vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account under XXXX XXXX, Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2024-06-10 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: DISCOVER BANK
State: OH

Complaint narrative:
Confirmation # XXXX XXXX XXXX from XXXX. Date of transaction XX/XX/year>. {$1100.00} from XXXX was charged to my discover card. I canceled my reservation with booking and had also contacted the hotel to confirm that I have cancelled. XXXX said my cancellation was free of charge and within their rules of regulations and I will be granted a refund. Called multiple times as emailed XXXX and told me to submit documentation. I sent an official discover credit card statement with the charges and their name on the chargeXXXX XXXXXXXX claims they dont see a charge and will further investigate. Called discover and they said booking submitted document falsely claiming that we didnt canceled correctly and should now be refunded. Called booking again and they said that I did everything correct and that I need to resubmit documents for proof and that they will refund. Also XXXX had one representative tell me that I was a liar and that they dont see any charges which was upsetting and false and proceeded to hang up on me since they had no idea what else to say to me. I feel like XXXX can see I did all the correct steps, but corruptly sending false information so they dont have to refund their customers back and try to blame the hotel or credit card companies, when it is them that are causing all of the disruptions and are mishandling customer payments. They will always pretend that they have no idea every time I call and request documentation in email form. Ive done this every time theyve asked and they still give me the runaround. Ive contacted the hotel property and they had said I did cancel and was not charged. The hotel did not receive any funds from XXXX So at this point booking has funds that dont belong to them. XXXX keeps telling me to call the hotel or credit card company to get my money back when they are the ones who made the mistake. Then keeps sending false information to my credit card company to block me from my refund. Every time Ive called XXXX the representative informs me that I did in fact do everything correctly to have a free of charge cancellation, yet restarts the process every time and ask for documentation when this has been done multiple times. Ill follow up to check on the status and they always say Im not sure what happened, but lets restart the process again. This is suspicious behavior for a big company. They continue to give the runaround and stating that its the hotel property that is at fault. The hotel that Ive contacted will continue to say that they have not received any funding from XXXX  This needs to be resolved, weve never dealt with this before or have a company send false information to our credit card company when filing a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: OH

Complaint narrative:
The company USBC CORP put on my credit XX/XX/year> that i owed a debt of {$490.00} stating i have delinquent payment history for 5 months. This debt is not mine as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so there is no way i can have a debt from XXXX that was created. Please remove this from all credit bureaus & my credit report as i am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

15 USC 1692g

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 2024-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to express my deep concern and frustration regarding the consistently delayed transfer requests from XXXX XXXX to XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX ). Despite numerous attempts to expedite the process and diligent follow-ups, I have encountered persistent delays in the completion of these transfers. 

The purpose of an XXXX is to provide individuals with a means to save for medical expenses with ease and efficiency. However, the inefficiency and delays exhibited by XXXX XXXX  in processing transfer requests severely undermine the functionality and purpose of the account, leaving customers like myself in a state of unnecessary financial strain and uncertainty. 

Despite submitting all required documentation and adhering to the prescribed procedures for initiating transfers, as noted in the attached flier, the process has consistently been marred by extensive delays, resulting in prolonged periods of confusion. Not only does this inconvenience me personally, but it also raises serious questions about the reliability and competence of XXXX XXXX XXXX  services. 

I have initiated transfers since the XXXX of XXXX. Beginning in XXXX of XXXX, transfer requests began to be canceled outright or stopped processing. Transfers on XX/XX/XXXX and XX/XX/XXXX are such examples. 

The transfers initiated on XX/XX/XXXX and XX/XX/XXXX are currently active. Neither request has been acknowledged by XXXX XXXX. In fact, XXXX XXXX has informed me that XXXX XXXX simply refuses to communicate anything of substance, claiming something is defective in the request but due to privacy reasons, unable to disclose the issue to XXXX XXXX. When I call XXXX XXXX to determine the alleged defect, they have no idea that any issue exists and that I should simply have XXXX XXXX initiate another transfer request. Bureaucratically, this resets the clock on their inaction and gives XXXX XXXX another ten days to not act. 

I have been a loyal customer of XXXX XXXX since XXXX and have always expected a certain standard of professionalism and efficiency from the institution. However, the repeated failures to meet even the most basic expectations have left me deeply disappointed and disillusioned with their services. 

Moreover, the lack of transparency and communication throughout this ordeal has only exacerbated my frustration and the financial burden caused by these delays. I respectfully request that the CFPB intervene on behalf of consumers like myself and ensure that XXXX XXXX implements immediate measures to streamline their transfer process and prevent further delays and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called to speak to a Wells Fargo associate about the dates and times about my transaction posting at first they told me that my check posted then it was pending, and then it posted itself again after I had paid my rent, paid rent and money out of the ATM before I transfer {$71.00} and change to my bank account Theyre telling me that the money was credited to my account before I had the chance to physically make the transaction which is impossible. What sense does it make to credit a transaction without even knowing that there would be a transaction in the first place? clarification on this and I eventually got a manager on the phone or somebody claiming to be the manager at the California center. She was basically trying to trick me into reverting what I was saying, but I still never received my {$71.00} and some change from this company and I clarified it with XXXX XXXX  that I had sent it over and paid for it to be sent immediately. Wells Fargo did not make it immediately available. They pinned the transaction until today which is Sunday XXXX days later than when the actual transaction was made and they snuck it from a pending status to a posted status and still did not give me a balance for my money, the manager just simply told me whatever I needed to hear to feel better about the situation in order to get off the phone instead of solving this issue for me I also would like to add that I made an instant Transfer from my XXXX XXXX to my account today and it was made available immediately so theyre choosing to do this with me based upon their own discretion

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 2024-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : 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 explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

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 2024-06-10 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: NC

Complaint narrative:
In accordance with the XXXX Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated XXXX XXXX XXXX They have also stated that I had Late payments on XXXX accounts and this never occured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section XXXX. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information related 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 2024-06-10 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: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XXXX - XXXX XXXX, 2023 XXXX - XXXX XXXX, 2023

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 2024-06-10 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: NY

Complaint narrative:
I am writing concerning my credit report, which contains inaccurate and incomplete information that necessitates your immediate attention. I specifically wish to dispute the account : The basis for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already rectified these inaccuracies due to an identified error. I am perplexed as to how your bureau has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

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 2024-06-10 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:
I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is the result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 
I expect a written response acknowledging the receipt of this dispute letter and detailing the actions you will take to rectify this situation. Additionally, I request a copy of my updated credit report once the corrections have been made. 
I contacted the bank associated with this account, and they have confirmed that the account was fraudulent and has been removed from their records. Despite this, the account remains on my credit report with your bureau : XXXXXXXX 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 2024-06-10 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:
I was looking over my credit report and noticed some invalid collections that should not have been on my credit file. This is really affecting my credit file tremendously and is causing distress in my everyday life.

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 2024-06-10 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: GA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX credit report on XXXX XXXX XXXX  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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinve
stigation 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 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 2024-06-10 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: GA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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