vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX, XXXX, I looked at my credit report, On XXXX XXXX I XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX sent a letter to EXPERIAN asking them to reinvestigate this Accounts : XXXX. ) XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. ) XXXX Acct XXXX : XXXX On XXXX XXXX ( EXPERIAN sent me back their investigation and said these accounts are complete and accurate. ) AS OF TODAY, XXXX XXXX, I looked at my report and notice these accounts are still the same!!! 

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 APPROPIATE, BASED OF THE RESULTS OF THE INVESTIGATION ; AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFO HAS BEEN DELETED OR MODIFIED FROM THE FILE OF THE CONSUMER. 

AND ACCORDING TO 15 USC 1681eb THEY ARE SUPPOSE TO ENSURE THIS ( b ) ACCURACY OF REPORT. 
WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL.. FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

AND ACCORDING TO 15 USC 1681 s-2 THIS OS SUPPOSE TO HAPPEN ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. 

A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE '' THAT THE INFORMATION IS INACCURATE. 

( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS. 
A PERSON SHALL NOT FURNISH INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF- ( i ) THE PERSON HAS BEEN NOTIFIED BY THE CONSUMER, AT THE ADRESS SPECIFIED BY THE PERSON FOR SUCH NOTICES, THAT SPECIFIC INFORMATION IS INACCURATE ; AND ( ii ) THE INFORMATION IS, IN FACT, INACCURATE. 

EXPERIAN really DID NOT reinvestigate. THEY LIED ON AN OFFICIAL DOCUMENT SAYING THEY DID SOMETHING THEY DID NOT ACTUAL DO AND I HAVE ENOUGH EVIDENCE TO PROVE MY CASE.

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 2024-02-28 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: CA

Complaint narrative:
I am submitting a complaint against Experian to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted disputes to Experian using their Document Upload Form, requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my repeated attempts to dispute these inaccuracies, I have not received any response from Experian regarding the investigation results. This lack of response is a direct violation of my rights under the Fair Credit Reporting Act. 

Under the FCRA, credit bureaus like Experian are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. Experian 's failure to respond and conduct a reasonable investigation upon receipt of my disputes demonstrates their disregard for their obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Entrata Inc.
State: CA

Complaint narrative:
Issue : - I applied to lease an apartment at XXXX XXXX in XXXX CA. 

- The apartment complex uses a third party company called Entrata Resident Verify to verify income.

- I submitted an application online including a {$300.00} security deposit - The Entrata verification process asked that I provide my username and password to my bank accounts so they could look at my account.

- I tried to comply but my bank 's security rejected a third party website gain access to my account ( Note : I contacted my bank afterwards and they told that as a security precaution, I shouldn't allow third parties access to my account ).

- Entrata subsequently rejected my application, and the apartment complex informed me as such.

- As an alternative, the apartment complex asked me if I could print out the last XXXX months of my bank statements they could manually verify income. 

- Entrata rejected this as well. Note : My income and credit score are far in excess of what it would take to rent the apartment, so I know neither were the issue. The issue here is simply the fact that Entrata resident verify use a process that appears to discriminate against applicants whose banks don't allow third party websites to access their account information.

- I would like Entrata to contact me and verify that I am qualified to rent the apartment, or if no longer available, a similar one at a similar price at the same location. I would also like Entrata to explain to me why printed out copies of my bank statements, work income verification statements, and credit score were not sufficient given that they provided overwhelming evidence I am more than qualified to rent the apartment.

Specifics : The original application was made on XX/XX/XXXX at XXXX XXXX in XXXX XXXX CA and a second application ( with hard copy printouts of bank account information ) was made on XXXX XXXX. I have contacted both the company that owns the XXXX XXXX  XXXX  ( called the XXXX XXXX ) and the third party vender Entrata Resident Verify, and neither have responded. 

Any help appreciated Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We hosted a conference at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The final bill, of {$31000.00} was presented to us through email starting XXXX XXXX XXXX  Our point of contact at XXXX XXXX XXXX sent an email stating the hotel was transitioning to ACH/wire system. We followed the directions sent to us and processed the payment through ouXXXX XXXX XXXX  XXXX account on XX/XX/scrub>XX/XX/XXXX. I received another email on XX/XX/XXXX asking whether the funds had been sent. Due to a holiday weekend we agreed to give it a day to process. I shared confirmation # that the funds went to the XXXX XXXX resort per instructions. Further investigation led to the funds being sent to a TDBank account under the XXXX XXXX XXXX name. Our point of contact at The XXXX XXXX stated they do not use TDBank, which lead us to report the incident to our XXXX  XXXX XXXX fraud department. It has been 148 days since the investigation has started and we have yet to receive a response from TDBank or the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX continues to sell this outrageous debt amount of XXXX that they claim I owe to various collections agencies over the past XXXX years. ( to date they have sold to over XXXX different collection companies ) After numerous credit disputes as well as credit removals from reports and phone calls with direct XXXX representatives to stop selling this bogus contract to collection agencies I finally had no reporting of collections for almost XXXX years until now. I just saw again for the XXXX XXXX time a New Collection agency name Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX number is XXXX in my collection section reporting that I open this account with them XX/XX/year> for the debt amount of XXXX, XXXX on behalf of XXXX debt purchase. I as a Consumer again for the XXXX plus times did no such thing nor authorize any such purchases with XXXX amounting to XXXX, XXXX. I don't know nor recognize said collection agency or created such said amount requested by the collection agency on behalf of XXXX. They have falsely reported this on XXXX major credit reporting agencies as of XX/XX/year> XXXX, XXXX, and XXXX credit reporting agencies and it needs to be cease, dismissed and removed from my consumer credit reports expeditiously because this bogus collection is affecting my ability to obtain shelter for my family including myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As a victim of identity theft, it was bought to my knowledge that several accounts with navy federal has been opened fraudulently. I made a police report and reported theres fraudulent transactions to the federal trade commission. A federal trade commission affidavit was made as well. I reached out to Navy Federal and I also reached out to third-party companies that was reporting this information after doing disputes with XXXX XXXX , Navy Federal , XXXX XXXX XXXX and all of my disputes came back, validated. None of these companies sent me any information, explaining how the account was validated. There is a navy federal account and XXXX navy federal credit cards that was took it out in my name. Navy federal credit card open May 2019 with a balance of {$28000.00} another navy federal credit card that was open XXXX with a balance of {$5100.00}. Another Navy Federal credit car open XX/XX/XXXX with the balance of {$21000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of 2023, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of 2023, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.

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 2024-02-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA 's regulatory complaints department call and left an inaudible message as a feigned attempt to resolve a previously submitted CFPB complaint. The message is not audible. They did not send an email so there is no way to reply to the call. I called and emailed to try to get the information but have been stone walled. 

BOA refused to send me a proof of payment letter for XX/XX/XXXX {$120.00} payment to XXXX. Instead they faxed me some nonsense that does not expressly verify proof of payment and now they refuse to audibly communicate.

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Avoided check XXXX XXXX XXXX XXXX XXXX Submitted check to set up auto debit I find this to be form of misconduct throughout Wells Fargo check was cashed as payment no payment was due premium of {$32.00} per month for XXXX XXXX XXXX XXXXXXXX XXXX I believe this to be a fraudulent act of crime my account is excessively overdrawn with these I have patiently awaited a resolution it is now up to {$83.00} time frame has existed there is not a extended line of credit offers I can not understand why? Maybe also an act of misconduct through the insurance agency itself with 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 monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had 3 unauthorized charges made using my prepaid debit card, Comdata Card Number : XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX. The charges were for {$160.00} made on XX/XX/XXXX to XXXX XXXX, {$54.00} to XXXX made on XX/XX/XXXX, and {$33.00} made to XXXX on XX/XX/XXXX. I reported all of these charges as unauthorized and said I wanted to file disputes on XX/XX/XXXX. I also reported my card as having been hacked/compromised. During the next 6 days someone tried to use it to make online purchases and additional 29 times. They took the information and said they would investigate and to call back in 7 days. I called back on XX/XX/XXXX and was told that the charges on my card hadn't cleared yet so no dispute was on file yet. I said I wanted the disputes filed and they told me that this would take an additional 21 days to investigate. Today I received 2 emails for the XXXX, which I am pasting below, stating that 2 XXXX purchases are being investigated and will take 45-90 days. No word on the 3rd disputed charge.

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 2024-02-28 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been using rental sites to find an apartment. We are moving from XXXX to XXXX XXXX. I inquired about an apartment on XXXX and was emailed by an agent named XXXX XXXX on XX/XX/XXXX. He said he was a private renter and sent us the information on the apartment we were interested. After sending all the necessary information/docs we were told we were approved and to send a deposit of {$1700.00} to ensure wed have the apartment. We were sent contracts and agreement forms that were equally signed. After sending the deposit and receiving a receipt on XX/XX/XXXX, XXXX then asked us for more money, before actually getting the apartment or keys. He said the landlord wanted all the funds, when that was not in the original email or contract signed. When we said we wouldnt send more he said he would cancel the arrangement and send the money back. He said it would take up to 7 business after completing a dispute form to process the return. After 5 business days I tried contacting XXXX again on XX/XX/XXXX, but it now says his phone is unavailable. The listing has also been removed from XXXX. I have reported this to XXXX and the federal trade commission.

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