vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
I am writing to formally dispute the reporting of an XXXX XXXX account on my TransUnion credit report. This account was sent to collections and shared without my knowledge or consent. The unauthorized sharing of my personal information and the subsequent collection actions constitute a violation of my privacy and consumer rights. I demand the immediate removal of this account from my credit report and request a thorough investigation into these actions. 

Issue Identified The XXXX XXXX account reported on my TransUnion credit report was sent to collections without my consent. I did not authorize the sharing of my personal information with any third parties, nor did I authorize any collections actions related to this account. 

Violations and Impact The unauthorized sharing of this account and the collection actions taken violate my rights under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has caused significant distress and potential damage to my credit profile. The presence of this collection account on my report negatively impacts my credit score and overall financial standing.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this unauthorized collection account violates this standard.

2. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or unauthorized. 
3. Right to Privacy : The unauthorized sharing of my personal information without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.

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 2024-08-07 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: CO

Complaint narrative:
This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX.

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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank allowed someone ( who was not me or who I didn't not give permission to or consent to ) to deposit my XXXX IRS XXXX XXXX check that was supposed to be mailed to me on XX/XX/XXXX, into their account with no proper precautions or security measures. I didn't receive a phone call until my check was already deposited and withdrawn from that person. The check was never verified because if it was- it would have been flagged and stopped. The check has my name, address, phone number and all on the check where they allowed someone with an entirely different name freely deposit into their account with no questions or flags asked. Someone was being lazy and not doing their job, which is negligence towards me, I had things planned with my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a cbeck through the Wells Fargo atm on XXXX at which time I was alerted the funds would be available on XXXX. On XXXX I saw the check was posted but Wells Fargo did not post the funds to my account- over the course of XXXX to XXXX days ( XXXX ) Wells Fargo repeatedly lied to me as to why the funds were being withheld- even claiming possible fraud on the check writers part and to call her bank- her bank said there was no problem on her account and on XXXX XXXX XXXX told her that Wells Fargo had the funds from her account as of XXXX XXXX so Wells Fargo got the funds from the check the day after I deposited the check but claimed they did not, sending me a letter stating suspicious activity or the like as the reason for withholding the funds although the check showed posted. Wells Fargo maintained the stance of not yet having the funds so the lady who issued the check went back to the bank to get me a cashier check and thats when she found out Wells Fargo already had the funds from her bank but just didnt release the funds to my account. This whole time- Wells Fargo kept maintaining that the check had not been funded - there was a legitimate hold and they were not going to have the funds until XX/XX/24 Wells Fargo is no stranger to fraudulent and unnecessary withholding of funds ( last class action was last year ) and it seems they are still operating in Bad Faith And unlawfully withheld funds that they already got paid for by the check writers bank. Wells Fargo willfully engaged in this unlawful business practice even though they just lost a class action lawsuit for the very same offense. I would like to persue legal actions against Wells Fargo and I am reporting this repeat violation on their part.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-07 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: OH

Complaint narrative:
I am requesting the method of verification used by Experian for disputed information on my credit report, which was previously deleted due to an identity theft report but has since been re-added. Under FCRA Sections 605B and 611 ( a ), I am entitled to detailed information on the verification process and documentation used. Despite submitting an identity theft report filed with Federal Trade Commision on XX/XX/2024, the disputed item remains on my report. I request the name, address, and telephone number of the entity contacted, a description of the verification process, documents used, and an explanation for re-adding the item. I expect compliance with FCRA laws and the removal of the disputed item if verification can not be provided.

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 2024-08-07 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:
This is extremely worrisome. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my 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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Dear Sofi Support Team, I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX I urge you to review my account and the transactions in question as soon as possible. Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. This creator XXXX XXXX  has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XX/XX/year> Transunion LLC, XXXX XXXX and XXXX RE : Notice of Claim and UCC-1 Financing Statement Dear Transunion LLC XXXX XXXX XXXX and XXXX I XXXX XXXX XXXX and XXXX XXXX XXXX am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the XXXX Secretary of State, filing number XXXX ( XXXX ). 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( s ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express XXXX XXXX  XXXX  had an advertised signing points Bonus for new customers of XXXX points after meeting the spend. I did not initially qualify since I had a security block on my credit. I removed he credit block and called the advertised number to resolve my pending application. At the time of the phone application the agent confirmed I would receive the points for the signing new customer offer once I met the spend. I met the spend and called customer service to check o the point. The agent confirmed I would receive the points in XXXX weeks. I called again and this time they stated I did not qualify even though I met the spend. This was escalated and again it was communicated I would receive the points. I waited and few weeks later i did a chat to obtain an update and it was back to the message that I did not qualify even though on multiple occasions the customer service agents confirmed I would receive he points. I escalated and the XXXX pulled the call recordings of the agents stating I would receive the points and it has not been almost XXXX  months and I still do not have the points. I met the spend and was told multiple times I would be provided the points I earned and yet I have not been provided the XXXX point bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: DE

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to XXXX TransUnion XXXX and they have not acknowladged my despute TransUnion XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX OF XXXX XX/XX/year> Acct : XXXX {$9700.00} DEPT OF ED/XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} U S DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}

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 non-monetary relief
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Experian RE : Notice of Claim and UCC-1 Financing Statement Dear XXXX XXXX XXXX XXXX XXXX and Experian I XXXX XXXX XXXX and XXXX XXXX XXXX am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the Florida Secretary of State, filing number XXXXXXXX XXXX XXXX XXXX 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.

Company response to consumer: Closed with explanation