vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
When I opened my business checking account I told the banker to have my account set where if I didn't have the funds in my bank account to return the transaction because I didn't want to have any overdraft fees. Come to find out this was not set up on my account and I used the card and I was under the impression since it was a business account I would let the charges approve. Months later I seen the charges and requested that it be reversed. I was given a run around, went to the bank they told me I had to go to the branch I opened the account. I called in as well. When I did make it to the branch I was told it was too late I had to come in sooner. I explained my situation to the banker telling them I was out of town my mom had been XXXX  for months and I was taking car of her. I feel I was treated unfairly and they basically took my money and tried closing my account. Also my personal account was hacked a girl tried to deposit a check in my checking account I filed a police report and mailed it in to the branch manager and he hasn't returned my calls I did return the call once but hasn't responded since I sent in the information that was requested. I am very unhappy how I have been treated I filed several charges I wanted reversed that weren't mine. The credited my account then reversed the charges I don't feel like they have the customers best interest for my personal or business account.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : $ XXXX number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXX are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : $ XXXX number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXX are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : $ 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 2024-09-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
-Cards bought XX/XX/XXXX -Attempted use and noted to be drained around XX/XX/XXXX -Contacted InComm XX/XX/XXXX case opened ( # XXXX ) -Signature requested and done XX/XX/XXXX and received email noting this that day -Received request from InComm for more information on XX/XX/XXXX -Filled out requested information and received notification of InComm having received what they needed XX/XX/XXXX and assurance that they would be contacting me for resolution and have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
ccount info Account name XXXX XXXX XXXX LL Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$420.00} as of XX/XX/XXXX Monthly payment - Original balance {$420.00} Highest balance - Terms 1 Months Payment history XXXX This company bought a debt from a credit card company I never signed anything with them giving them the right to create this account. It is listed as a collection even after I paid it in full, it shows up as negative item on my credit report. They bought the debt but it is fraud to open up a new account to the company who bought a debt without my permission and created an account under there letter head without my permission, I have asked them to correct it they refuse

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 2024-09-23 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : XXXX XXXX-The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXXYou are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : $ 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 2024-09-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 XXXX Credit Bureau. XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1.Credit Collections ( Original Creditor : XXXX XXXX CO ) Account # : XXXX Amount {$440.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ list any relevant documents you are including ]. 
Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: OK

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance : {$47.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
In late XXXX and early XXXX, I initially requested that my escrow account be closed. I then received a check for the balance in the escrow account. I then requested that my escrow account be reestablished and, on XX/XX/ an new escrow analysis was done with a shortage and a new payment due on XX/XX/ I then requested that my escrow account be finally cancelled/closed. XXXX the chat section on the company 's website, it was confirmed that my escrow account was closed and that I would receive a letter in the mail confirming that this had been done. However, I never received such a confirming letter. 

Today, XX/XX/ I again entered a chat session on the company 's website. I indicated that I never received a letter confirming that my escrow account had been closed. I was informed through the chat that there was a note in the file indicating that I still wanted the insurance be part of an escrow account. I informed the chat session that this was incorrect and that I still wanted my escrow account closed The chat session indicated that they had gone ahead and closed the escrow account and that I would be receiving a letter confirming the closing in the mail. 

I was also informed that, as per my request, my automatic payment would be cancelled and that I would be making monthly payments manually. 

Due to all of the problems I have had regarding this issue, I want/need confirmation that ( 1 ) my escrow account has been cancelled and that my monthly mortgage payment will remain at {$1200.00} and ( 2 ) that my automatic payment has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was the victim of identity theft. Here is the list of ITEMS which do not belong to me or were opened without my permission. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-09-23 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: FL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief