vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Yesterday, I ran billing, and authorize.net sent XXXX to my account at Wells Fargo . Usually, the funds are available in the morning. However, this morning, the funds were missing. I called Wells Fargo and was advised they were holding my funds for XXXX hours due to some unspecified fee they could not collect last month. I advised that if that was so, they should deduct the fee and release the rest of my funds. They refused to do so, causing me major overdraft issues. This is not the first time Wells Fargo has done this. I have noted that they deliberately hold funds to cause overdrafts on the account!! The account does not have an overdraft allowance, but they keep allowing stuff to post against my account, causing overdrafts. The are rated the worst bank in America, yet they are still in business!!!

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 2024-05-29 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX months ago, I found a company on my credit report that said I had a loan with them for XXXX. They said the first payment was never made. Their name is Affirm Inc. the tarted account was opened on XX/XX/24. I did call them at first, but when they wanted personal information to access my account, I did not like that because that could have given them information that they did not have and could possibly use against me. I told them all I wanted was proof of this account and I would pay it off. I am retired and do not need to borrow any money. I contacted XXXX to dispute this. They contacted me and it was a good account and could not remove it. I then filed a fraud alert on this with XXXX and asked them to get proof that I am on this account. They said they checked again, but never was able to get or give me any proof or remove. To my knowledge, I do not know them or owe them anything and want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted TransUnion rental screening solutions to dispute an eviction showing on my rental screening file that never occurred. I requested the source of the information after I went to the city court where the alleged filing occurred only to be told by the clerk there was no record of the filings. I provided my name and the case number provided by TransUnion rental screening solutions and there were no records found. I also looked up the cases myself via XXXX XXXX XXXX XXXX XXXX and no records for the alleged cases are found. The records on the courts site date back to XXXX which means the case allegedly filed between XXXX and XXXX should appear. 

TransUnion contacted me via email on XX/XX/XXXX to state the information was verified as accurate however ; the source of this information was not provided. If the source is not the court where the alleged filing occurred, then where is this information coming from? This is again, what TransUnion was recently sued and fined for on XX/XX/XXXX and to date, the practices continue. I am considering filing a law suit as this false information has cost me money and opportunities for better housing for my family.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed the problem in XX/XX/XXXX Hard Inquires XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This account needs to be validated DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am now requesting proof of the previous investigation. Im asking that you send your method of investgation along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to PAID/NEVER Late and send me a copy of my updated credit report. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX never any days Late XX/XX/XXXX This account is showing that I was 30 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months XXXX XXXX XXXX Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months therefore all reported deliquency needs to be updated and all lates be removed immediatley. This is a clear FCRA violation and a violation of my rights I need these accounts to report paid as agreed never late. I have provided copy of my most credit report that I received. Please update immediately because this is effecting and harming my opportunity to make home purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a gift card with an expiration date 2 months from when I received it. I never got a chance to register or use the card. I called the number on the back and spoke with a customer service rep named XXXX. She said I had to contact the distributor of the card XXXX, not answering when I asked why the number on the back of the card went to her and not this other company. She did not give me a number or connect me with them. Whats the point of customer service if they dont help with issue I was calling about?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: VA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-29 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: GA

Complaint narrative:
I have sent updated personal information to experian, transunion, XXXX, about this address being reported inaccuracies like this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this address. Please delete this address from all Credit reports. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX  account # XXXX ( never been late, delete now. ) XXXX ) Affirm lnc. Account # XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX XXXX credit account # XXXX ( inaccurate reporting, delete it now. )

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent updated personal information to experian, XXXX, equifax, about this address being reported inaccuracies like this ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. ) I have never lived at this address. Please delete this address from all Credit reports. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX Retailer account # XXXX XXXX ( inaccurate reporting, delete it now. ) XXXX ) XXXX XXXX account # XXXX ( never been late, delete now. ) XXXX XXXX XXXX XXXX Account # XXXX ( inaccurate reporting, delete it now. ) XXXX XXXX XXXX XXXX XXXX account # XXXX ( inaccurate reporting, delete it now. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX {$600.00} late fees XXXX XXXX  % interest XXXX credit XXXX  % interest XXXX  XXXX XXXX  % interest XXXX XXXX XXXX  % interest XXXX XXXX XXXX  % interest I called. No one that I spoke with is allowed to lower the interest rates.

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 2024-05-29 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: TX

Complaint narrative:
There is a List of accounts below that violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX and XXXX Account # XXXX has violated my rights.

I was checking my credit because im in the process of looking for home to purchase. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. I know according to the Fair Credit Reporting Act when 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 according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5, theyre supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 15 USC 1681s-2, they arent supposed to 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. These items are negatively affecting my ability to purchase a home I need them removed ASAP please help.

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 2024-05-29 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: LEXISNEXIS
State: CA

Complaint narrative:
So Im writing to your agency based on the fact that you have furnished a bankruptcy on my report without my permission. I know that you pulled the information from PACER but yet youre stating that the furnisher is the US Bankruptcy Court when we know that thats not true because courts nor the PACER system communicate with consumer reporting agencies, and I have proof of that.

The sharing of information without my expressed written consent is identity theft. The federal laws that back me up are as follows : I never provided Lexis Nexis with written permission to report any account which is inclusive of all the data you have mined from different databases, especially this bankruptcy. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). So what does that say ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

We know that the definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

That means if I did not provide Lexis Nexis with consent to share my credit card ( ID, SSN ) with another entity those being XXXX, XXXX, and XXXX, then this is a violation of 15 U.S. Code 1681c-2.

This federal law states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

See all four ( 4 ) items attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX To whom it may concern : I received a statement for a XXXX account associated with my name of XXXX XXXX. I believe this account is associated with my grandmother XXXX XXXX with a previous address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not have XXXX and never have had an account with XXXX. My grandmother and father had an account about 2 years ago with XXXX, but my father passed away XXXX XXXX XXXX and my grandmother is in a XXXX XXXX XXXX XXXX located in XXXX XXXX 

I have received multiple statements for this bill of {$3000.00} and this is likely linked to my grandmother with a social ending in XXXX. I have no clue about this bill and do not have an address of XXXX XXXX XXXX XXXX XXXX XXXX as this was my XXXX previous address. 

Like I stated she is in a XXXXXXXX XXXXe and does not know anyone or anything due to the multiple illnesses that she has. She is a XXXX XXXX XXXX XXXX XXXX XXXX I am asking to have proof of signatures of my grandmother ( XXXX XXXX XXXX or of mine XXXX XXXX from XXXX showing we signed up for an account of something with XXXX. I have always had XXXX XXXX XXXX but know that my grandmother had XXXX at some point. I am not liable or responsible for this bill or statement. 

I would like signatures from this account showing that we signed an agreement. If you can not provide this information, please close this account as for myself this is invalid, and my grandmother can not pay this bill as her XXXX XXXX goes to paying the XXXX XXXX 

The company website will not allow me to submit a dispute and I tried many ways online as they state in the letter. No option to select dispute reason and can not type enough information to explain anything to this company. Please see attached screenshots. 

Please respond within 30 days or remove my name from this account. You contact me at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your time and please review. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a call with Equifax in order to call to Freeze my credit due to me being a potential victim of Identity fraud. They had told me that they never had a record of credit history with me, and when I tried to make an account with them online, I was unable to as the " information '' I had put to register for an account ( SSN, DOB, Name, Address ) was wrong. I had called them and they told me to Fax my information to them, but I went digging and checked on my annualcredit history and saw that Equifax had put the wrong address for me, meaning that I never had " credit history '' with them because to them, I never existed. I had disputed on XX/XX/XXXX this and the dispute went successfully but I still do not have an accurate reading of my credit history and it even says that the information currently on their website they can't access/is temporarily disabled. I had called them again on XX/XX/XXXX and XX/XX/XXXX but they did not have anyone pick up or left me in queue for a really long time before ending the call. XXXX and XXXX have an accurate credit history with me but Equifax refuses and continues to refuse to give me an accurate Credit history which in turns affects me taking out loans or even getting a card ( They even declined me in some instances ), Equifax is utterly incompetent and I request my credit history to show an accurate credit as I have had my XXXX card since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
Continue to call and leave messages to call back not stating who they are or what they want. When answering they ask for personal information before stating who they are or anything

Company response to consumer: Closed with explanation