vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I had a dispute with Wells Fargo that was for an amount around {$1100.00}, for some reason they only sent me a check for {$1.00}. A literal dollar even though the dispute was for around {$1100.00} and can not provide information over the phone to me, I need the rest of the money from the dispute.

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 2024-11-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX when I had funds for the XXXX that was used to cover behind payments of XXXX after forbearance. But they report me late.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX when I had funds for the XXXX that was used to cover behind payments of XXXX after forbearance. But they report me late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX when I had funds for the XXXX that was used to cover behind payments of XXXX after forbearance. But they report me late.

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 2024-11-25 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: GA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX XXXX, and they're stating on the results letter that they've verified through third party Lexis Nexis which I don't understand how this is possible. I have a security freeze that was placed on my credit file since XXXX. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
At the end of XX/XX/year>, I received notification that my Chime account will close. My account closed with about XXXX total of pre authorizations hold from hotel deposits. This was XXXX ( XXXX ) transactions in my checking and XXXX ( XXXX ) transactions on my XXXX account. The funds were released in the checking account, however, posted in the creditbuilder account. Despite, sending chime documents from that merchant ( XXXX XXXX ) stating that they didnt post the transactions, Chime refuses to reverse the transactions. I have contacted Chime customer service agents over XXXX  times since XXXX XXXX XXXX, requesting documents about the closure, rescinding the posted transactions and a closure check. To date I have none of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
negative score due to incorrect information, ned to update info

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 2024-11-25 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: NJ

Complaint narrative:
Details of the Account in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : The account is invalid and should not be reported. The collection agencys inclusion of this account potentially violates HIPAA protections by improperly handling or disclosing medical information. 

Dispute History I have disputed this account in XXXX and XXXX with Experian, XXXX, and XXXX. Only XXXX has handled the dispute properly by deleting the account from my credit report the first time it was disputed in XXXX. Both Experian and XXXX, however, have marked the debt as verified without providing adequate documentation to substantiate their findings. I have disputed this several times over the past XXXXXXXX XXXX. 

FCRA Violations The continued reporting of this invalid account and failure to provide proper verification constitutes a violation of the FCRA. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed information.

Section 611 ( a ) ( 6 ) ( B ) : After completing an investigation, the agencies must provide a written explanation of how the information was verified and the method of verification.

Section 609 ( a ) ( 1 ) : Consumers have the right to request and receive all information in their credit file, including the documentation used to verify disputed accounts.

Section 623 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate.

Section 623 ( b ) : Upon receiving notice of a dispute, data furnishers must investigate, correct any inaccuracies, and report the results to the credit reporting agencies. 

Requested Documentation for Verification If Experian and XXXX intend to continue reporting this account, I demand the following verification documents : Proof of Debt Validation : -A copy of the original agreement or contract between myself and the original creditor.

-Any detailed statements, invoices, or payment records supporting the balance owed.

Verification Details : -A description of the steps taken to verify the debt.

-The name, contact information, and address of the original creditor or collection agency responsible for the verification.

Evidence of Compliance with HIPAA : -Confirmation that no sensitive or protected health information was disclosed or misused during the collection or reporting process.

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 2024-11-25 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: U.S. BANCORP
State: WV

Complaint narrative:
XX/XX/year> USBank XXXX XXXXXXXX XXXX XXXXXXXX I was the victim of a hacker into a utility account and was tricked into buying gift cards to pay the utility ( XXXX ) I purchased gift cards at target with 2 different us bank cards, one {$720.00} and another {$360.00} less than XXXX XXXX after purchasing the gift cards and giving the numbers to the supposed XXXX employees, I alerted USBank that I thought I had been scammed. The transactions were still pending. My specific problem with US Bank is that I was assured that I had stopped payment, since the transactions were still pending, and that I had caught the scam in time, by the representative of US Bank at XXXX. I was assured that I would not be liable for the charge, since it was supposedy stopped. My cards were deactivated and reissued. Purchased gift card at XXXX. Talked to US Bank at XXXX. I called again the next day and was again assured that I had stopped payment and caught it in time. I was never told that there was going to be an investigation. I was given the impression that the transaction was cancelled at XXXX on XX/XX/year>. I called the gift card issuer, XXXX XXXX XXXX, the police, XXXX and filed with the FTC the same day. I would have returned to XXXX to further pursue cancelling the gift cards, if I had been aware that the payment had not been stopped by US Bank. They delayed several weeks in sending a letter informing me that they were investigating the fraud claim and could decide against me. By this time it was to late to seek recourse with XXXX. The charge cleared on 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I bought a ring for my wife with no interest for 18 months. I was never told if the balance wasn't paid in full after 18 months that interest would be added on from the date of purchase for the full price. I also was not told that the interest rate would be 35.99 %. I never would have agreed to these terms and I would have used my bank credit card instead. I asked for one more month and I will pay the balance in full if they drop the interest charge of {$1700.00} but they just said I signed a contract and wouldn't do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/2024, I was a victim of stolen personal items from my vehicle. During this process with the original account ending in ( XXXX ) we were instructed by the branch banker to close down our account. During that process the banker asked us for information on all outstanding checks and checks that had not yet cleared. Upon reporting all the proper information we were given a new account. ending in XXXX. 

Moving forward, about a month after we closed down the old accounts and we were working to get everything resolved we received notification from our bookkeeper that the bank had paid one of the stolen checks despite closing down that account. Upon receiving this information, we immediately went into our branch and was instructed to open another claim on or around XX/XX/2024. 

It was during this process we were given case number ( XXXX ). It was explained to us during this process that the check number was misconstrued by the banker taking the claim and she categorized the check as authorized and to be paid. Due to this internal bank error our new account ending in ( XXXX ) was deducted without authorization due to a stolen instrument. 

At this present time, we submitted our claim some ( XXXX XXXX XXXX and according to US Bank everything has been received and it's still under investigation. My issue is we were never given a preliminary credit despite being a branch error. At this present time, it is causing extreme Fianacial hardships, and I request at least a provisional credit while we work through the details of the claim that's almost XXXX XXXX old.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I got an installment loan, made timely payments until an accident. Before I got back to work, they sold the loan and reported a charge off without supplying me with appropriate paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I got an installment loan, made timely payments until an accident. Before I got back to work, they sold the loan and reported a charge off without supplying me with appropriate paperwork.

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 2024-11-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-26 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: MA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : 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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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