vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-02-27 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I notified Wells Fargo immediately upon noticing XXXX fraudulent charges on my credit card ( seems like a same charge made twice a row by the same merchant that I have never authorized to charge my card and that I have never done business with and that I have never received anything from ). These notices fall under reference numbers XXXX and XXXX. However, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that these charges are similar to my usual charges and that for this reason Wells Fargo reversed the fraudulent charges and rebilled my account. There must be an error on Wells Fargo 's end since these XXXX charges are truly unauthorized. I do not recognize the merchant. I have not received anything from this merchant. I have not given the card details to this merchant. I have not authorized this merchant to charge the credit card for anything. Furthermore, regarding my usual spending patterns, I have never charged the card for purchases this high and I definitely have never charged the card past its credit limit. Frankly, I do not even understand why Wells Fargo let the charges through given that they significantly exceed the credit line on my 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
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX has that I have XXXX missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27 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: OH

Complaint narrative:
I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX has that I have XXXX missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-27 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: TN

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my XXXX and TransUnion reports, as well as the reemergence of a concerning account within my XXXX report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my XXXX and XXXX reports, as well as the reemergence of a concerning account within my Equifax report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank attempted to charge a card linked to a checking account. When the amount wouldnt go through due to no funds in the account, US Bank overdrafted the account and then closed it. They then sent a letter on the XXXX, that I finally received on the XXXX, that they were closing the account and may report this to a credit agency in order to collect the requested funds. The overdrafted amount is around {$100.00} and after fees, they are requesting {$240.00}.

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 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
after many years using amazon card to purchase from birthday gifts to reading glasses, I was forced to closed my account. I recently retired back in XX/XX/2023, so my income level change, I continue making payments on my card almost on time all the time, but the last couple months I was late because my XXXX XXXX check arrives on the XXXX of each month and the amazon payment due date is the XXXX of the month, I talk to a ( costumer service ) supervisor and another person trying to explain my delay, I was charge {$23.00} late fee last month and {$40.00} this month, at this rate I will never be able to pay off my balance, all I want is to be able to pay my bill on the XXXX or XXXX when my XXXX XXXX check is in my checking account, I request a change of payment due date but the supervisor was really rude, so I'm not sure if that will be able to happen

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 2024-02-27 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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:
My personal information was used to inquire unauthorized accounts. I have no knowledge of this activity reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My phone was stolen XX/XX/XXXX of this year, 2024. After stealing my phone said individual took out {$1500.00} from my cash app and sent the money to there own account. I reported the crime to the police and do have a police report number. I made a dispute with cash app over said {$1500.00} and the said they would investigate, days later I get an email stating I authorized said money transfer when I in fact did not. This inturn has left me in a financial bind, made the paying of various bills and things hard, and with all my miniscule savings being cleaned and drained by the thief, I am highly disappointed, upset with cash app, and I would like to know what happened to the FDIC? If this is the best protection given by a bank or best insurance you have of your money, I refuse to ever use cash app or there services again. I want compensation for my money stolen and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX the company underestimated my escrow amount, leaving a shortage of over {$6000.00} that I needed to pay in full, or divide over a 12 month period. I thought a mistake occurred, as they informed me that my next months mortgage payment would go from {$1100.00} to a little over {$2000.00}. This left me with less than 30 days to figure out how I would pay the difference. I called in XX/XX/XXXX to make a payment of {$1100.00} and see if the escrow could be divided into 48 months, until I could figure out if this was actually something I needed to pay. They never adjusted the escrow in XXXX. I called back in XX/XX/XXXX and was able to speak with someone who submitted the request. However, it was only divided in 24 months, which left the mortgage high, with no explanation as to why it could not be divided into 48mths. I requested the escrow to be divided in 48 mths again, but in XXXX they only divided into 36 months with no explanation. XXXX 's mortgage payment is still over {$2000.00}, as they did not include this amount into the 36 months to divide. This has stretched me thin to make XXXX payment of $ XXXX, XXXX $ XXXX and Marchs $ XXXX, as my mortgage increased too much in a very short timeframe. I have recently submitted a hardship until I can figure out my next steps and have this reviewed by a professional, as I have never heard of a mortgage increasing over {$900.00}. When I call the company they never give me a straight answer and have failed several times to submit my request, which has delayed me and pushed me closure to my deadline of XX/XX/XXXX, in which I have to bring my account current. The company will not accept any payment less than what I owe, therefore I have they to make a payment until my hardship is approved, or they will simply send my payment back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
The debt collection account with Americsn Advisers is a fraudulent account, not my account and is the result of identity theft. American Advisers previous response to the CFPB stated they had XXXX unpaid medical bills for me and my child. I dont have no child or kids. The debt collection account is fraudulent and not my account. I am a victim of identity theft. American Advisers is trying to collect a debt from me thats not my debt or account and the account and debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX

Company response to consumer: Closed with non-monetary relief