vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, 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:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello this complaint is in regards to my checking acct at fifth third bank. 
I had an emergency on date of XX/XX/XXXX in which I had to withdrawal from a 5/3 bank atm and by mistake I had to take 2 withdrawals right after each other. 
This caused by acct to go negative by XXXX XXXXI deposited a check in the atm on XXXX the XXXX 
I checked my balance and was assessed 2 nsf charges for this for a {$74.00} dollars.I believe that this was excessive and unethical. 
I called the bank on Tuesday the XX/XX/XXXX and they offered to credit me {$25.00} for a reimbursement of a prior fee assessed in XXXX. 
I accepted the offer but it was never credited.I called the bank back the following day and I was informed that in fact I was not eligible for that {$25.00} credit. 
I had to make several call and finally a supervisor was able to credit me back some atm fees that totaled to roughly {$23.00}. 
Now today I was checking my acct and see that I was charged again a {$25.00} extended overdraft fee over the same situation. 
This organization needs to investigated their policy in regards to this is totally totally unfair and the only reason I stay with this bank is because of family member I share an acct with. 
I had made a complaint about their activities in the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : [ 3 UNWANTED INQUIRY NEED THEM REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : [ need inquiry removed ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Back on XX/XX/XXXX I spent the better part of the day explaining to the people at One Vanilla-Prepaid Visa Card that I was the recipient of XXXX ( XXXX ) {$500.00} One Vanilla Prepaid Visa Cards as a gift. I used one of the cards in its entirety and used all but {$81.00} of the second card when I lost or misplaced the same. I looked everywhere before calling Visa. I talked several times with Visa Representatives and gave them all the appropriate information to stop any further purchases on the card. The Gift Card No. was # XXXX XXXX XXXX XXXX, XXXX XXXX, Expiration date XX/XX/XXXX. 
The Representative for Vanilla One Visa informed me that I was entitled to a new card with the remaining balance of {$81.00}. They also informed me that I needed to send a photo ID, a bill with my home address on it and anything I had related to the lost card. I sent them the photo ID & redacted bill with my address & told them I had nothing else. They told me I needed to tell them where the card was purchased. Since the card was a gift to me I did not and do not want to call the donor who gave it to me and ask her where she purchased it. They told me without that information they could not process my claim. I think this is unfair and deceptive. They know I lost the card and I have given them all information necessary to provide me with the balance owed. There has been no activity with the card since XXXX or XXXX. 
My case # is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
in accordance with The Fair Credit act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX All Banks XXXX XXXX  Check Cashing Service XXXX XXXX Mortgage Reporters XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
XX/XX/2022 : The company charged a total of XXXX for a XXXX loan with a 753 % interest rate. After talking to a financial advisor, the advisor stated to negotiate my rate with the lender since this rate is illegal in Georgia. Called the company to discuss the rate. The company would not change the rate of the loan and stated that they are legal in Georgia. Provided the company with this link : https : //dbf.georgia.gov/payday-lending The company stated they will call back on Monday to discuss rates once the first payment is cleared. The company disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The Amazon connected Synchrony Bank credit card is charging $ XXXXmonth in interest payments, though the balance on the card is at {$0.00}. This feels like fleecing.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX I contacted Transunion via certified mail with USPS tracking Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED TRANSUNION SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

TRANSUNION FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO TRANSUNION.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. Transunion ( Inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX XXXX ) XXXX CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : 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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mailed a check to pay a bill through the USPS. At some point during the mailing process, the check was stolen. The payee 's name was changed to another person and cashed at a bank in Nevada. 
I notified my bank ( Chase ), both parties submitted documentation of the incident to my bank, and my bank opened a claim to investigate the stolen check. 
Over the next 6 months, I called Chase Bank for an update. They kept telling that they are waiting to hear from the bank that cashed the check to reimburse the funds. 
Today ( XX/XX/14 ) Chase responded that the funds will not be reimbursed because : WE ARE DENYING YOUR CLAIM BECAUSE THE TIME FRAME TO REQUEST REIMBURSMENT HAS PASSED. 
This is not true. This claim was submitted on time. Chase Bank has been fully aware of this claim for the past 6 months. 

During the investigation, a representative from Chase Bank said that I should not pay my bills by paper check through the US Mail. This is a very common method of payment. I did nothing wrong or unusual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CADENCE BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring account that my mortgage was reported as being more than 4 payments past due, and that a payment had not been received since XX/XX/XXXX. This caused my credit score to drop by XXXX points. I was perplexed by this because my mortgage has been in a COVID-19 Forbearance since XX/XX/XXXX. I also had not received a past due notice by mail, or any phone calls regarding my mortgage being past due and in collections. According to my Forbearance agreement I am to check in every 3 months with my Loss Mitigation specialist to provide an update relating to my employment/financials. I last spoke with my specialist ( XXXX ) XX/XX/XXXX and she advised that she would keep my mortgage in the Forbearance status because the notes show that I am currently working with the TN HAF and to check back in with them in 3 months. My mortgage statements ( see attached ) from the last 3 months ( 90 days ) show the status as COVID-19 Forbearance and there have been no late fees or additional fees incurred. If I have been past due since XX/XX/XXXX foreclosure would have taken place by now. 
I placed a call to the mortgage company on XX/XX/XXXX because of this matter and was told that it was past due from XX/XX/XXXX. That can not be, nor is it the case. My mortgage has been, and is in a COVID-19 Forbearance. I have received no notice that it had ended, nor have I received the REQUIRED exit documents that should be provided once the forbearance ends. It is required by law for me to receive those documents and to establish a repayment plan. It is also illegal for the creditor ( Bancorp South/Cadence ) to report negatively to a creditor in regards to that account. The creditor has caused damage to my credit, and it will likely cause my credit lines to be decreased. I am depending on those credit lines while in this predicament. This should be corrected and updated immediately. Please note that before the start of my forbearance my account was current. 

I would also like to add that I received a call on XX/XX/XXXX from the creditor checking my status. I advised her that it was in a forbearance, and asked why she was calling me. She provided no explanation and then transferred me to XXXX. I left a message for XXXX that day, XX/XX/XXXX, as well as 3 days later on XX/XX/XXXX to see why someone had called me. On XX/XX/XXXX I learned that I had been reported as negative and upon speaking with a representative on XX/XX/XXXX regarding this issue I was advised that she was no longer there, and that her voicemails were not likely checked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I received a collection call on XXXX XXXX, 2021 from XXXX XXXX XXXX on behalf of Absolute Resolutions Corporation, also known as Absolute Resolutions Investments LLC, in violation of the " cease and desist letter '' that I sent to Absolute Resolutions Investments LLC on XXXX XXXX, 2021. I sent this " cease and desist '' letter by certified mail return receipt and they received my letter on XXXX, 2021. The return receipt was signed by XXXX XXXXXXXX. 

Absolute Resolutions Corporation is ignoring my " cease and desist '' letter by continuing to use different collection agencies to contact me regarding a debt that I do not owe and that is beyond the statute of limitations. 

I want Absolute Resolutions Corporation to comply with my " cease and desist '' letter as is required by the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation