vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I wrote a personal check numbered XXXX to The Home Depot. Due to a miscalculation on my part the check was returned to The Home Depot NSF. I expected them to resubmit the check and made certain that I maintained sufficient funds to cover the check. In late XX/XX/XXXX, I received a communication from XXXX XXXX XXXX regarding the check dated XX/XX/XXXX. A few days later I received a second communication regarding the same check dated XX/XX/XXXX from XXXX XXXX XXXX. I went to my bank on XX/XX/XXXX and procured a Cashier 's Check in the amount of {$150.00} ( which included the amount of the original personal check of {$130.00} and the {$25.00} returned check fee ) and numbered XXXX. I immediately mailed this check via XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Cashiers Check was cashed on XX/XX/XXXX and posted in my bank on XX/XX/XXXX. While the Cashier 's Check was in route to XXXX, The Home Depot resubmitted my original personal check numbered XXXX to my bank and it was honored. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX to tell them the check was in route. I did not know at that time that the original check had been redeposited and had cleared. After finally figuring out what had transpired, I contacted XXXX XXXX XXXX again on XX/XX/XXXX, XXXX spoke with XXXX XXXX. I explained to her what had happened. She informed me that they were not equipped to handle refunds, etc. except through their website ( XXXX ). I submitted through their website the forms ( there was no manner to submit documentation ) and awaited their answer. I received their reply today, XX/XX/XXXX. Thus, the reason for my complaint

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 2024-04-05 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, XXXX is reporting a paid status while Equifax is reporting the status as derogatory which further tells me that an investigation was not done. XXXX has since removed this account. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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:
I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, Equifax, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the XXXX XXXX XXXX being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all XXXX bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting this creditor has violated my rights under XXXX5us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NM

Complaint narrative:
For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed.

I demand that this company remove any claims that are on my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo has continuously taken excessive overdraft fees ( {$35.00} per overdraft ) for every time there is a charge and that typically adds up quite a bit. 

Usually I have funds within a week or less to the account but a lot of the paycheck goes to fixing overdraft fees and puts me further behind. 

This continuous effort to " catch up '' on fees is very difficult to manage and sets me back further. 

Wells Fargo has helped in the past with courtesy reversal fees but has not chosen not to help with them any longer despite the funds returning to my account shortly after. 

Current overdraft charges of {$240.00} for XXXX transactions, most of which cost less than {$35.00} each. 

This seems incredibly unreasonable considering most other companies do not charge anywhere near that.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: FL

Complaint narrative:
I put in a fraudulent dispute with netspend about {$500.00} of my money that was stolen off my card at the atm. I explained that my money was unauthorized and they requested I get a new card as a result of that. I then submit a letter asking for provisional credit. they denied me saying they didn't see anything wrong and they closed my dispute. They provided no proof or explanation. They are shady people and this company didnt do anything but put me on hold for hours on the phone, and I just want a resolution from this. I contacted them and tried in good faith to resolve this issue. This is in fact fraud and the bank won't recognize it. I was supposed to get a provisional credit on XX/XX/year> instead they denied my claim so that they didnt have to give me my money back. This is taking a toll on my mental health and Netspend did nothing with getting my money back.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank charges late fee on due date. I send payments to all my bills XXXX or XXXX each XXXX. They send an email stating the entire balance is due and also they show almost double the amount due as payment on an email but when I get the mailed statement its nearly half less. Theyve lowered my credit limit based on my credit score which has been around XXXX ( up and down ) from that. I believe the fees added on the due date are not legit. Also theyll call saying they dont have my check around the due date and 2 times now Ive given them my atm number, they post the payment and then post the check they claim to not have

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 2024-04-05 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: WHEELS FINANCIAL GROUP, LLC.
State: CO

Complaint narrative:
Credit ran without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a Visa eGift Card as a gift from my daughter. She purchased if from XXXX. The card was used at XXXX last year. I have been trying to use it at XXXX but it is being declined, both in the store and on line. 

I called the customer service for this card to find out the problem. They told me that due to security issues it won't work at XXXX and I should try another retailer. I escalated the call and was told the same thing. I asked if it is being declined by XXXX or Visa. They said Visa is declining it due to security issues. I asked how to fix it or avoid the problem. They said the only thing I can do it keep trying it at other retailers until it works. I asked for a refund on the balance of {$34.00}. They said no. 

Their voice system shows the card as active with a balance but when I try to check it on their website I get an error message saying a system error has occured, try again later. 

It is advertised as being used any place that takes Visa, but that does not appear to be the case. I called Visa customer support. They said the ecard was issued by another party and they would put me through to them. She did say that a supervisor at the issuer could issue me a refund. The automated system at the number she sent me to disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-05 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Experian and XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE CHARGE OFF ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT. 
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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following accounts are listed as charge offs and or do not belong to me and the company has yet to verify and correct this information. 

XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX BANK Account number XXXX XXXX CARD SERVICES Account number XXXX XXXX XXXX BANK XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXXX 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written consent. I have never consented to any information being published.

I did not receive any 1099-C cancellation of debt forms for ANY of the listed accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn child. These accounts have been reported incorrectly even after my latest disputes of all of the same items from XX/XX/year> with the agency.

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 2024-04-05 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: TN

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 explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I received my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: ME

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.

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 2024-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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