vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an incorrect address for 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 2024-10-19 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2024-10-19 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:
I need help with my dispute reference number, XXXX, for XXXX XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department keep telling me different stories saying they still looking. They claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00}. I never received the refund from XXXX XXXX so please help me Do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00}. Update today I called XXXX asking about my dispute and they now told me on XX/XX/year> they was supposed to fully close it out now but not sure if that too not and send me a letter on the XX/XX/year> saying they completed the research and something like that etc and they also say I dont have to pay it back because Wells Fargo was supposed to refund them the money back on XX/XX/year> I want yall to call them and verify if that is true or not and send me proof of my balance being {$0.00} and upload it to cfbp portal and mail it to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and proof saying Wells Fargo credits it back to them or refund it back to them or pay it back to them and saying I dont have to pay nothing and my account wont be going to a debt collection agency and my account is {$0.00} and also contact How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ask him if I am going to get a check for {$800.00} still or not or if that is still true and when will I get it? Please add it to case cfbp XXXX and case cfbp XXXX and case cfbp 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 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, TransUnion. XXXX, XXXX, TransUnion has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-10-19 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: MI

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I called Synchrony Bank to pay off the balance of my credit card. I paid the amount specified on the day of the call. Although I am participating in 0 % interest promotion, they have been charging interest due to a paper statement charge that I did not request. Interest was charged on the XXXX the last few months but the day after that my credit card was paid, {$2.00} interest was charged on the XXXX. I still have until XXXX XXXX to participate in this promotion but due to the recent problems that I have had with this I requested paper statement charge and subsequent late fees, I have opted to pay the balance ahead of schedule and close my account. It is actins like charging interest after payment that I will no longer apply for another Synchrony card.

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 2024-10-19 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: CA

Complaint narrative:
Back in XXXX Trans Union XXXX XXXX and XXXX were reporting this XXXX XXXX XXXX account in collections with XXXX XXXX XXXX. 
It was disputed back then and removed. Recently XXXX XXXX bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as XXXX XXXX has now verified 3 times over. XXXX XXXX is intentionally manipulating crucial information, which has harmed my credit score. This is intentionally done and TU. XXXX and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all XXXX agencies once and for all. XXXX XXXX should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS XXXX XXXX  ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
( see attachment )

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 2024-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obliger or a credit issued to the obligor.

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 2024-10-19 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: AL

Complaint narrative:
On XXXX XXXX XXXX I made Trans union aware of the misleading and inaccurate collection account alleging a debt in the amount of {$320.00} they are reporting on my credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for Trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 USC 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Transunion has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 USC 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 USC 1681n.

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 2024-10-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I submitted a dispute for incorrect personal information and fraudulent accounts due to identity theft. For the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Inquiries associated : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I called repeatedly and was told that they would remove certain accounts at their discretion but provided no reasoning. I provided all documentation for this sensitive situation and have just been ignored and per the FCRA this credit bureau is violating the law. I have requested that the above accounts are removed immediately only to be ran around in circles and no resolution ot prove of any type of investigation. These accounts were not opened by me and they are hindering my life and Transunion is violating the law by allowing them toncontinue to report and remain in my credit account.

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 2024-10-19 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: SC

Complaint narrative:
On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice for Each Violation. 

Please remember the court cases **XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX ( XXXX Cir. XXXX ), **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and **XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) underscores the obligation of the credit bureaus to ensure maximum possible accuracy of consumer information and maintain along with following reasonable procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year>, I visit XXXX XXXX XXXX XXXX  branch for paying an utility bill. Then, I proceed to request to the teller, if I would be able to emit a payment to XXXX ( Electricity Company ), for the complete amount for my XXXX  chequing / savings account, and if I would not have problems with the payment, because in my XXXX XXXX XXXX an app for sending money instantly ) was displaying I did had full amount for doing that payment, from an receiving funds transaction. 

She replied that I would be able and would not have problems to emit the payment, but she did not verified, if in effect, funds where received by the usage of XXXX XXXX ( an " instant '' payment app. 

After that, the next working day ( XX/XX/year> ), I did observe a OD fee. 

As soon as the same day, I did call the bank, the reply me, I have to wait until transaction post. 

After, that transaction posted, from Customer Care, they request, I should visit or call XXXX XXXX XXXX to investigate that issue. From the branch, a customer service and sales representative told me to try to solve with Customer Care ( XXXX ). 

On XX/XX/year> I request an investigation in XXXX. 

On XX/XX/XXXX, XXXX XXXX  investigation, established, I should assume responsibility of the overdraft. Indeed, that letter was left by postman 14 days after, the letter was dated. 

I am against this charge, since always I configure a debit transaction ( ACH ) by myself, I always verify if I have enough funds or if funds where received. Why the branch teller did not tell me, I did not had enough funds to cover, the payment? And how their systems would allow to emit a payment from an account with NSF? If the teller would tell me, I would gladly deposit some money to cover that transaction. 

On the other hand, XXXX XXXX  shall express, that they as institution, would not process that day, after x hour, XXXX XXXX incoming funds. They have different frame time, would turn confusing to customer, especially, for those who are accustomed with Financial Institution, that would reflect instantly any incoming / outcoming XXXX XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized credit inquiries made by three financial institutions : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX all reporting on my Experian credit report, dated XX/XX/XXXX. These banks made hard inquiries on my Experian credit report without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs permissible purposes for credit inquiries. Under the FCRA, a creditor must have a legitimate purpose, such as my explicit authorization, a credit transaction initiated by me, or a court order, to access my credit report. I have not applied for credit or had any transactions with the aforementioned banks that would justify such inquiries. Their actions are in direct violation of my consumer rights. 

The following case law is relevant to my complaint : XXXX. Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - in this case, the Ninth circuit ruled that the Fair Credit Reporting Act does not allow for a credit inquiry without a permissible purpose. The court held that accessing a consumers credit report without explicit authorization or a valid credit-related reason is an FCRA violation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) - The XXXX XXXX ruled that companies that make unauthorized inquiries or do not have a valid reason for obtaining consumer reports can be held liable for violations of the FCRA, reinforcing the need for consent or a permissible purpose under 15 U.S.C. 1681b. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( C.D. XXXX. XXXX ) - This case reaffirmed that unauthorized inquiries into a consumers credit history violate the FCRA, and the consumer is entitled to statutory damages and other relief if the inquiry was made without consent or legitimate reason. 

These hard inquiries have negatively impacted my credit score, and I believe I am entitled to relief, including the removal of these unauthorized inquiries from my credit report and any statutory damages as provided under the FCRA. 

I am requesting that the CFPB Investigate this matter and hold these institutions accountable for their unauthorized actions and furthermore, remove and delete these inquiries off of my Experian credit report. Please provide me with updates on the investigation and let me know if any further information is needed. 

Thank you for your time and assistance in 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 2024-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXXXXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX  XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report

Company response to consumer: Closed with explanation