vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status 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 2024-07-17 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: 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 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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I paid my credit card statement of {$300.00} in XXXX of 2024, reducing my balance significantly. However, the payment was reversed a month later, and now my balance has increased to {$670.00} and the account was closed with no explanation. Theyve been charging me interest every month since then so my credit utilization shows a staggering 227 % which is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-17 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> the merchant, XXXX XXXX had a pending transaction for a total amount of {$35000.00} from our business checking account.I proceeded to contact South State Bank and notified of the un-authorized transaction. I noticed after checking my account balance on XX/XX/year> that- {$35000.00} was debited from my business checking account by the XXXX XXXX. I had reached out to the financial institution, South State Bank on XX/XX/year> to request a stop payment be put in place to XXXX XXXX. I was told this had been done. On XX/XX/XXXX I had reached out to South State Bank for an explanation of why funds were taken and spoke with XXXX, ( assistant branch XXXX ) the explanation therepresentative of the financial institution, South State Bank provided me was " The merchant had debited the account and payment had posted and there was nothing she could do I explained this was not an authorized transaction and it needed to be reversed. I was flabbergasted by her answered, confused and now determined to get to the bottom of this. 

As of today, XX/XX/year> this matter has not been appropriatelyaddressed. I want to have this resolved, as I believe this was an XXXX error on the financial institution, South State Bank. I would like to know ; ( XXXX ). Why was I not given prior notification by phone, email or text ofthe XXXX transaction that took place XXXX XXXX, 2024?, ( XXXX ) .Does a merchant indeed have access to my account and allow to withdraw money whenever they please?, ( XXXX ). Who authorized this XXXX transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized XXXX? 

I find that the financial institution, South State Bank is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, South State Bank pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/year> and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, South State Bank. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, XXXX XXXX to perform an XXXX of my business checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: AR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-17 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: AR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 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 2024-07-17 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: AR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Below is described a sequence of events from the start of the issue to present day. 

- Check deposits by H ( me ) on XX/XX/XXXX at a Wells Fargo ATM $ XXXX + $ XXXX + $ XXXX = a total of $ XXXX. The checks were issued by XXXX 's father to give H money to acquire some shares of a family house on XX/XX/XXXX. 

- H obtains a receipt from the ATM for the deposit stating that the deposit will be reviewed. No money or information on the deposit is visible on my account in the next hour. H calls Wells Fargo customer service immediately to file a claim and is told that the checks are under review and resolution XXXX take XXXX business days. 

- Seeing that nothing was happening leading up to XX/XX/XXXX, XXXX tells Wells Fargo that he is going to get the money via a wire from his father ( sent on XX/XX/XXXX ) instead and asks if the check processing can be interrupted. 

- Despite H 's request, the check deposits still go through and money is pulled from XXXX 's father 's account at XXXX on XX/XX/XXXX. 

- H waits to see if the money from the checks will reach his account after being pulled from the issuing account. 

- Nothing happens for several days and H asks in person on XX/XX/XXXX for Wells Fargo to act so the money is either returned to XXXX or gets deposited on XXXX 's account. An email thread including XXXX XXXX ( Wells Fargo ) and XXXX XXXX ( XXXX ) is opened on XX/XX/XXXX formally asking in writing for a resolution. 

- XXXX also investigates the issue and confirms that all three checks have been processed and pulled from XXXX 's father 's account. No further action can be taken by XXXX since the checks have been fully processed. 

- A case is opened at Wells Fargo by XXXX XXXX on XX/XX/XXXX - case number XXXX. 

- Nothing happens for several more days. H inquires again and asks for action. 

- On XX/XX/XXXX, XXXX XXXX opens another case - No XXXX. 

- Nothing happens until XX/XX/XXXX. No information is provided back to XXXX XXXX money is credited to XXXX 's account. 

- On XX/XX/XXXX, H asks XXXX XXXX by email : Can I please have the name and email of someone at a high enough level to get Wells Fargo 's mistakes corrected? He also asks that the money ( $ XXXX ) be credited to his account by Wells Fargo immediately, regardless of the status of any current case. 

- Today is XX/XX/XXXX. The money is still lost somewhere at Wells Fargo and is still not on XXXX 's account. 

- At 5 % rate of return ( T Bond ), this is costing H and father at least {$20.00} a day.

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 2024-07-17 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-17 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: Cascade CISS Holdings, LLC
State: NE

Complaint narrative:
I did not agree nor consent for my credit to be ran by said company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received several credit solicitations in the mail with my address but someone else 's name. I inquired with the financial institution sending many of the solicitations, and they confirmed that all XXXX credit bureaus are sending my address with another consumer 's tradeline. My dispute is not with my own credit report, so I wasn't sure how to submit the request to correct the data integrity issue with my address. I contacted TransUnion by online chat to explain and determine how to submit the request for them to investigate and correct their data. They suggested putting a freeze on my account, and then to send a letter in the mail disputing my credit report. The data issue is not with my tradeline, so neither of these actions would address the issue, and it is also putting the burden on my to solve their issue. For context, we built the home we live in, so there are no prior owners. I am glad to share the names of the other consumers that are impacted, as well as examples of the solicitations from XXXX different financial institutions, but this form says not to share any personal info ( so I wouldn't want to put these other consumers at risk ). Please help me resolve this with TransUnion, XXXX and 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 2024-07-17 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: RI

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear reporting agencies this company XXXX XXXX XXXX has not sent me information I requested. I requested they show a contract I have them XXXX XXXX XXXX they have not produced I have been working on this for 4 months now and received no documentation just verified and updated which is unacceptable I have reported XXXX XXXX XXXX TO THE FTC for fraud and unfair practices this company is clearly violating the FCRA to delete unverified information within 30 days. Theyre clearly violating the UNIFORM CONMERICAL CODE and doing what they want. Sending me verified and updated is unacceptable. Law states I can ask for any documentation and they have to provide. My next steps will be to call XXXX XXXX XXXX get one of the employees name and hold them personally liable in court if this fraud account is not deleted asap

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