been closed randomly, and I dont understand whats going on. I just want my money refunded out of the account. This happened to me in XXXX after making groceries for the family just imagine how embarrassing that was. Now Im going to have to borrow money until this is solved, and I really dont want to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clunk Hoose Co., LPA
State: OH

Complaint narrative:
I received a response to my Attorney General dispute and within the letter this office makes the false claim that XXXX XXXX made payments for several years. She has not made a single payment on this property for nearly two decades. There is not a way possible you can provide any payment on the account. In fact, XXXX XXXX 's online website I have accessed shows they kept applying XXXX forbearance requests over and over. At no point does it show my daughter made a single payment. 

Furthermore, my daughter has a debilitating XXXX  XXXX and is in daily treatment. You can view my claims as baseless all you wish, but you can not find one single payment made by her and your clients own records show not a single payment has been made by XXXX XXXX XXXX XXXX All letters generated by XXXX XXXX show payments " deferred '' or " forborne '' using XXXX funds. No bank account information is in this portal, no payment notices, etc exist - because she never made any payments on this account. 

Furthermore, you do not address that the loan modification is not notarized by either my daughter or XXXX XXXX  showing " acceptance '' of this loan modification. 

If this matter is not resolved within the next ten ( 10 ) business days, a lawsuit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had some fraudulent charges to my checking account, someone started using my debit card numbers in another state. The card was canceled and the bank sent a new debit card, the same thing has happened a total of four times. Most recently, I did not even use the new card and someone tried using it. The only people that knew the debit card numbers were the bank and me. All the fraudulent charges were made in the same city and state, and some charges at the same store.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts. 

XXXX : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Balance unverifiable REQUESTED ACTION : I can not verify the balance on this account. Plese send me verification. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Payment History is not reflecting proper Closed ( CLS ) status in the month the account was closed. 
REQUESTED ACTION : Please update to reflect proper CLS status in the correct month the account was closed. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : Dept EDXXXX ( {$4100.00} ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. 

Furnisher : Dept EDXXXX ( XXXX ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA.

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 2024-06-11 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: DC

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii is holding my money XXXX. They are charging me XXXX basis points on {$270000.00} = {$680.00} to release the funds they have collected for real property tax and hazard insurance premium which I should NOT have been charged to begin with because I put down 50 % of the price of the home. 

My credit score is above XXXX and therefore this should not have been charged with the mortgage. 

Please help me with Bank of Hawaii to release the funds they have collected so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-11 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 2024-06-11 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 recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/year>. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: NM

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