vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contact the credit agency concerning this matter and have not received a response as of yet. i asked that the hard inquires be removed because they were not authorized to run my credit without my permission

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TN

Complaint narrative:
THIS COMPANY IS A 3RD PARTY DEBT COLLECTOR THAT IS TRYING TO COLLECT A DEBT THAT HAS ALREADY BEEN REMOVED FROM MY CREDIT FILE AND DEEMED AS THEM HAVING NO AUTHORITY TO COLLECT ON IT. IT WAS SOLD AND THE COMPANY THAT SOLD IT A 1099 C HAD ALREADY BEEN FILED. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT AND THEY THEN PLACED IT BACK ON MY CREDIT REPORT WHICH IS ILLEGAL TO DO SO

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.

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 2024-05-08 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: OH

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear AXCSSFN/CNGO, I am writing to report an incident of unauthorized debt collection attempts made by AXCSSFN/CNGO. Despite the debt not being owed by me, AXCSSFN/CNGO persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ).

The incident occurred over the past [ time period ], during which AXCSSFN/CNGO repeatedly contacted me, claiming that I owed a debt to AXCSSFN/CNGO. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, AXCSSFN/CNGO continued their collection attempts. 

Furthermore, AXCSSFN/CNGO repeatedly contacted XXXX, XXXX, and XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ).

Numerous attempts were made to communicate with [ Debt Collection Agency Name ] to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer.

As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation.

I urge you to take appropriate action against [ Debt Collection Agency Name ] to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXXXXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I want these incorrect numbers removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. As well as this incorrect name : 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 2024-05-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I want these incorrect numbers removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. As well as this incorrect name : 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 2024-05-08 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: GA

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote and mailed a check for {$1100.00} from our Wells Fargo bank account to the owner of an apartment complex which we had recently vacated. I received a call from the apartment owner on XX/XX/XXXX that they had not received the check. On the same day I went to the Wells Fargo website to and discovered that the check had been posted as cashed on XX/XX/XXXX by a person to whom the check had not been written. It was endorsed an unauthorized payee for Deposit only to a bank in XXXX XXXX. 
My husband and I have tried several times via phone and an in-person visit to the bank to rectify this and for them to make good on their error. They keep putting us off. I have kept all emails from them regarding this. It has been escalated and assigned to this person at Wells Fargo : XXXX XXXX. 
XXXX Representative XXXX XXXX XXXX XXXX po box XXXX, XXXX XXXX, SD XXXX I was referred to this website by a representative at XXXX XXXX XXXX XXXX in California as this is considered elder abuse.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been asking Myequifax.com to help me with access to my account for months and nothing never happens ...... I want them to fix my account so I can access myequifax.com account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/year> someone got my debit card information and made a transaction of {$1800.00} for XXXX Purchase XXXX In California. I called immediately to USAA and notified them of the unauthorized transaction. I practically begged them to cancel the money withdrawal and they said they needed it to go through in order for them to investigate. I called multiple times to ensure that the dispute was in the system and ensured that they would take care of it. The money got taken out and they refunded me the {$1800.00} along with the other withdrawal of {$130.00} which was Event XXXX. Fast forward to three days ago I received a notification saying that USAA was taking the {$1800.00} back out because they talked to XXXX and they said I was the one that authorized the transaction. I was baffled, because when you steal someone's information, you literally steal it to seem convincing. I called them and asked them to look at my account and note that there have not been any charges within the State of California at any time. I have never purchased any concert tickets in my life nor do I feel the need to waste close to {$2000.00}. They are still saying the charge isn't fraudulent and I am still out of the {$1800.00}. I still don't understand how they can not look at the call logs and see I was trying desperately to cancel the transaction and called numerous times to get it cancelled only to be told they had to let the charge go through and they still don't protect my money. What is interesting is my zip code on my Driver 's License does not match the zip code USAA has for my mailing address which would be needed for claiming physical tickets.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX and XXXX - XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: TN

Complaint narrative:
I had {$2000.00} in my cash app account on XX/XX/XXXX cash app remove the money from my account and sent it to the New York XXXX XXXX XXXX. Contacted The original debt collector XXXX XXXX XXXX XXXX I since called them for them to return my money and they said they returned it to the new XXXX office in the XXXX office said they returned it to Cash App and Cash app refuses to give any life support or any phone number. Everything is done via messenger on the app Im looking to get my {$2000.00} back that they fraudulently took

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I moved into the XXXXXXXX XXXX on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need the XXXXXXXX XXXX removed from my credit immediately. 
This is the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA 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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or around XX/XX/year> I opened a Business Checking account at the nearest Chase Bank located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, with a Check for the amount XXXX and a Chase debit business card was sent to me a few week later, when I tried to access the funds at the same chase branch a representative from chase informed me the account its been suspended due to no able to verify with the owner of the check to make sure the fund were actually legit, I asked to talk to someone from the branch and I was assigned to a branch personnel at which at this point she called Chase fraud customer service and informed me that the account have been closed and they couldnt get in touch with the owner of the business check that issued the check. They advised me two of two option, the first one was to place an stop payment of check or the second option is to have the owner of the check to update his contact information in order for Chase to verify the check was actually issued to my company XXXX XXXX XXXX XXXX ) I spoke right after with the owner of the check and he started the process of contacting his phone carrier and make sure that the check name was under his phone number, He also contacted XXXX to place an stop payment on which after a few days, XXXX informed him that the funds have cleared his account and that Chase Bank now has those funds. On or around XX/XX/XXXX XXXX received a letter from Chase Bank advising me of a negative balance of the account, since the account was already closed, I have been in contact with Chase after that like 5 occasions and they continue telling me that the phone number shown in his database doesnt Match the phone number that I also provided to Chase in order to verify with the owner of check. I went to two more Chase branches accompanied by the company owner who issued the check to my company and a Chase manager at the branch located at XXXX XXXX XXXX XXXX, XXXX FL XXXX after speaking with him and identified the identity of the checks owner, the Chase manager initiated a formal complaint that generated a call from Chase customer services about a week later on XX/XX/year> where she informed me that she will be investigating further, after couple of days later I received another call from XXXX and after going over the whole situation, she informed that the fraud department from Chase was not able to do anything again until the were able to talk to the owner of the check with the phone number that Chase has in the data base. This really frustrating to me and my family since we are not able to get access to these funds.

Company response to consumer: Closed with non-monetary relief