vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to file a formal complaint against XXXX a consumer reporting agencyfor their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously delited material into my credit report. I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX  days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2024-05-10 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: FL

Complaint narrative:
Im writing to file a formal complaint against XXXX a consumer reporting agencyfor their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously delited material into my credit report. I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX  days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: VA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

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 2024-05-10 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: VA

Complaint narrative:
Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Representatives from the debt collector Hunter Warfield , Inc. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX ) have repeatedly called and harassed me over unpaid rent of my former residence in Miami, FL. 

Pursuant to the terms of the apartment lease agreement, " if the Tenant should decide to terminate the lease contract prior to said expiration date, the Landlord is entitled to an early termination penalty fee to be determined at time of move out ; however, the penalty fee shall never be less than 1 month of rent being charged at the time of the termination unless otherwise specified by the Landlord. '' Additionally, the lease agreement provides that upon default of rent, the Landlord may re-let the premises, resulting in my being " liable for the difference between any rent collected under the re-letting of the Premises and the amount that would have had to be paid as rent. '' Approximately two months after providing Landlord notice to vacate the premises, HW commenced a bad faith campaign against me to collect a dubious, unsubstantiated amount of debt I supposedly owe. 

HW should be investigated for their misleading representations over my debt in this matter, particularly in light of their negligence in failing to conduct the required due diligence before abusing their position of power as a debt collector to intimate me for an illegitimate debt amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 explanation
Consumer complaint received 2024-05-10 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: CBC Companies, Inc.
State: MD

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt XXXX you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They had contacted both my mother and EX wife. I called requesting to speak with their quality control and compliance XXXX. They proceeded to put me on the phone with a XXXX XXXX who REFUSED to tell me how and where they received these contact phone numbers for me. He also REFUSED to send me any paperwork to verify the information that they have on file. As well as saying he was educating me on the situation insinuating that I was incompetent and XXXX  As well as threatening me with legal action if I didnt set up a payment plan that day and insinuated on multiple times that today was my only chance to arrange a payment plan. Also verified that their company had been calling me daily and sometimes multiple times a day. Also stated that I told them to stop contacting me on my number in 2021 which I know is false. Also as my mother informed me that they told her details about the debt that was owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-10 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: GA

Complaint narrative:
I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the Experian XXXX, who refuse to assist. Also lied about a XXXX  being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, Experian, XXXX and XXXX. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this bull XXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXX XXXX XXXX  XXXX  GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.

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 2024-05-10 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: IL

Complaint narrative:
FCRA 605B demands the eradication of any incorrect accounts from my credit report. These accounts inaccurately represent my credit activities. Compensation of {$1000.00} is warranted for each incorrect account listed 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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
They closed my account because of a XXXX XXXXXXXX balance only after 90 days. My royalty payments hasnt started to deposit yet. They also had no reason to close my previous business account I had with them. They closed it because I deposited a non-voided royalty check & they deducted the check the same day I deposited it after spending {$800.00}. They put my account in the- $ XXXX. Then had the nerve to send me a check for my remaining balance that I didnt spend a year & a few months later for $ XXXX. Then when I opened my second chance account Idek where the - {$19.00} charge came from, I shouldnt even be able to overdraft a second chance account. At least thats what their terms says. The whole issue with Chase is just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX  my sister and I visited the Wells Fargo in XXXX XXXX and tried to XXXX XXXX of their checks, and was denied for no valid reason. XXXX ( assistant manager ) used the little leverage she had by denying our transaction, just to inconvenience us. 

We presented multiple forms of valid ID, the bank teller called my tenant ( their client ) to confirm they wrote the check, they verified the funds were in the account, and they still wouldn't cash the check. I have never experienced this. It was embarrassing, humiliating and made me angry. 

I'm sure they will say I was rude to the staff, which I was after they denied to cash the check. Apparently asking them what the actual check cashing policy is was too much for them to handle. They couldn't answer what their own policy was, gave me a new client packet and claimed it was in there, which it wasn't, and they couldn't point it out. 

They really made me feel like I was doing something wrong. I just wanted to cash their check at their bank. I shouldn't be forced to open a new account. It is their own bank check. Their own website claims they will cash their checks. 

Maybe they were out of cash? 

The manager ( XXXX ) at this branch is one of the most XXXX XXXX, incompetent and stuck-up people I have ever met.

She clearly didn't like us and decided that we shouldn't be allowed to access our cash, just to inconvenience us. 

This branch has a XXXX rating on XXXX. Something is rotten here.

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 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted the company in XXXX of 2024 to ask why I was receiving my billing statement only XXXX days prior to in being due, I tried to explain that there would be no way that I would be able to mail my payment to you and receive it on time. They did not respond. I then contacted and filled a complaint against the company with the XXXX in XXXX of 2024. They failed to respond. 
Since my payment has been last for the past XXXX  months since I only receive my paper statement about XXXX  days before the payment is due. This isn't right.

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 2024-05-10 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: VA

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 

These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.

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