vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Timely payments on this account have always been a priority, avoiding any occurrences of overdue status. I'm uncertain about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections must be made.

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 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased 2 items from XXXX  XXXX. They refunded 1 item {$350.00} XX/XX/XXXX. And 2nd item they said they were going to issue refund XX/XX/XXXX so I close 1 PayPal case on XX/XX/XXXX it will take 5 days. I reopen PayPal case for 2nd item as refund of {$370.00} never was credited to my PayPal account. XX/XX/XXXX PayPal send me and email said payment was credited but where I don't see it on my PayPal account. And vendor said they can't credited 2nd payment until I cancel charge back dispute? I reopen PayPal 2nd dispute due to no refund issue by vendor.

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 2024-04-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo XX/XX/23 after seeing some unauthorized charges to my account and immediately turned off my card. I was unaware of all the charges made as no alert was sent to me. Once the report was made and new card was sent I was told I would have a response by 10 business days. I called Wells Fargo on the 10th day. Once I called I was informed those charges were made by me that I had put the PIN number for all the purchases. I did not make any purchases and no one has my card info. Im sure thats not the case or otherwise the transactions wouldnt go thru. I had not used the card physically only thru XXXX XXXX. I had no idea my card was missing until I was going to purchase the ticket back home and noticed I didnt have the card. I didnt use the card nor did I do those purchases. They also mentioned about me finding the expenses. Of course there is money going into the account, I have direct deposit from VA going in monthly, thats why this account was opened to have DD made.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made a purchase for XXXX to XXXX XXXX and the same day I requested a refund for the XXXX with no results. In 2 weeks XXXX XXXX got 3 payments XXXX, XXXX then credit card doubled my credit card limit from XXXX to XXXX and sent to XXXX XXXX XXXX all cash and they do not know where or to whom all in 2 weeks. I got y credit card statement and call credit co. and they never did anything about the money and I had to pay it XXXX For a year plus I tried to contact both scammer and credit card co. . I got no reply from scammer and card did nothing. that credit card stop calling after I said I am not paying that was years ago. I found out when my credit score went from XXXX to XXXX ruined my faineances and still is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: DISCOVER BANK
State: SC

Complaint narrative:
Unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instruction 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.

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 2024-04-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My business account with Chase was reported late pay on my PERSONAL credit report. I have disputed this with XXXX, however the Business Account stays on my Personal report. 

Product : Chase Business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called the creditor ( XXXX  ) about false reporting late payment on XX/XX/2023. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account [ XXXX ending on XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
A family member got a hold of my debit card, then used it to make fraudulent deposits and turn around and take the money out. I live in one county of XXXX and my card was used in another county in XXXX. I made police reports in both counties. Where I live for theft of my card from my home and the other for the fraud. I called the bank immediately and gave them this info on several occasions. I was told on a couple occasions that they did not have this info ( again after giving info on several occasions ), I was told that the dispute had been closed and when I mentioned that the detective in charge of the investigation has even gotten the run around from them and that he was submitting a subpoena then I got people that were nicer but, still did not help me. Was told on several occasions that I would get a call back from the investigator and never got a call back. After about 6-7 weeks of trying to get ahold of the investigator on my dispute, I have been told that they received the subpoena and that this is now in the hands of the legal dept but, there is no number that they could give me to call and speak to this XXXX in the legal dept. The investigator is going to reach out and I should supposedly get a call back in 24-48 hours but, I won't hold my breath because they have told me this about 20 times already and I NEVER get a call back. This bank is ridiculous. Legally stealing from hard working people. They may do it legally but, it is still stealing. I know that they owe tons of money for some XXXX  XXXX, doesn't give them the right to take my money. If they would have even done the slightest of investigating and spoke to the XXXX Police, they would have known that I had nothing to do with this fraud and would have had to give me my money back already!! They are ridiculous. Anyway, please contact me if you are needing any further info in regard to this.

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 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi
State: MI

Complaint narrative:
I made a payment from my personal checking of {$650.00} direct to DigniFi which left my acct on XX/XX/XXXX and showed paid out of my acct on XXXX. I also sent an additional payment of {$170.00} using DigniFi 's website on XXXX. The payment of {$170.00} has been credited. The {$650.00} has not been. I talked to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I emailed Proof of Payment on XX/XX/XXXX. When I talked to them on XX/XX/XXXX, they said they found the payment and it would be credited. To date, it has not been. Moreover, when I called today XX/XX/XXXX and talked to XXXX he said he can't even find my account. I feel this company is withholding payment application on my account in order to bump up interest collection. And, I have not received a billing statement for XX/XX/XXXX ( payment due on the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
I just got some collection added to my consumer report without receiving any letter for me to challenge the debt, verify or validate the debt. They just went and add the collection to my consumer report. I am applied for a mortgage and I was not approved for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is outrageous! Despite my repeated attempts to rectify the inaccuracies on my credit report, the errors persist unchecked. It's unacceptable that my creditworthiness continues to suffer due to these unresolved issues. I demand immediate action to correct these errors and restore the accuracy of 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 2024-04-19 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: FL

Complaint narrative:
I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

XXXX TypeBalance XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX TypeBalance XXXX XXXX OpenedXXXX XXXX  XXXX XXXX XXXX Type ClosedXXXX XXXX  XXXX XXXX XXXXXXXX XXXX TypeBalance XXXX XXXXXXXX XXXX XXXX XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX openedXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced ( XXXX ) currently being pursued by your agency. Upon review of your communications and actions regarding this debt, it has become apparent that you are in violation of several federal regulations, namely 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations, including the false representation of the character, amount, or legal status of any debt. Your agency has failed to provide adequate documentation validating the debt in question, despite my previous requests for verification. This lack of verification raises serious concerns about the accuracy and validity of your claims.

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) mandates that debt collectors must provide consumers with a validation notice containing specific info
rmation about the debt within five days of their initial communication. To date, I have not received any such validation notice from your agency, thereby violating this regulation.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to cease collection activities until they have provided consumers with verification of the debt upon request. Despite my repeated requests for verification, your agency has continued its collection efforts without providing any substantiation of the debt 's validity.

Finally, under 15 USC 1681-S2 ( 7 ) ( A ), debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. Your persistent attempts to collect on an unverified debt, coupled with your failure to comply with federal regulations regarding debt validation, constitute unfair and unconscionable practices. 
In light of these violations, I demand that you immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until such time as you can provide valid verification of the debt in accordance with federal law. 
Furthermore, I expect your agency to provide written confirmation that all collection efforts have ceased and that the debt will no longer be pursued until proper validation is provided. Failure to comply with these demands will leave me with no choice but to pursue legal action to enforce my rights under the law. 
Please consider this letter as formal notice of my dispute and request for validation of the debt. I expect a prompt and appropriate response within 30 days from the date of this letter. 
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 2024-04-19 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: GA

Complaint narrative:
XXXX XXXX XXXX has reported an account to my consumer report that is in fact income and not a debt. I have proof in the attached screen shot from my ACCEPTED IRS 1099c form. I am requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is a debt and not income. Income is not reported on a consumer 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported 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