vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I stayed at XXXX XXXX XXXX and I checked into my room at XXXX. The room total was {$150.00}, and the Clerk said there was a {$100.00} refundable security deposit, so the total came to {$250.00}. I went straight to sleep when I got in my room and slept until checkout the next day. I called the hotel to find out when my security deposit would be refunded and was told in 3 business days. After waiting 3 business days, I called again and they told me 7-10 business days. I waited that time and called again, they told me the same thing and I let them know it's exceeded the time they said. I've faught with XXXX XXXX a few more times to get my deposit back and read reviews online that the hotel runs scams to keep people 's deposits. I tried twice to dispute it with my bank and they said they weren't returning my money. I've included screenshots of the charges and the horrible reviews about the hotel scamming people. I need my {$100.00} deposit back please. And unfortunately, in order to ever get anything resolved, I have to file a report.I 'm in order for resolution because my bank always never wants to return the money to me when I have legit disputes period I provide them with all the evidence they ask for they need.And then some and they still don't ever want to return what's rightfully mine so I have to remake reports on with you guys all the time to get my money back and it's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
RE : Wells Fargo Class Action Suit. I was contacted by 3rd party handling the settlements, I was not satisfied with the settlement amount and faxed over a Mediation request per their instructions. I have heard nothing from them in response. I attached a letter addressing my concerns to the Mediation form, it explained Wells Fargo 's inability to correctly identify charges to my checking account for an unauthorized enrollment in an insurance program for a period of 12 years, the dates of enrollment they came up with was provided to them from a 3rd party which they were unable to explain how the dates were identified and what products they were for nor were they able to identify the 3rd party involved. Wells Fargo was not able to accurately identify anything about the charges on my account nor did they seem to be aware that I tried several times over several years to get them to stop the charges, all the while dealing with personal turmoil that demanded my full attention. I have the letter and the Mediation form along with my bank statements for the period in question, yet Wells Fargo has been unable to accurately identify the charges, the products, or the 3rd party involved in these charges to my account. Their processes are not credible and they have not responded to my request for 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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Experian for reporting inaccurate and/or incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies concern a bankruptcy record that has been reported inconsistently and inaccurately, causing harm to my credit profile. 

Identified Discrepancies 1. Reference Number : Experian lists the bankruptcy reference number as XXXX, while another credit bureau reports it as XXXX without the additional identifier. 

2. Court Identification : Experian records the court as XXXX XXXXXXXX XXXX XXXX XXXXXXXX, whereas another bureau lists it as U.S. Bankruptcy Court. 

FCRA Violations 1. Section 607 ( b ) : Requirement for Maximum Possible Accuracy Experian has failed to ensure the accuracy and consistency of the information reported, violating this section of the FCRA. 

2. Section 609 ( a ) ( 1 ) : Consumers Right to Accurate and Complete Information The discrepancies in the reference number and court identification prevent me from accessing a fully accurate and complete credit report, as guaranteed under this section. 

3. Section 623 ( a ) ( 1 ) : Obligation of Data Providers The data providers responsible for this information have not ensured its accuracy and completeness before submitting it to Experian, further compounding the 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Experian for reporting inaccurate and/or incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies concern a bankruptcy record that has been reported inconsistently and inaccurately, causing harm to my credit profile. 

Identified Discrepancies 1. Reference Number : Experian lists the bankruptcy reference number as XXXX, while another credit bureau reports it as XXXX without the additional identifier. 

2. Court Identification : Experian records the court as XXXX XXXX XXXX XXXX XXXXXXXX, whereas another bureau lists it as U.S. Bankruptcy Court. 

FCRA Violations 1. Section 607 ( b ) : Requirement for Maximum Possible Accuracy Experian has failed to ensure the accuracy and consistency of the information reported, violating this section of the FCRA. 

2. Section 609 ( a ) ( 1 ) : Consumers Right to Accurate and Complete Information The discrepancies in the reference number and court identification prevent me from accessing a fully accurate and complete credit report, as guaranteed under this section. 

3. Section 623 ( a ) ( 1 ) : Obligation of Data Providers The data providers responsible for this information have not ensured its accuracy and completeness before submitting it to Experian, further compounding the 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 explanation
Consumer complaint received 2024-11-27 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: NM

Complaint narrative:
I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : 1. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by TransUnion and XXXX, but XXXX reports {$5800.00}. This discrepancy violates FCRA 1681e ( b ). 
2. Conflicting Date Last Active : The Date Last Active differs across bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX  This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ). 
3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
4. Untimely Updates : The Last Reported date is delayed, with TransUnion and XXXX showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates. 
5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. 
6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681

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 2024-11-27 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: NM

Complaint narrative:
I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : 1. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by XXXX and XXXX, but Equifax reports {$5800.00}. This discrepancy violates FCRA XXXX ( b ). 
2. Conflicting Date Last Active : The Date Last Active differs across bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ). 
3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
4. Untimely Updates : The Last Reported date is delayed, with XXXX and XXXX showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates. 
5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. 
6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I got an alert today on my XXXX and XXXX accounts of a hard inquiry. It seems to be at Best Buy and XXXX  is XXXX XXXX, South Dakota. I live in Colorado and have not opened any credit cards recently. I believe it is fraud. I can not get it contact with either business via phone and talk to a person on the 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear XXXX, I am writing to formally request updates to my credit report. Please ensure that the following adjustments are made to accurately reflect my personal information : Name : The only name that should be listed on my credit report is XXXX XXXX. Please remove any other names that may currently appear on my credit file. 

Address : Please update the address on my file to : XXXX XXXX XXXX, Alabama XXXXKindly remove any prior addresses, including XXXX  XXXX  XXXX, XXXX, Georgia XXXX. 

Promotional Block/Credit Freeze : I also request that you remove any promotional block or credit freeze currently listed on my credit file.

I appreciate your prompt attention to this matter. Enclosed, you will find copies of documents verifying my identity and address to assist in processing these updates. 

Thank you for your assistance in maintaining the accuracy of my credit file. 

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 2024-11-27 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: NV

Complaint narrative:
Formal Complaint Against Best Service Company and XXXX XXXX  Regarding Reporting of Paid Debt Dear CFPB, I am filing this complaint against Best Service Company and XXXX XXXX  for their failure to update my credit report to accurately reflect the payment of a debt I settled months ago. Despite fulfilling my obligations, this account continues to be reported as unpaid, causing harm to my credit profile and financial well-being. 

The facts of the case are as follows : Account Details : Original Creditor : XXXX XXXX XXXX XXXXXXXX : Best Service Company Payment Made : I paid the debt in full directly to Best Service Company several months ago. However, my credit report still reflects the debt as unpaid, which violates the accuracy and timeliness requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to Update : According to the FCRA, credit information must be accurate and updated promptly. The continued reporting of this debt as unpaid violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a timely investigation and correct inaccurate information.

Communication Attempts : I have made multiple attempts to contact Best Service Company to resolve this issue, but their listed phone number leads only to voicemail, and my messages have gone unanswered. This lack of responsiveness further exacerbates the issue and demonstrates non-compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires debt collectors to communicate in a timely and transparent manner. 

Impact on Me : The inaccurate reporting of this paid debt has caused undue stress, financial harm, and potential loss of opportunities due to its negative impact on my credit score.

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 2024-11-27 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-27 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive identified multiple accounts on my credit report that appear unauthorized. Requesting immediate removal of these fraudulent items.

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 2024-11-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief