vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a leased XXXX XXXX with XXXX XXXX  and for the first time after 6 years there was a misunderstanding between XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason XXXX didn't get the money, no one from XXXX XXXX contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did XXXX charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by XXXX XXXX now this action on their part dropped my credit score by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.

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 2024-01-06 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: NV

Complaint narrative:
In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XX/XX/XXXX, have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX. The specific items are reiterated below for clarity : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 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: SC

Complaint narrative:
There were several accounts open in my name 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

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 2024-01-06 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: SC

Complaint narrative:
There were several accounts open in my name 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: LA

Complaint narrative:
I had an account with XXXX that was charged off in 2022 and sold to a collections agency, I settled this debt in 2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.

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 2024-01-06 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: LA

Complaint narrative:
I had an account with finrise that was charged off inXX/XX/2022 and sold to a collections agency, I settled this debt in XX/XX/2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.

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 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear cfpb I am writing to express my dissatisfaction and anger over the recent data breach and misuse of customer information that occurred at your bank. I am one of the millions of customers who were affected by this incident, and I demand a full explanation and compensation for the harm caused to me.

According to the Consumer Financial Protection Bureau ( CFPB ), your bank illegally assessed fees and interest charges on auto and mortgage loans, wrongly repossessed cars, misapplied payments, charged surprise overdraft fees, applied incorrect charges to checking and savings accounts, and improperly froze some accounts [ ^1^ ] [ 1 ]. Moreover, your bank accidentally leaked confidential information about tens of thousands of your wealthiest clients to a former financial adviser who subpoenaed the company as part of a lawsuit [ ^2^ ] [ 2 ]. Additionally, your bank mistakenly provided personal information of some customers, including their names and social security numbers, to another customer while processing stimulus payments [ ^3^ ] [ 3 ]. 

These practices are not only unethical and irresponsible, but also illegal and in violation of various consumer protection laws. As a result of your negligence and misconduct, I have suffered financial losses, emotional distress, and increased risk of identity theft. I have lost trust and confidence in your bank, and I feel betrayed and violated by your actions.

I request that you take immediate and effective measures to remedy this situation and prevent any further harm to your customers. Specifically, I ask that you : - Provide me with a detailed account of how and why the data breach and misuse of customer information occurred, and what steps you have taken to secure and protect the data.

- Refund me any fees, interest charges, or other costs that I have incurred due to your errors or misdeeds, and correct any errors or inaccuracies on my credit report or account statements.

- Offer me free credit monitoring and identity theft protection services for at least two years, and reimburse me for any expenses that I may incur to safeguard my identity and credit.

- Apologize sincerely and publicly for your actions, and commit to improving your policies, procedures, and oversight to ensure compliance with the law and respect for your customers.

I expect a prompt and satisfactory response from you within 10 business days. If I do not hear from you by then, or if I am not satisfied with your response, I will take further action, including filing a complaint with the CFPB, contacting my state attorney general, and seeking legal counsel. 

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase XXXXXXXX XXXX  account on XX/XX/2024. When I opened the account, I did XXXX myself the amount left from a different checking account from a different institution, XXXX XXXX. My sister transferred my savings, which was about {$7800.00}, to this checking account to transfer to a savings account in the future. I used this money to pay my tuition. I did deposit and tried to XXXX a friend. My account was locked due to suspicious activity, which I called the number. The representative informed me that my account would be closed and I am unable to open an account in the future. I asked for the reason and asked to speak to another person. I was denied to speak to anyone and was told to try to talk to another representative. I was told the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez LLC is serving my loan. They requested me to provide home insurance for my condo. I provided insurance proof as requested twice. The first time I submit the proof through submissing link they provided, they didn't reply ( around XX/XX/2023 ). The 2nd time I called and sent the proof to the representative and was told I was all set ( XX/XX/2023 ). Now I found they still saying I am not having active insurance. They sent an insurance payment from my escrow account for a lender placed hazard insurance ( I already proved I have an active one ) and asked me to pay for the cost ( dated XX/XX/2023 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually a account that belongs to me

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 2024-01-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance to Fair Credit Reporting Act, this creditor, Synchrony Care XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all XXXX bureaus.

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 2024-01-06 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX  business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: PA

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX speaks to unfair and deceptive practices both RC/RESURGENT RECEIVABL and LVNV FUNDING and XXXX XXXX are on my report damaging my report reporting without my consent on multiple bureaus. They are in violation of the privacy act of 1974. Youre misrepresenting our relationship as if we have a contractual agreement. Ive never signed an agreement with any of the mentioned three companies And It needs to be removed. 

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. 

Looking through all the complaints for these companies you are willfully destroying peoples lives and preventing them from obtaining credit and its not right. 

Your reporting late payments on collection accounts that people havent agreed to, your reporting balances and transaction history on reports which is illegal! Youre a for profit company whom understands the more debt the more mistakes the more you report the more money you make and youre taking advantage of 1000s of Americans. 

Below in the attachments you will see the violations and how willfully they non comply to the FDCPA, because they dont care to as you can see one photo states meets FCRA REQUIREMENTS which lets me know there was no real investigation done.. collections are governed by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 
15 U.S.C 1681 section 602 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 2024-01-06 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: GA

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. 

Account Name : XXXX Account Number: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 2024-01-06 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: GA

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. 

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 2024-01-06 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: 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.

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 response to consumer: Closed with non-monetary relief