vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I have an account with Juno, which is partnered with XXXX, XXXX XXXX # XXXX. I am currently unable to access any of my funds either through cards ( credit/debit ) or through XXXX transfers. This was my primary bank, so this has completely disrupted my ability to pay for my day-to-day bills and expenses. I am asking that the XXXX do everything in their power to re-enable access to mine and all other XXXX customer accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not agree with the absence of requested updated information. I was reviewing my report and spotted several inaccuracies regarding personal information that do not reflect my person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  Reported : Apr. 30, 2024 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have many personal and business accounts with Wells Fargo. My business accounts are no longer accessible online. I was informed via a message in the message center that my account ending in XXXX was closed on XX/XX/year>. I did not close this account. The message says that I could continue to view Statements and Documents for this account online for approximately 90 days from the date the account was closed. The statements are not available as mentioned when accessed on XX/XX/year> so I can not confirm the amounts they held at closure. I have no other emails or communications from Wells Fargo regarding this account being at risk of closure for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I originally had a loan with credit central that was paid off and the employees were reopening the customers accounts like they were refinancing them without customers consent and taking the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Recently, XXXX is unable to schedule a recurring payment for a fixed amount other than minimum payment or for the whole statement balance. The minimum amount is too low to pay because you incur more interest charges whereas paying the statement balance may be too steep if you have a lot on your balance. Why can't we be able to schedule a recurring payment for what we consumers deemed affordable? Something that is definitely more than the minimum bur not as high as the statement balance. This practice recently started happening with XXXX of my credit unions-XXXX  and SchoolsFirst CU. About XXXX years ago, this was not a problem. I believe they changed the policy so they can make more money from you setting up a minimum payment and hoping you forget to make additional one-time payment. This is a very unfair practice. I have sent emails and called both banks. They said you can not do this yourself unless you call to schedule a recurring payment. I called to do this and the person helping me realized she even can not set up a fixed amount recurring payment. Kindly help look into this very unfair practice where customers are at the mercy of banks. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I originally had a loan with credit central that was paid off and the employees were reopening the customers accounts like they were refinancing them without customers consent and taking the funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00}

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX OF ) XXXX Balance Owed : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to dispute all the items on my credit report with TransUnion and they won't let me see the new one but I am able to see the old report and I am not able to dispute anything on there. I tried getting n their website to dispute everything but I am going to call again in the morning to see if I can get some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security XXXX. 
I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT COLLECTION ACCOUNT! 
XXXX XXXX Balance : {$1000.00} Balance updated : XX/XX/XXXX Original balance : {$1000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX 2018

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