vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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:
There is a Transunion inquiry recently reported on my credit report that was not authorized by me I have been a victim of identity fraud & am requesting the inquiry be removed from my credit file XXXX is the name of the company that requested information

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I see two fraudulent transactions on my HSBC checking account ( XX/XX/XXXX and XX/XX/XXXX ). I reported ( by chat ) them immediately to HSBS. I have never used my debit card and the transaction were reccurent transaction of XXXX, which I also reported to HSBC as it means that they had a databreach or unauthorized access by an employee. The same happened to my partner for 6 months. 

A few days later, I received a conditional credit, then permanent credit for one charge as well as a letter. 

On XX/XX/XXXX, I chat with HSBC to inquiry about the second charge, the agent tells me that only one charge has been reported as fraudulent and that he reported the second charge as fraudulent. 

On XX/XX/XXXX, I chat with HSBC again, the agent tells me that the second charge has been reported as fraudulent but that " there is no notes on my profile regarding the additional fraud submitted '', the agent confirmed that the second charge is not reported. 

On XX/XX/XXXX, I chat with HSBC again, and the agent told me to wait a few mroe days. 

Today as XX/XX/XXXX, I have no news.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called Experian and asked to update my personal information and have everything current and remove everything thats not accurate.

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 2024-07-20 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 challenged for certificate compliance under 15 U. S. Code 1681z9n ) an unauthorized hard inquiry that appears on my credit report. The inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/year>. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, any willful noncompliance with the Acts provisions can result in civil liability. I believe that this hard inquiry has been made without my consent, and I am challenging its legitimacy and your certificate of compliance.

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 2024-07-20 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:
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. 

XXXX. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

A. 15 U.S.C.1681 Section 602 A states I have the right to privacy.

B. 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. I did not and do not give my written instructions for these accounts to be published.

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years.

D. 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the missed/late payments on my negative accounts because I've never been late or missed a payment. 

I also asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the negative accounts. 

Lastly, I asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update balances or anything. Collections companies didn't provide proof either. 

These are the 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

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 2024-07-20 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: 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.

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 2024-07-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
according to the fair credit reporting act 15 usc 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 usc 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not my written consent. I would like all of the collection accounts in my name removed from said agencies

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 2024-07-20 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: MA

Complaint narrative:
You replied that the alleged transactions that you identified as late are verified. The following accounts are : XXXX  : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

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 2024-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Told the to send me written correspondence throw mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: NJ

Complaint narrative:
i been disputing this account with this company for over 1 year that account is not mine XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2024-07-20 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: TN

Complaint narrative:
I attempted to get them to dispute the matters and they left it verified when I never gave any consent to give out my information or put anything on 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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I opened a new checking account with Wells Fargo. This account was for a {$300.00} dollar Bonus. I needed to have a total of {$1000.00} or more in qualifying electronic deposits within the first 90 days of opening the account. 

The way I opened the account was by " searching '' for Wells Fargo Checking account bonus. The search took me straight to the Wells Fargo page which had this heading : " Get a {$300.00} new checking customer bonus. * '' I proceeded by clicking the " open online '' button. ( Underneath this button there was the following sentence " Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. '' ) This button took me to another Wells Fargo page where I could just sign on since I have a Wells Fargo account due to owning several WF credit cards. 

On XX/XX/year> I called Wells Fargo Customer Service representative since it had been well over 3 months and the criteria for receiving the bonus was definitely met but I hadn't received the bonus. The representative asked me for the " bonus offer code '' which I let her know I didn't have XXXX since I searched for the offer and then applied in the manner described in the aforementioned paragraph. She said without the offer code she couldn't do anything and that is why I hadn't received the bonus because I failed to submit the application with the offer. I explained several times you can apply with the link and don't need the code. She then placed me on a long hold and finally said she would submit a request for an investigation. 

I received the letter with the result of the " investigation '' and it said the reason for not receiving the bonus was because another bonus had been claimed. The fine print of the offer states : " You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 

You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

You are a Wells Fargo employee. '' Which none of these apply to me.

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 2024-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested a removal of a personal statements or consumer statements I have with Equifax and XXXX but still I see reflecting still. Please remove any personal statements on any XXXX XXXX that still has the fraud alert or reports as it is inaccurate. Also, remove my old phone number XXXX and update my Phone number as accurate as what I currently have access with now. My correct phone number and also the updated one should be XXXX and XXXX. All or any newly opened or reported account opening should verify it directly with me daytime phone XXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NC

Complaint narrative:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around one 30day late which never happened. This was sent to me on Report XXXX XXXX of Experian Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-20 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: MA

Complaint narrative:
You replied that the alleged transactions that you identified as late are verified. The following accounts are : XXXX  : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

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