vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: OK

Complaint narrative:
I woke up today to find incorrect accounts on my credit report, and Im completely baffled as to how this could happen. Ive been diligent in checking my report, and now there are errors that appeared out of nowhere. I tried refreshing my browser, thinking it might just be a technical glitch, but the false accounts stayed put. I feel helpless and am begging for the documents I provided to be reviewed thoroughly so I dont have to live in fear over this anymore.

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 2024-12-23 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agencyregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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 2024-12-23 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agencyregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted Jefferson Capital LLC about the collection account ( s ) XXXX XXXX listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
Car was broken into police report received XXXX XXXX  XXXX as well as many complaints to the companies that the increase is made of I did not furnish my credit to anyone or have them attain my information. I would like to remove these hard inquiries, cause I did not authorize none for anybody to use my credit

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 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Complaint of Escrow Mismanagement and Non-Compliance by Wells Fargo Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Home Mortgage for mismanagement of my escrow account, which I believe violates the Real Estate Settlement Procedures Act ( RESPA ) and federal escrow servicing regulations. 

Complaint Details Failure to Provide a Required Escrow Analysis After Refinancing : After refinancing my mortgage in XX/XX/XXXX, Wells Fargo issued only a close-out escrow statement. However, they failed to conduct the required annual escrow analysis in XX/XX/XXXX to project and adjust my escrow account for the new loan. 
This failure caused underfunding of my escrow account, leading to an unexpected shortage disclosed in XX/XX/XXXX. 
Multiple Escrow Analyses in XXXX : Wells Fargo conducted XXXX analyses in XXXX and XX/XX/XXXX, creating confusion and revealing a shortage of {$1300.00}. The XXXX analysis attributed this shortage partially to underfunding caused by the lack of a XX/XX/XXXX analysis. 

Discriminatory Treatment : As an XXXX XXXX  homeowner in an economically disadvantaged area, I believe Wells Fargos handling of my escrow account reflects systemic neglect and substandard servicing practices that disproportionately affect minority borrowers. 
Impact : This mismanagement has caused financial strain and emotional distress, undermining my ability to plan for and meet my financial obligations.

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 2024-12-23 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: SC

Complaint narrative:
I received a copy of my credit report and found that XXXX XXXX XXXX Acct. XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from 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 non-monetary relief
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
Hello My. XXXX is XXXX XXXX i am making this police report about a derogatory mark the company called L.J ross Associat put a derogatory mark on My crdit report. I contact this company and ask for information. They don't want to give me any information. And they Say i have to call to XXXX and XXXX Say i have to make a police report. In order they can remove this derogatory from My crdit report plese someone can helpe. I am follow all the step in order. And i need helpe to remove this derogatory mark from My crdit this is a police report i am doing...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
XXXX Bounce AI , Inc . 
XXXX XXXX XXXX, # XXXX XXXX, New York XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Bounce AI, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account # : XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
I am submitting a claim in reference to this company knowingly reporting inaccurate data.My Credit profile has been affected by these Penalties this looks suspicious and deceptive, I demand proof To See valid authorization and the validity of alleged debt. Reporting without proper disclosure Requirements are in direct violation of my Consumer, rights I XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to answer back in 30 days failure to comply with these federal regulation by the FTC u.s C41, et seq. ( 211 form ) I am Maintaining careful record On my communication with your company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I am submitting a claim in reference to this company knowingly reporting inaccurate data.My Credit profile has been affected by these Penalties this looks suspicious and deceptive, I demand proof To See valid authorization and the validity of alleged debt. Reporting without proper disclosure Requirements are in direct violation of my Consumer, rights I XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to answer back in 30 days failure to comply with these federal regulation by the FTC u.s XXXX, et seq. ( XXXX form ) I am Maintaining careful record On my communication with 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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: HI

Complaint narrative:
On XX/XX/year>, my paycheck was deposited, and I paid all my bills. 
Then on XX/XX/year>, I noticed that US Bank had frozen all my accounts. 
I called US Bank and was transferred to a phone number that was closed for the weekend. 
On XX/XX/year>, I called US Bank and was told that due to them not having my physical address my accounts had been frozen ( I have had the same address for XXXX years with no problem ). So, I gave my physical address. 

Despite that I called and gave my physical address on XX/XX/XXXX and XXXX, the hold was not lifted until XX/XX/XXXX. 

By then XXXX items had been returned as insufficient funds causing me {$130.00} in fees and lots of other issues. 

These fees were due to no fault of my own and I asked US Bank to refund the fees I was charged due to their actions. They refused.

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 2024-12-23 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: CA

Complaint narrative:
Re : Request for Deletion of Accounts and Block of Inquiries I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts and inquiries associated with the breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the affected accounts and inquiries that need to be blocked and deleted : ACCOUNTS 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 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 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 2024-12-23 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: CA

Complaint narrative:
Re : Request for Deletion of Accounts and Block of Inquiries I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts and inquiries associated with the breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the affected accounts and inquiries that need to be blocked and deleted : ACCOUNTS : 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 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 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
As I know it when you have a dispute with a charge on your checking account, you can dispute it with your bank and the bank will investigate and give you a Provisional Credit if they have not made a ruling within XXXX days. 
I have a dispute with a purchase made for an oil change that was not used. I tried to get a refund but was unable to do so. 
I then filed a dispute with my bank Chime Bank and waited the 10 days for my credit. 
When Chime didn't give me the credit {$49.00} I contacted their Customer service and was told that they didn't have to give me a credit because the purchase was a service and I would have to wait XXXX to XXXX days before they would credit me. I looked this up and didn't find anything saying they can do this so I'm filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and request an investigation into inaccurate reporting on my credit reports by XXXX XXXX and XXXX XXXX. These accounts were paid off in full, yet they continue to be reported as charge-offs on all three major credit reporting agencies ( XXXX, Equifax, and XXXX ) XXXX 

Additionally, I did not receive a XXXX form or a XXXX regarding these accounts. Despite my obligations being fully met, these accounts remain inaccurately reported on my credit profile. 

I am requesting the following actions : XXXX. An immediate investigation into XXXX XXXX XXXX XXXX XXXX reporting practices concerning my accounts. 


XXXX. Correction and removal of the inaccurate charge-off statuses from all three of my credit reports. 


XXXX. Written confirmation that these matters have been fully resolved, along with supporting documentation for my records. 



Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I tried to rent a car to get me back home to XXXX XXXX XXXX through XXXX XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX XXXX  and my truck broke down outside XXXX XXXX When I put my card information inside the website to XXXX XXXX XXXX XXXX  some how XXXX XXXX  stole my card information and input it in their system. When I got to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX had no reservation for me. To get me back home to XXXX XXXX XXXX I used reward points I accumulated with XXXX XXXX because I frequently use them. I never even heard of XXXX XXXX until they appeared on my bank statement. I never flown on an airline even associated with XXXX XXXX. I tried to have the charges reversed XXXX times with Wells Fargo for unauthorized use of my card but they are denying my claim. Apparently XXXX XXXX  is telling them that {$720.00} charged to my card is for an airline ticket I bought and I was issued a boarding pass with their airline. I never flown an XXXX XXXX flight at any time in my life neither have a flown out of any airport in XXXX XXXX This information can be checked with the airports and XXXX which Wells Fargo refuse to do so far as I am concerned Wells Fargo investigation into unauthorized use of my card is botched.

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 monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-12-23 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: IL

Complaint narrative:
I was a part of a data breach, and I have inquiries on my report that I don't know nothing about

Company response to consumer: Closed with explanation