vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding undisclosed and excessive fees charged to my 5/3 Essential Checking account ( XXXX ). Over the past several months, I have been charged repeated fees that I was not made aware of when I opened the account. These fees include monthly service charges and dormant account fees that significantly reduced my account balance. 

Here is a breakdown of the fees : Dormant Account Fee : {$5.00} ( charged multiple times ) Monthly Service Charge : {$11.00} ( charged multiple times ) Total service charges for the period : approximately {$94.00} Although some of these charges were reversed, such as a {$4.00} and {$11.00} service charge, the reversal amounts do not fully cover the fees deducted. Additionally, the reason for these fees, particularly the dormant account fee, was not clearly communicated to me, nor was I informed of the steps I needed to take to avoid them. 

I took no actions that should have warranted these charges, and I was not properly notified of the risk of incurring such fees. These deductions have caused undue frustration and financial hardship.

I am requesting : 1. A detailed explanation of why these charges were applied to my account.

2. A full refund of all fees, as I believe they were not adequately disclosed or justified.

3. Clear communication about how to avoid similar fees in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my second time trying to correct this error. You are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. Please forward me the updated credit report after you have completed your reinvestigation and corrections. XXXX XXXX XXXX and account number XXXX. Also I have attached your first investigation stating verified as accurate and updated, how is this possible if it still showing inaccurate.Your prompt attention is greatly appreciated on this matter.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Subject : Complaint Regarding Incorrect Name on Credit Report Dear Sir or Madam, I am writing to file a complaint regarding an error on my credit report with Equifax, one of the three major credit reporting agencies. On [ XX/XX/year> ], I discovered that Equifax had changed the name listed on my credit report to " XXXX XXXX, '' which is not my legal name and does not match the information on my drivers license, rental agreement, or any other official documentation. 

This error raises significant concerns about the accuracy of my credit report and its potential impact on my creditworthiness and financial activities. Despite my efforts to maintain accurate information with all credit bureaus, this erroneous update by Equifax is alarming and needs to be resolved promptly. 

Details of the Issue : Current Listed Name ( Incorrect ) : XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Date of Discovery : [ XX/XX/year> ] Supporting Documents : [ Driver 's License, Rental Agreement, etc. ] Steps Taken to Resolve the Issue : I have contacted Equifax directly to dispute this error and provided supporting documentation to verify my legal name. However, I have not received a resolution as of this date.

Request for Resolution : I respectfully request that the CFPB investigate this matter and assist in ensuring that Equifax corrects the inaccurate name on my credit report immediately. Additionally, I would appreciate guidance on how to prevent similar errors in the future and protect my credit profile from inaccuracies. 

Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Experian for what I believe are serious violations of the Fair Credit Reporting Act ( FCRA ). My concerns include Experians unauthorized opening of disputes on my behalf, which appears to be a tactic to reset the statutory 30-day dispute resolution timeline, as well as their failure to provide accessible dispute results. These actions have caused significant delays in resolving inaccuracies on my credit report and have undermined my rights as a consumer.

Background and Evidence : 1.Unauthorized Disputes : 3.Experian has opened multiple disputes without my consent. Based on my review, there are at least 20 disputes that I did not initiate. This practice appears to be an attempt to extend the statutory 30-day period for resolving disputes under the FCRA by resetting the timeline with each new dispute. This is both misleading and detrimental to consumers attempting to resolve legitimate credit inaccuracies.

2.Unavailable Dispute Results : For the disputes that I did initiate, Experian has failed to provide results in a timely and accessible manner. Attached are screenshots showing that my dispute results are currently not available online, despite being informed they are ready. The disputes in question include the following report numbers : Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) XXXX. Failure to Communicate Effectively : Experian has provided no clear explanation for why dispute results are unavailable or how I can access them. The only recourse offered is a phone number ( XXXX ), which has not resolved these issues or provided clarity on unauthorized disputes. 
FCRA Violations : Experians actions appear to violate several provisions of the FCRA, including : Section 611 ( a ) ( 1 ) ( A ) : Requiring credit reporting agencies to investigate disputes within 30 days of receipt unless additional information is provided by the consumer. By opening unauthorized disputes, Experian seems to be circumventing this requirement.

Section 611 ( a ) ( 6 ) : Requiring agencies to provide consumers with written notice of investigation results and corrections made. Experians failure to provide accessible dispute results violates this obligation.

Section 611 ( a ) ( 5 ) : Mandating that unverifiable or inaccurate information be corrected or deleted promptly. The delays caused by unauthorized disputes prevent timely resolution of inaccuracies.

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 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
I wanted to transfer funds from Optum XXXX bank to XXXX and closed. XXXX of me liquidating the funds optum is denying transfer of funds. 
Called optum customer care and was transferred to XXXX XXXX. XXXX has no idea about whats going on and asked for XXXX and kept me on hold ofr XXXX min and then disconnected phone. Called again and asked for XXXX rep and XXXX ( XXXX XXXX transferred to optum pharmacy who had no idea what to do. 
Called again and XXXX ( XXXX ) in XXXX said he will be transferring to XXXX XXXX and then disconnected phone after XXXX min, Wasted about XXXX hr to no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My accounts 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 to be removed/updated.

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.

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!

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 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
I reported identity fraud after reviewing my credit for the first time in a while, and I noticed this account. It showed that this account was charged off or written off, in which I have no clue about. So I sent out a cease and desist letter and then after that was done the text messages started coming forth from a debt collection agency by the name of XXXXXXXX XXXX XXXX, then a call came of someone claiming to work for XXXX XXXX XXXX  They was sounding real aggressive over the phone saying they have my address if I dont pay so I immediately hung up. Now on the other hand I pulled my credit report again and it showed that the original creditor which is ACIMA LEASING sold the agreement or contract to a collection agency without authorization from a consumer anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I made a payment arrangement with Concora credit for my Milestone credit card for {$120.00} I think it was ( XX/XX/XXXX ). They say all calls are recorded, so this should have been as well. 
I woke up to a charge on my account today that they took {$230.00} instead. 
I called my bank and they said this could take up to 3 months after submitting a dispute to resolve, and I called Concora and had a fit because they couldn't give me a real answer and said there is nothing they can do right now. 

I am furious and I never authorized {$230.00}. 
I want this removed and I want them to remove my bank card from their system. 

They take whatever they want when they are ready to be paid back and don't go by what they payment arrangement says. 

Be aware! 
I want this handled fast. They overdrew my bank account from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Unauthorized Credit Pull and Lack of Resolution I recently visited the Mattress Firm booth at the XXXX XXXX of Texas, where an employee showed me a mattress and mentioned I could reserve it while I took time to decide whether to purchase it. At no point during this process was I informed that this reservation would result in an actual sale or that my credit would be pulled. I only became aware of the credit pull when I received a notification from my credit monitoring service. 

When I inquired with the employee about the credit pull, he dismissed it by saying the credit card was " useless '' and advised me to throw it away, completely overlooking the fact that my credit had been accessed without my consent. I later received an actual credit card, which the employee confirmed was of no value. 

I reached out to Mattress Firm 's customer service and received an apology but no further assistance. Following the advice of my attorney, I requested that they resolve the unauthorized credit pull and take corrective action regarding this unethical practice. However, I have yet to receive any updates. Instead, they simply redirected me to the banks helpline, expecting me to address the issue on my own. 

I am disappointed with the lack of support and resolution and would appreciate immediate attention to this matter.

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 2024-12-27 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXXDate of Inquiry XX/XX/year>

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXXDate of Inquiry XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On the dates of XXXX there were unauthorized ATM withdrawls from my Wells Fargo Bank debit card ending in XXXX in XXXX XXXX , NV. A total of {$4900.00} was withdrawn from my account. I live in XXXX, ID so it was not me making these unauthorized withdrawls. I reported it to Wells Fargo Bank claims center but they claimed it was me making these withdrawls. ( Claim # # XXXX ) I told them that that couldn't be true since I was in XXXX, ID. A whole different state. I called two times and they sent two letters stating the claim was closed. One letter claimed {$4800.00} was dismissed while the other letter claimed {$4500.00} was dismissed. They didn't even come to an agreement as to how much was actually withdrawn. They don't reply to my emails and put me on hold for almost an hour and dismiss it when I try to get a resolution. 

As a side note I also got unauthorized withdrawals from my XXXX  XXXX XXXX credit card on XX/XX/year> of {$170.00} in XXXX, CA. XXXX  XXXX XXXX resolved this issue and re-imbursed these unauthorized withdrawls.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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