vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is the second leg of a complaint I filed earlier. Over {$5000.00} was taken from my checking account one morning at XXXX XXXX. The transactions were not authorised and about half of the sum was returned immediately, while {$2400.00} was held in " pending '' status. The amount of {$2400.00} was removed from my bank account nonetheless. Chase cancelled my debit card after I reported the fraudulent transactions. It was days before Chase returned the sum of {$2400.00} to my bank account. It sent me a very brief letter explaining that the case was closed, and made no attempts to explain why the fraudulent transactions occurred in the first place. 

Furthermore, I had reported the fraudulent charges on XX/XX/XXXX. By XX/XX/XXXX, I was still waiting for my replacement debit card. I finally called Chase on XX/XX/XXXX to ask why my debit card hasn't arrived, and after being on the phone for XXXX minutes and having spoken to XXXX different Chase employees, I was on the line with XXXX XXXX from the credit card department. I was told that because Chase had previously tried to send me replacement credit cards that did not reach me, I was on a list for undeliverable mail ( or some such ; I can not remember the exact description used ) and I had to speak to the credit card department to get my name off. I asked why Chase couldn't navigate this internal bureaucracy on its own and the employees gave no explanation. I was on the speaker phone throughout this XXXX ordeal to get a replacement for my debit card that was cancelled as a result of fraudulent transactions, and at one point my husband spoke to me while I was on the phone. Chase employee XXXX XXXX, upon hearing my husband 's voice, demanded that he introduced himself because she could hear him on our call. XXXX then informed me that if I needed my debit card urgently, and I do, since I have waited weeks for it, that I needed to pay a {$5.00} " rush fee. '' Having failed to deliver my debit card after XXXX weeks, Chase now requires me to pay a fee to get the job done. I refused the fee, and XXXX informed me that the replacement debit card would be delivered by without the " rush service. '' Chase 's customer service is truly appalling, to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are not correct, and it's causing me some discomfort.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian failed in their duties concerning the XXXX XXXX account in several key aspects : 1. **Verification of Debt : ** Experian did not adequately verify the debt with XXXX XXXX XXXX . The information provided by XXXX XXXX, including the lease agreement with a signature that did not match the consumer 's identification, should have raised concerns about the accuracy of the debt. Experian 's failure to ensure proper validation contributed to the reporting of potentially erroneous information on the consumer 's credit report.

2. **Dispute Resolution : ** Despite the consumer 's dispute regarding the accuracy of the information, Experian did not conduct a thorough investigation. Instead, they merely accepted the information provided by XXXX XXXX XXXX without further scrutiny. This neglect to address the consumer 's dispute directly violated the Fair Credit Reporting Act ( FCRA ), which mandates prompt investigation and correction of disputed information.

3. **Responsiveness : ** Experian did not respond to the consumer 's subsequent complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Their lack of responsiveness to regulatory inquiries demonstrates a failure to prioritize consumer protection and compliance with federal regulations. 

In summary, Experian 's handling of the XXXX XXXX account illustrates a failure to fulfill their obligations under the FCRA, including verification of debt, dispute resolution, and responsiveness to regulatory inquiries. This negligence has led to the inaccurate reporting of information on the consumer 's credit report, potentially harming their creditworthiness and financial standing.

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 2024-03-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After going through my credit profile I had saw quite a few inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I tried to pay my mortgage on the first of XX/XX/year>. Due to an issue on my end which i fully acknowledge, the payment did not go through. Due to a timing issue in my checking account, there were not enough funds in my account at the time that Wells Fargo tried to retrieve the funds. This is 100 % my fault and I gladly paid the insufficient funds fee my bank gave me. Between the XXXX of XXXX and the XXXX of XXXX Wells Fargo tried to retrieve the funds 3 times. All 3 times failed because of insufficient funds. I spent those two weeks thinking the payment had gone through and did not login to my bank or Wells Fargo to check. At NO POINT did Wells Fargo try to contact me to tell me there was a problem with the payment. Had they told me, i could have corrected it in less than XXXX XXXX. The last day of the month to pay my mortgage without a late fee is the XXXX. Wells Fargo sent me an email on the XXXX telling me it was late. I was not monitoring my emails and did not find out that my payment was late until they called me on the XXXX. Again, I fully acknowledge that not seeing that email on the XXXX was my fault. But by that time it was already too late to rectify the situation. 

So, my complaint is that even though Wells Fargo knew there was an issue with my payment, they did not tell me of the issue until it was too late for me to rectify it without incurring a {$50.00} late fee. My complaint is NOT that they didnt call me until the XXXX. Thats fine. My complaint is that the very first time they tried to contact me AT ALL, was the XXXX. 

Wells Fargo opened a complaint ticket for me and investigated. Their explanation is that they dont contact the user until the XXXX attempt of payment has failed. I dont know if that 3rd attempt always happens after late date but at least in this case, their policy of not contacting the user after the first two attempts has forced me into a late fee. I found this explanation to be inadequate as all it means is their policy is to withhold information until its too late. 



Thank you

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 2024-03-11 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Credence debt collector is claiming that there is a debt of {$420.00} owed for XXXX XXXX from XXXX years ago. When I used XXXX XXXX last was in XX/XX/2022, my last payment from XXXX address in XXXX was {$7.00} that was paid in full before relocating to TN. This balance of {$420.00} only recently showed on my account with the last few months. They are claiming that the information is true without any additional information of where these debts come from or what address they are associated with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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:
These inquiries do not belong to me, and I have no association with the listed creditors.

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 2024-03-11 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.
State: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.t.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX and Transunion the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On XXXX the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.

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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the New York Credit reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX  ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: AZ

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: OK

Complaint narrative:
Requested validation notice from the debt collector about my debt. Collector refused to provide validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
look at my credit report an inquires i never inquired for anything from these companies, ally XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
its XXXX different addresses that dont belong to me these addresses are nonmailable XXXX, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX il XXXX

Company response to consumer: Closed with non-monetary relief