vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I purchased some clothing for my birthday at our local XXXX store in XXXX. I had not used this card in a very long time, I have XXXX and XXXX and naturally forget a lot of things. In XXXX when the bill came, I opened and noticed that it was due XX/XX/year>, the day that I opened was XX/XX/year>. I called immediately and spoke with a customer service representative and explained the situation and she stated that she could reduce the late fee to {$15.00} but was unable to completely remove the late fee for XXXX days late. I asked if I paid the balance in full if there was anything they could do and she said they were unable to make any adjustments. So I asked her what was the balance and she stated {$120.00}, and I asked if that would be paid in full and she said yes. So I paid the full balance on XX/XX/year>. I did not think to look at the statement again because I had paid it in full and did not expect any other bill as I had not charged anymore on the card and the balance had been paid in full. I noticed in XXXX that I had received another statement and when I opened I saw that I now had {$60.00} in late fees applied to my card. I called a spoke with XXXX different employees and both were very unwilling to do anything to help me. I again explained the situation and how I had paid it off and both of them just kept repeating that I had late fees due. I do not understand when you call and ask what your balance is and they tell an amount and you pay that amount how you can still be charged more late fees on a XXXX balance. I have had this card for almost XXXX years and have never not paid it. I believe the late charges are excessive since I do not carry a balance on this card anymore. I would like them to be removed from the account. I did receive XXXX more phone call recently about this, and they are still asking for the {$60.00} in late fees for a bill that was XXXX days late and paid in full as soon as it was noticed,. Thank you for any consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase is not allowing me access to my account. I have filed an online complaint on the company website trying to reach customer service but have been unsuccessful for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address 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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-21 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by TransUnion and XXXX regarding the above account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : Both TransUnion and XXXX are required under FCRA 611 to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The inconsistent reporting of account opening dates and last active dates suggests a failure to comply with this requirement. 

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, consumer reporting agencies such as TransUnion and XXXX must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies in reporting dates indicate a failure to promptly update my credit reports with accurate information. 

Enclosed are copies of relevant documents that support my claim, including [ list any supporting documents such as billing statements, correspondence with the creditor, etc. ]. 

I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and 623. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
With no notice or justified reason, Wells Fargo ended my banking relationship and closed my checking, savings, and credit card accounts. The banking relationship I had with Wells Fargo was established when I was a minor and had continued until their unjustified closure of my accounts. I have a great credit score, have not deposited any items which have been returned, nor have there been claims filed against me or my accounts. Additionally, there have been no transactions on any of my accounts which violated the Deposit Agreement with Wells Fargo or any federal banking regulations. 

While I understand the Deposit Agreement states Wells Fargo may close an account for any reason, that piece of the disclosure does not exclude Wells Fargos adherence to federal banking regulations, specifically the FTCs Unfair, Deceptive, Abusive Acts or Practices ( UDAAP ) regulation. Closing a consumers deposit account without sufficient notice creates injury the consumer could not reasonably avoid. While Wells Fargo refuses to disclose the basis for account closure, publicly available consumer complaint data on the CFPB website shows this is not an isolated incident. In fact, the data shows this is a common complaint theme related to Wells Fargo and has been on the rise in XXXX. Additionally, a financial institution refusing to disclose the justification for terminating a customers account is problematic as it allows the institution to hide behind such reasoning when in fact, their reasoning could be discriminatory in nature or a blatant violation of federal banking regulations. 

I look forward to a thorough response from Wells Fargo into this complaint and not simply a letter containing scripted verbiage. Please contact me with any questions.

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 2024-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent me for a XXXX at XXXX XXXX XXXX  and XXXX have dispute of fee. I am not involved in dispute and have been harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lela Mae Portfolio Management Group
State: CA

Complaint narrative:
This company is threatening with judgements and lawsuits. I dont know this company ; I need for them to stop sending me emails and threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-21 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: MN

Complaint narrative:
My account with ( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-21 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: MN

Complaint narrative:
My account with ( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
Recently I was reviewing my credit report and noticed several errors I noticed a debt which was disputed and deleted is still however showing on my XXXX which doesn't belong to me is re reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am currently financing a vehicle loan through Truist Bank and the title, from the start, never had my name on it. Now someone please explain to me how I am paying a vehicle loan when I dont even own the car? Somehow, my co-signer has full ownership of the vehicle! Like how was this loan even accepted? They didnt even check the physical copy of the title to see if it had my name on it and I know this because in their system my name is MAGICALLY on the title. This all started to get serious on XX/XX/XXXX around XXXX. Numerous times I was told to call a different place to resolve this issue. Once I called the DMV, where they told me to call, they stated that the only person who could fix the title is the leinholder. Which makes sense since they are the only beings with the physical copy of the title. I even obtained a fax number from Truist Bank and was told to fax them the problem to get this resolved. I looked it up online and was AMAZED it was a subscription dealerships purchase to find leinholders. I wasted HOURS of my personal time calling every single place I was directed to call to fix this problem. Now fast forward to present time On XX/XX/XXXX at XXXX I called again. I explained the situation for the millionth time and was told to wait on hold. I told them that my name, in their system, was not on the title. I was told this numerous times so I know for a fact I did not get this wrong. After the lady came back on the phone she tried to make me look stupid by saying my name is on the title. Yet again was I told to call the DMV and the dealership! Yet again I explained I called everywhere and I am not going to call again. I insisted it was a problem Truist Bank had to resolve. Again, I was put on hold so the person could put a report in so their title maintenance department could review it. As soon as she gets back on the line she states, I did happen to find your physical title and it appears your name is not on the title. The amount of associates I have talked to that dont listen and try to shove me off to another business to fix a problem on their end is ridiculous. I will NEVER recommend this place to anyone. Its like they knew I was young, seeking help, and kicked me to the curb because they didnt want to deal with it. So unprofessional!

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 2024-06-21 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: LA

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