vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
This company is reported late payments on my credit report and I have directly sent them a dispute letter requesting them to correct the information and they have failed to yet do so and has also continued to. Pursuant to 15 U.S.C 16681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is reporting transactions between me and the company which states is excluded from my consumer report. Pursuant to 15 U.S.C 1666b timing of payments 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 an account without my written instructions!

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I recently was reviewing my credit report and came across a debt that I did not recognize from the creditor World Finance Corporation, based in XXXX, Missouri. While I did live in XXXX, Missouri, I have no association with this debt. I sent them a letter in the mail demanding verification of debt and all of the information that is required for them to provide in accordance with the FCRA. Two weeks went by and I received a letter back, of which you will find a picture in the attached files of ... stating that the address was undeliverable. Upon further research, they are no longer and entity. They would be unable to verify these claims of debt and there is simply no way for me to know where this debt came from and why it's on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX of 2022 I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last May and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed HIPPA release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious 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 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist has changed the amount due multiple times without notifying me prior to the due date. They have also charged me for fees that they havent notified me they would charge me for and can not explain what the fees are when I call about them. Not a single department knows what the fees are. I spend hours every month trying to find out what the fees are and have them removed. Each time Im told the fees will be removed but yet the fees show up the next month. Ive never been in default nor have I missed a payment.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Last month I filed a dispute for bankruptcy reporting inaccurately on my consumer file. You sent me a response back that it was verified and you got your information from Pacer. I went to Pacer to compare the information you are reporting on my consumer file to make sure it was accurate as you stated. However, the information is still not accurate. The name of the court & the county is inaccurate. 

Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. 

Now I wonder if you actually did an investigation or not. Did you even look into the information or did you quickly label it as accurate/verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please refer to CFPB complaint XXXX Mail fraud was committed. JPMorgan Chase and XXXX XXXX XXXXXXXX allowed a check to be fraudulently cashed. Attached is the check copy, unaltered and cashed by someone other than the payee. 

JPMorgan Chase and XXXX XXXX XXXXXXXX have a responsibility to their customers to protect them from fraud against their customer accounts. 

This is the 2nd complaint with additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2023 : Received a voicemail from BANK OF AMERICA Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX and XXXX accounts : The following information was posted on my XXXX credit report : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK OF AMERICA  got a copy of your XXXX  Credit Report. 

BANK OF AMERICA made a Bank/Credit Card Inquiry by checking your XXXX  Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source XXXX Company BANK OF AMERICA Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called BANK OF AMERICA XXXX XXXX ) XXXX and XXXX as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WI

Complaint narrative:
Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express is in volition of 15 USC 1681 ( a ) the Fair Credit Reporting Act.

So, 15 USC 1681 ( a ) ( 2 ) ( b ) speaks under the exclusions except as provided in paragraph 3.

The term Consumer Report Does Not include ( a ) ( I ) - a report containing information solely as to transactions or experience between the consumer and the person making the report.

( B ) -any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

American Express is reporting this information on my consumer report making it inaccurate because this information is not included in a consumer report I have sent a letter to american express asking them to delete this information off of my consumer report.

American Express has responded with only billing statements of some alleged debt, ignoring my actual request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

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 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.TransUnion and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 XXXX XXXX TransUnionXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 ( 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.

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.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from Experian 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 XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX Experian-XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX 15 U.S. Code 1681s2 ( 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lakeside Receivables LLC
State: WI

Complaint narrative:
This company keeps contacting me over a debt that is at least 10 years old, not even on my credit report. They constantly call and have sent me emails saying there is a warrant for my arrest. Im also pretty sure its not the correct amount I owe. And change amount owed in various emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX, an ACH transaction was completed by XXXX XXXX XXXX  after XXXX that day. According to Wells Fargo it was immediately returned due " Insufficient Funds. '' Wells Fargo clearly states that they give everyone an " Extra Day Grace Period '' to settle accounts before being charged an over draft fee or returning the charge. I received my pay check just after XXXX on XX/XX/2023, there was nearly XXXX dollars already in the account, XXXX was applied on XX/XX/2023, tou checking account brining it to XXXX. My employer paid early, usually it will not be paid until the Friday. It clearly showed ony account, the entire day of XXXX XXXX, it remained there until the evening of XX/XX/XXXX. Therefore that deposit should have taken care of the ACH request of XXXX it did not, instead Wells Fargo revoked the funds claiming that the employer did not want it posted til Friday which they do not have any legal right to speak tou employer for any reason, the claim is false. They revoked my pay until XX/XX/2023 and by the they had already returned the ACH charge without funding even though the funds were available on XX/XX/XXXX. They not only stole funds from me for XXXX hours but they refused to honor the " Extra Day Grace Period, '' XXXX g that it's up to the system to decide payment or not, '' or that policy only applies to over drafts, to which this was a temporary overdrafts. Not only has Wells Fargo committed fraud but they have decide to be choosy on who gets the " Extra Day Grace Period '' even though there are no specifics and it is offered to everyone who has a Wells Fargo account. 
I keep getting the same excuses " were still processing the complaint, '' or " We can't do anything about it. '' Wells Fargo refuses to honor their policies and has committed fraud to which they refuse to rectify unless they are taken to Federal 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 explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OK

Complaint narrative:
Procollect credit agency, keeps fraudulently adding a account that has been previously erased by a credit agency I hired to remove items off. The balance is XXXX, it's for 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian many times to remove this XXXX because it is fraud. I open a fraud report that is attached to this complaint

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