vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experience, and spoke to XXXX member I'd XXXX to have the inaccurate address removed from my report, they said it is there policy that they can not remove them if they are linked to an account that is not finalized, under federal law 15 U.S.C. 1681 governs Accuracy and Experian is reporting inaccurate information and refusing to fix flash. Remove the addresses. Because they are inaccurate information. Even though that they are linked to a credit account, the creditor has stated inaccurate information. I have disputed this as inaccurate information. And they refuse to fix the problem. They are in violation of this law. I would like them to remove the addresses that I have requested that they remove and any accounts associated with that address. Because of inaccurate information..

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 2024-08-11 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:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX $ .These following accounts have 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.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX $ XXXXThese following accounts have 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.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ XXXX ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. 

Your failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. 

The disputed items remain unresolved, and the details are as follows : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. 
Provide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. 
If you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by filing a formal complaint to enforce my rights under the FCRA. 

This situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I had Wells Fargo write a cashiers check that I decided to stop payment on. The check was written on XXXX, XXXX. I recieved notice from that they were successful in the stop payment, but I would have to wait XXXX  years to refund my money. Wells Fargo says they are responsible for payment and not me. My question is this true? The check amount is {$560000.00}.

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 2024-08-09 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year> I called the customer support line for Chase to report 6 fraudulent transactions on my checking account from Amazon that all happened within a couple days of eachother. Chase fraud support initiated a investigation and credited my account with the money that was taken out. As of XXXX, XXXX, 3 of the fraudulent transactions have been reposted to my account as " reversed ''. The Chase fraud escalation team said that the reversal will remain due to " amazon providing enough information to conclude you made the purchase. '' I argued that this is how fraud works and stated i did not make these purchases and have not made a purchase on amazon since XXXX  of last year which i did not claim as fraud. The representative stated " no, it's not '' and that " the purchases used your email address so we won't do anything for you '' despite the fact that ALL of the purchases were made at around the same time with the same information. The second of the 3 representatives, the same one I just mentioned accused me of lying and making a false report and stated I would need to prove that I did not make the purchases to have them refunded. I chose to escelate to her supervisor after that statement. Her supervisor ignored everything I said, spoke over me the entire time and claimed fraud is not when someone buys something with stolen information. He restated that they used my email address, thats enough for them and then refused to transfer me to another supervisor or legal team when asked repeatedly. He said they don't have one and then told me the reversal will remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX  Account number # XXXX Delete this account. 
XXXX12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: VA

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, 15 U.S. Code $ 1692c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: CA

Complaint narrative:
U.S. Code 1692e. False or misleading representations Under Fair Debt Collection Practice Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. CLIENT SERVICES ON BEHALF OF XXXX XXXX  needs to make every reasonable effort to meet their consumers ' needs, ensure its practices adhere to all federal, state, and local laws, and act with high ethical standards and professionalism. As such, CLIENT SERVICES ON BEHALF OF XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I XXXX XXXX XXXX logged into my credit report and noticed a deceptive and suspicious alleged account on the credit report. This alleged account needs a thorough investigation 15 U.S. Code 1692g - Validation of debts Fair Debt Collection Practice Act All provisions. The Fair Credit Reporting Act, All Provisions including 15 U.S.C. 1681, Privacy Act, XXXX XXXX XXXX Dispute any and all alleged debt claims owed to XXXX XXXX. No debt collector shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, but are not limited to, the following : Making false accusations to another person, including any credit reporting agencies, Threatening to sell or assign, or to refer to another for collection, the alleged debt of the consumer with an attending representation that the result of such sale, assignment or reference would be that the consumer would lose any defense to the debt or would be subjected to harsh, vindictive, or abusive collection attempts, Representing that nonpayment of an alleged debt may result in the seizure, garnishment, attachment, or sale of any property or wages unless such action is in fact contemplated by the debt collector and permitted by law are demanding proof in writing on this alleged account to ensure they are complying with the law. According to F.D.C.P.A debt buyers are required to notify you when they report negative information to a CRA, please under 1692g provide a purchase agreement so a true accounting bill can be produced as your practice violates the FCRA. Please understand I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance I need full discourses and wet autograph providing permissible purpose of consent. XXXX XXXX XXXX is demanding delete/remove from all credit reporting agencies to avoid running this risk of not being creditworthy Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Professional Recovery Management
State: SC

Complaint narrative:
I am filing this complaint against Fox Collection Agency regarding an account they have reported as verified and accurate. This account is originally for XXXX XXXX, a company with which I have no record of doing business. It appears this company is fraudulently trying to collect on a debt without providing proper notification to me of the account. Fox Collection Agency failed to contact me in reference to some type of utility account I have no affiliation with. It appears my information may have been fraudulently used to obtain this account. 

Details of the Dispute : Original Dispute Filed : On XX/XX/year>, I filed a dispute challenging the validity of this account. Despite my lack of business dealings with the original creditor, XXXX XXXX, Fox Collection Agency has responded that the account is verified and accurate. 

Request for Full File Disclosure : In accordance with the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting a full file disclosure of the method used by Fox Collection Agency to verify this account. Specifically, I am requesting : Hard evidence that traces back to the original creditor, XXXX XXXX. 
The original creditors contact information and any documentation that links me to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a very hard time setting up a successful autopay for my BofA business credit card account. I set it up online in XXXX XXXX, and the payments were never sent. I set it up over the phone, and still got charged late fees. They eventually refunded the late fees but the difficulty in setting up a successful autopay is borderline devious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX account of mine was taken and charged and reported and charged in Nevada with none of my accurate information yet they won't return my fundsbeben with documentation proving I did not live anywhere near the address or even the state. I sent police report and a identity affidavit complete history of residence through postal etc the email but I can't respond I get through they lie. I'm denied so I sent proof still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account from US Bank was closed on approximately XX/XX/year>. I called to see when i could expect the funds which is a total of roughly {$12000.00}, i was told i would revieve them in 30 days. i waited and did not get a response. 
I called again about XXXX weeks later to get an update and was told my money was being held because the money was not mine. 

I was told to go into my local branch in XXXX, CA. So i did, the branch manager then told me a needed proof that the checks i deposited into my account was intended for me. 

I attempted to show the manager that i did work for the owner of this company, they then told me i needed to provide a XXXX document to prove i worked for this company, I didnt have it at the time. 

Days later i was able to retrieve a XXXX form, i then was told that the document wasnt enough and that i needed more proof and didnt accept the document.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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