vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES 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 2024-07-31 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: GA

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX XXXX XXXX XXXX on behalf of the original creditor, XXXX, on my credit reports with XXXX, Equifax, and XXXX. The issue began on XX/XX/XXXX, when the account was first assigned to XXXX XXXX XXXX XXXX XXXX. 

Detailed Description of the Issue : Inaccurate Reporting : Date Reported : XX/XX/XXXX Balance Owed : {$360.00} Status : The account is being reported as unpaid and {$360.00} past due as of XX/XX/XXXX. 
Steps Taken to Resolve : XX/XX/XXXX : The account was assigned to XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : The balance was reported as {$360.00} past due. 
Dispute Letters Sent : Date : On XX/XX/XXXX, I sent a dispute letter to XXXX requesting verification and correction of the account status and balance. I provided proof of payment showing the debt was settled in full. 
Date : On XX/XX/XXXX, I sent a similar dispute letter to Equifax, including the same documentation. 
Date : On XX/XX/XXXX, I sent a dispute letter to XXXX with the same details and proof. 
Despite providing clear evidence that the debt was paid in full with the original creditor XXXX, the credit bureaus did not correct the inaccurate information. 

Actions Taken by the Company : XXXX XXXX XXXX XXXX XXXX has continued to report the debt as unpaid and past due, despite receiving payment confirmation. 
The credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes. 
Impact and Request for XXXX : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have an unpaid debt, which is not the case. 

Request for Resolution : I request that the CFPB assist in : Verifying the information with the original creditor, XXXX, and XXXX XXXX XXXX XXXX XXXX. 
Correcting the account status to reflect that the debt has been paid in full. 
Removing any reference to the debt being past due from my credit reports with XXXX, Equifax, and XXXX. 
Thank you for your assistance in resolving this matter. I look forward to a prompt and accurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to get a loan. My personal information was stolen. The bank never told anything about Mobil checks was being deposited and taken out by the Scammers. They did about XXXX of my money out. I had to call and find out. Wells Fargo bank never tried to help me. Kept talking about I did this I told them I dont do mobile Deposit. They refused to try and help me. So that is why I am filing a complaint. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NC

Complaint narrative:
Credit Reporting Act ( FCRA ). Under the FCRA, specifically in Section 605B, consumers have the right to block fraudulent information from their credit reports. If you are a victim of identity theft, you can take the following steps to have fraudulent inquiries removed from your credit report : I never inquired about vehicle finance with these companies, and I dont have a auto loan XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023

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 2024-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Capital One stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from Capital One, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for XXXX, XXXX, and XXXX. The hard inquiry is listed on all three reports. 

I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX, XXXX, MI XXXX Case Number : XXXX Please remove inaccurate reported late payments update to paid as agreed I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory dost of {$1000.00}, as specified in 15 U.S.C 1692k. 
XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance XXXX. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance XXXX. Failing to comply with 15 USC 1692 ( g ) XXXX. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification XXXX. Violations under 15 USC 1681 a ( 4 ) right to privacy XXXX. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely,

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent multiple letters to Experian, informing them that my account contains unauthorized and incorrect information. Despite exceeding their response time limit, I have yet to receive any information addressing my concerns. 

These are the accounts at which I am stating. 

Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX I have no knowledge of these accounts, and have stated that in letters several time. Ive yet to get a response or resolution for these issues.

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Yes I spoke to manager that calledme a male with accent an he asked will I be making deposits like I previously did last two months ago. I agreed an he said ok he'll keep the account open an recently I was approved for {$500.00} to cover past balances an the bank altered my account first online with enrollment fraud then blocked access during loan verify then closed it an called twice blaming me. I like the account recovery with a {$3000.00} settlement for the trouble. An they wanted me to sell My falsy imprisoned brother XXXX XXXX for a {$3000.00} loan I got denied for as a result. I dont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: MA

Complaint narrative:
Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/year>. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.

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 2024-07-31 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: NJ

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-07-31 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: MD

Complaint narrative:
I am writing to follow up on my ongoing complaint against Experian ( Complaint # XXXX & XXXX ) and to provide additional information regarding Experian 's continued violations of the Fair Credit Reporting Act ( FCRA ) and the resulting harm to my financial well-being and household. 

Despite my previous dispute and request for deletion of inaccurate addresses from my credit report, Experian has failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Instead, they appear to have simply added the disputed items to my credit file without properly investigating their accuracy. 

Furthermore, Experian has not deleted the inaccurate information from my report, in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires them to promptly remove any information found to be inaccurate, incomplete, or unverifiable after a reinvestigation. 

Experian has also failed to provide me with notice of the results of their reinvestigation and an updated credit report, as mandated by FC RA 1681i ( a ) ( 6 ). As a result of Experian 's continued reporting of inaccurate information, I have suffered substantial actual damages. I was recently denied credit by XXXX XXXX XXXX for a personal finance loan through XXXXXXXX XXXX, with the adverse action notice specifically citing information from my Experian report as the reason for the denial ( see attached ). 

Moreover, I have been denied employment opportunities based on my Experian credit report, further compounding the financial harm to myself and my household as a single parent. 

I am requesting that the CFPB take prompt action to enforce Experian 's compliance with the FCRA, including : XXXX. Directing Experian to conduct a reasonable reinvestigation of the disputed addresses and delete any information found to be inaccurate, incomplete, or unverifiable. 

XXXX. Requiring Experian to provide me with written notice of the results of the reinvestigation and an updated copy of my credit report reflecting the deletions. 

XXXX. Compelling Experian to compensate me for the actual damages suffered as a result of their FCRA violations, including the denial of credit, loss of employment opportunities, and the associated financial and emotional harm. 

Thank you for your attention to this matter. I appreciate the CFPB 's assistance in holding Experian accountable for their ongoing FCRA violations and ensuring the accuracy and integrity of my credit report. 

Attachments : XXXX. Adverse Action Notice from XXXX XXXX XXXX XXXX 
XXXX. Address Dispute Letter to Experian

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 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I opened a dispute on XX/XX/year> with claim number XXXX for an item I returned but did not get the refund. I provided a tracking number to chase but my claim was originally denied. I was told I needed to provide more proof. I then uploaded a screen shot of the tracking page showing delivered and the tracking label they company provided me. All proof indicates item was delivered and they still denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
XXXX I called in to National Bank of Arizona ( subsidiary of Zions Bancorp . ) in regards to a notice dated XX/XX/year>, that we received in the mail regarding a fee change to our checking account ( see attached ). 
-Starting XX/XX/year>, the bank was going to start charging for a feature ( viewing check images ) that was originally free. I called on XX/XX/year> to unenroll the account from this feature, to ensure we were not charged this fee. 
-The customer service rep. set expectations that it may take up to two billing cycles for the feature to be turned off, in which I asked " would we still be charged the fee, even thought the account is unenrolled from the feature '' and she said YES. 
-I logically explained how that penalizes depositors who unenroll in a timely fashion, just because it takes the Bank 2 billing cycles to complete something.

-Escalated this to a manager, " XXXX XXXX '' who said well if you get billed a fee, call in and we can do a one-time courtesy reversal. I then inquired about other unenrolled clients, who still get charged a fee, don't see it, and don't call in for a reversal ... does the bank just keep the fee? 
-She could not give me answer about what they were going to do with the fee charged post unenrollment. I recommended she speaks with her compliance department so they can rectify the charging of the fee before it happens.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I havent sent in supporting documents along with my id and social security card to these credit reporting agencies they have fail to provide me with proper investigation results or upheld their duties to reporting accurate information on my credit profile I have been harassed and violated of all my rights and this has caused me great distress. I have reached out numerous times and they have yet to comply with any of my request or getting this resolved. I was sent a return receipt in the mail but no further investigation results or acknowledgment of my request. These companies have been reporting false information on my report and have making it their duty to cause harm to my everyday livelihood. So far I have not been able to obtain any use of credit because of them violating my rights I have sent in numerous documents and have not received any corespondence and its been 3 months now since the investigation. I have requested investigation results and contacts for who they spoke with to verify this information along with an updated copy of my credit report. Along with my request this company has proven that they are still going to report false information that was open and reported without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 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 explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted the credit bureaus and asked them to remove the incorrect addresses and they refused.

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 2024-07-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation