vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
Received a new master card debit card in the mail without ever applying for this card under the heading, Pennsylvania Way2Go Card. When I tried to contact the XXXX, listed on the back of the card have been asked to enter four digits of my social security number and date of birth to verify the account. I have been receiving child support benefits for the state but always in the form of direct deposit from the child support pa department and feel like my personal identity has been stole or will be stolen in the future. Please help me to investigate and uncover additional information about the origin of this fraudulent credit card. Thank you in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) XXXX XXXX XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted my bank customer service rep through my online banking messaging center. I inquired about getting several over draft fees waived that totals an amount of {$210.00}. I only receive one SSA check on the 3rd each month. I have previously had to request a refund for overdraft fees a few months ago as well and was granted, but this time I was not granted. I understand that I have overdrafted my account, but I also get charged excessive fees every week that my account is in overdraft because I never have additional funds to deposit due to being stuck on one monthly SSA check. My check gets deposited every month and it covers the full overdraft amount plus the excessive fees they charged on my account which puts it even more into overdraft. I barely ever have funds left over after my check pays for the full amount. The rep I messaged told me that I am not eligible, and that my account will be closed and charged off if I dont make a deposit. I let the rep know that it will be impossible to make a deposit as I dont have any additional funds to deposit until my next SSA check deposits into the account on the 3rd, and explained that if my account can get credited for the {$210.00} in overdraft fees, then my account will be back in the positive and would not need to be closed and charged off. The rep then said that she will forward it to a manager for further review and I will receive a call within 24 to 48 hours. I can not receive any calls right now due to not having enough funds to pay my cell phone bill after paying rent plus paying excessive overdraft fees out of my check. This should be illegal for people who only receives one small check every month. 

I received a message today, XX/XX/XXXX, from a case XXXX named XXXX XXXX from retail support saying that they have tried to call but was not able to reach me. Well I explained to customer service rep that my phoe service is off and will not be back on until XXXX XXXX when I receive my next check. I will not be able to contact anyone until then. In the meantime, all I ask is to refund the excessive fees back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
Milestone through Genesis FS card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from XXXX XXXX XXXX saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what Milestone asked and paid the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to file an official complaint against TransUnion for its failure to respond and take appropriate actions following my dispute letter. On [ Date ], I sent a letter to TransUnion to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ).

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that TransUnion has initiated an investigation or taken any appropriate actions.

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and TransUnion 's lack of response raises serious concerns about its commitment to regulatory adherence.

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that TransUnion be held accountable for its non-compliance with federal laws, and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect TransUnion to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting.

Enclosed, I am providing a copy of my original dispute letter and additional documentation, which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to file an official complaint against TransUnion for its failure to respond and take appropriate actions following my dispute letter. On [ Date ], I sent a letter to TransUnion to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ).

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that TransUnion has initiated an investigation or taken any appropriate actions.

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and TransUnion 's lack of response raises serious concerns about its commitment to regulatory adherence.

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that TransUnion be held accountable for its non-compliance with federal laws, and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect TransUnion to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting.

Enclosed, I am providing a copy of my original dispute letter and additional documentation, which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights.

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like 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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a mobile check using the Wells Fargo app for the amount of {$1400.00}. I then on XX/XX/2023, in error, accidentally deposited it at XXXX. XXXX. I get I messed that up and that's my fault. The double deposit cause XXXX. XXXX  to not cash the check and it was never credited to my XXXX XXXX account. Wells Fargo also pulled the funds and opened an investigation case # XXXX. After several days they indicated that they had the funds and would return the funds to the originating account and that I should reach out to the issuer. The issuer is my employer, XXXX XXXX XXXX and they are also a Wells Fargo client XXXX They have confirmed that Wells Fargo has not returned the funds to their account. 

I have called Wells Fargo several times and have gone in person several times to my local branch. My local banker, XXXX XXXX XXXX, has confirmed that XXXX has not had the funds returned, and had to spend several hours on the phone trying to get help. She was unable to and just went in circles with their phone help desk. The bank XXXX, XXXX XXXX XXXX, became frustrated with the telephone support and suggested they, the XXXX employee, file an escalated complaint. They did this on XX/XX/XXXX and I have not gotten anywhere. Compliant ID is XXXX. 

I am looking for help in some shape or form to get the money returned to my employer or to have it deposited back in my account. It's not a small amount of money and it's impacting my financially. I don't know what else to do. Any help or support is greatly appreciated.

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I never received my bill for XX/XX/2023 statement for {$480.00}. I was charged an interest of {$94.00} on the statement amount. I pay the bill on time every month. I asked the agent on XX/XX/2023 to mail me a paper copy of my statement and she refused. Only when I said that I was filing a complaint with the government did she say she would send me a paper copy but I don't believe her since I asked for a paper copy at least 3 times before that and she refused. I also asked for her to remove the interest payment since I make my payments every month and that amount was excessive and she refused. I am asking for the interest amount of {$94.00} to be removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief