vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and employer : XXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/2024 from XXXX XXXX XXXX via 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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I was approached by charter communications last year on XX/XX/XXXX of XXXX  they told me that I was was eligible for free one year long cable internet so I signed up they came over to the house at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX  and they hooked my internet up that same day the neighbor had cut the wire I never got to use the cable whatsoever The house was condemned it's still condemned to this day but yet they filled me for {$240.00} and now it is on my credit report and it should not be it was not under my control to do anything about it I complain to XXXX credit report about it they did nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im begging you plese remove this to the credit report

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 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CREDIT COLLECTION SERVIC has an account opened by me on XXXX i do not know who these people are nor do i owe a debt to them please " delete '' this inaccuracy from my credit report immediately.

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 2024-02-02 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: PA

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-02-02 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: FL

Complaint narrative:
Pertaining to complaint # XXXX All three bureaus are resolving only one aspect of my demands. Appreciate the deletions, yet the timelines in with the FCRA expresses, are not of 60 day thresholds. I would like to enhance my credit standing in a timely manner. 


Please refer to XXXX see attachments Complaints filed, regarding XXXX and XXXX, XXXX XXXX, and 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 2024-02-02 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:
Pertaining to complaint # XXXX All three bureaus are resolving only one aspect of my demands. Appreciate the deletions, yet the timelines in with the FCRA expresses, are not of 60 day thresholds. I would like to enhance my credit standing in a timely manner. 


Please refer to XXXX see attachments Complaints filed, regarding XXXX and XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another STILL WORKING ON THE ISSUE LIE as usual THEY WORK ON NOTHING THEY FIX NOTHING THEY SCAM EVERYONE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I RECEIVED AN INSERT IN MY MONTHLY STATEMENT THAT STATES SYNCHRONY BANK IS STARTING A {$1.00} FEE FOR ANYONE RECEIVING A STATEMENT IN THE MAIL. I PREFER MAILED STATEMENTS. NOT EVERYONE, ESPECIALLY THE XXXX, DO NOT HAVE THE CAPABILITY OF RECEIVING ELECTRONIC STATEMENTS. I BELIEVE THEIR NEW FEE VIOLATES WHATEVER REG STATES THEY HAVE TO SEND OUT A STATEMENT. WHY SHOULD THE ONES WHO WANT A PAPER STATEMENT BE PUNISHED? A LOT OF TIMES, EVEN IF YOU HAVE THE CAPABILITY OF RECEIVING AN ELECTRONIC STATEMENT, SOME XXXX HAPPENS WITH YOUR DEVICE AND A STATEMENT NEVER MATERIALIZES. 

THIS SHOULD NOT BE ALLOWED TO BE IMPLEMENTED. WHAT CAN YOU DO ABOUT IT?

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 2024-02-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # 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 a account without my written instructions

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am the Executor of Estate of XXXX XXXX XXXX, my mother, who XXXX XXXX XXXX 
Until her XXXX, she had a savings account at Citizens Bank. The account placed an overdraft on her account, without telling her what it was for, charging interest for it, and illustrating it on her monthly statements as if it were a credit not a debit. As a result, when I closed the account today, the overdraft was debited from what the bank statement said her balance was. Had she known what was going on she never would have allowed such a balance to go unpaid for as long as it was. No attempt was made by anyone from the bank to advise her what this was costing her. 
XXXX XXXX was XXXX with XXXX XXXX XXXX XXXX and was unable to resolve with a customer service representative by phone. She was physically unable to come into the bank in person. 
I believe these monthly statements are deliberately confusing and incomprehensible and designed to take advantage of someone with the XXXX my mother had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
Please see attached doc2uments. Do not close this complaint stating it is not me. I am a natural person and 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 2024-02-02 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: FL

Complaint narrative:
Please see attached doc2uments. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. 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.

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 2024-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is regarding a NEW monthly {$12.00} fee that has been charged to my account since XX/XX/XXXX without my knowledge. It was in an account that had 0 transactions since XXXX and had previously had never had a fee. It is a SAVINGS account ; one of 5 accounts I have with Wells Fargo and an account that had zero activity during this time period. I signed up for email notifications from Wells Fargo 's website on this account and never received a monthly email showing the fee being charged. 

I am outraged at Wells Fargo and my attempts to resolve the issue. Please pull the recording of my phone call from XXXX on XX/XX/XXXX @ XXXX XXXX. I spoke to a very nice woman who could not answer my questions regarding the fee change, so she asked if I wanted to " FILE A COMPLAINT. '' I said yes and was then put on hold - this is when the problem started. The second woman, XXXX, was her name I believe, was rude and hung up on me. She insisted the fee was advertised, but when I asked why I wasn't charged a fee for months prior and was below the new {$3500.00} threshold, she couldn't answer. She did not like to be questioned. I told her I had my account open online and could see all the way back to XXXX with low balances- including XX/XX/XXXX with {$2400.00}, yet the fee was not charged. This is when she hung up on me! 

On another note, I did a screen shot of my notifications for this specific account from the Wells Fargo website- i was set up according to the icons for PUSH notifications and email alerts for this account. I never received a monthly email and push notification showing this fee when the fee was charged each month. 

I did receive notification ( email only )- WELL FARGO SAVINGS ACCOUNTY ACTIVITY for interest being ADDED to my account but never an email showing the fee being charged. 

I called back another time at XXXX XXXX  and reported the actions of the employee to the escalation department. This time, the woman who worked with me, XXXX, was great. She couldn't fix the problem, but was able to talk to me rationally and explain to me that I should visit a branch.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom It may Concern. 
My name is XXXX XXXX, who has Capital credit card XXXX digit XXXX. 
On XXXX, I tried to order XXXX XXXX with XXXX and before submitting, the XXXX asked to charge me cash advance and need to pay some fees, too. I did not agree and closed it, but XXXX still took my money in my account without my permission. I called to report with Capital-One help me to take my money back in my account. But again, on XXXX XXXX, The Capital-One allowed XXXX  took my money {$1000.00} without notifying me at aIl.I called themmany times asked me to cancel and uploaded the cancellation and refund letters on XXXX XXXX On XXXX XXXX called to talk to XXXX XXXX, who's manager of Capital-One. She asks me to write this letter to verify that I have not received any money yet..In my card, I have {$500.00} available for cash advance, but Capital one allowed XXXX  take XXXX cash advance.Now They let me deal with XXXX by myself Capital one did not protect their customers at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AZ

Complaint narrative:
I am writing TRANSUNION AGAIN to bring to your attention certain discrepancies and inaccuracies that I have identified on my credit report. Upon reviewing my credit report, I discovered several accounts that do not belong to me, and I am concerned about the potential impact on my creditworthiness.

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 2024-02-02 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.

15 U.S.C. 1681s-2 ( 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.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was adding XXXX XXXX using Venmo 's XXXX account link and XXXX is my account too. After I get through the XXXX app and verify my accounts and link my bank. Venmo says They are suspending my accounts. XXXX could be fraudulent activities, and with doing so seizing all my money. I have no money to pay bills. I have no money to eati called. XXXX customer service 3 times the XXXX XXXX times the guy that people hung up to me. Maybe I used the wrong words but they knew I was not happy and they didn't care. They hung up and then a team member or team associate emailed me and said they need further investigation. After I have already turned in my driver 's license picture my personal picture and a copy of my or actually the picture of my XXXX XXXX card. This isn't the first time Venmo has done this to me. And created a pretty big financial hardship the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :

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 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I called on XX/XX/year>, and talked with 2 different people at Nelnet This took 3 hours. The company consistently applies random amounts to the principal/interest ; each loan is treated differently by them each month. They apply wherever and whatever they want, without regard to my instructions. They were also supposed to change my account to 1 due date instead of 2. Also, I repeatedly tried to change the amount that is autodrafted each month to make more than the minimum. The system keeps defaulting back to minimum payments. One month it took out double payments. You can not access all of your auto payments at once. The system only shows you info for the loan that is due next. So you have to check the system every day. I have also tried to change my acct to " DO NOT ADVANCE MY DUE DATE '' but the system won't allow that change, it just puts up an error. It was set to " Do not advance '' before, but somehow was changed without my knowledge. ( Advancing the due date only adds more interest ). Furthermore, one of my loans received {$0.00} applied to it, ( which caused the balance to increase more than it was the previous month ), even though I paid {$51.00} EXTRA on that payment. The people at this company kept " checking with their managers '' and I have yet to receive an answer of rectification on that either. I also emailed my concerns to the company. Not only have they not responded, there is no record of it on my account. That being said, their website is completely unhelpful.

Company response to consumer: Closed with explanation