vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a joint checking and savings account with my wife. We thought that our accounts were compromised and on Friday XX/XX/XXXX, I closed the accounts and opened new ones. My wife was not with me and I was not allowed to add her to the account. Later that afternoon, my wife received an email alert with MY balance. She received another on on Saturday, Sunday and Monday. She is not on the accounts and she is receiving daily balance updates. Schools first says that it takes time for this to stop and won't fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I have submitted a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XXXX at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to Experian, XXXX and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-05 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with XXXX 's handling of my account, particularly regarding a dispute I have raised concerning erroneous charges. Despite multiple attempts to dispute these charges, which pertain to a service XXXX was obligated to provide but failed to deliver adequately, there has been a complete lack of response from XXXX 's side. This failure to engage not only undermines the trust I placed in XXXX as a service provider but also contravenes the principles of fair and transparent billing practices. 

Moreover, I must bring to your attention that XXXX has not fulfilled its legal obligation to report my dispute to the credit bureaus. This oversightor deliberate omissionhas serious implications for my credit report and score, further exacerbating the issue at hand. The lack of acknowledgment and the failure to report the dispute have left me in a precarious position, affecting my financial integrity without just cause. 

Equally concerning is the responseor lack thereoffrom the credit bureaus. Despite being apprised of the dispute and the erroneous charges levied by XXXX, there has been no action taken to investigate or amend the information on my credit report. This disregard for consumer disputes not only undermines the credibility of the credit reporting process but also leaves affected consumers without recourse or remedy. 

I urge XXXX to address this matter with the urgency and seriousness it warrants. I demand that XXXX : Provide a detailed explanation for the erroneous charges, Refund any charges that were incorrectly billed, Report my dispute to the credit bureaus as is required, Take immediate steps to correct any misinformation on my credit report resulting from this issue. 
I also call upon the credit bureaus to fulfill their responsibilities by : Investigating my dispute in a timely and thorough manner, Updating my credit report to accurately reflect the outcome of this dispute, Ensuring that my credit score is not unjustly impacted by these disputed charges. 
Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter through legal channels. I am prepared to take all necessary steps to protect my rights and ensure that my credit report accurately reflects my financial behavior and history. 

I look forward to a prompt resolution to this matter.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Conn's, Inc.
State: CO

Complaint narrative:
Per the FCRA as federally protected consumer Conns Credit Corp has violated my rights I sent them a letter stating that they have report inaccurate information. Conns has stated on my attached credit report that account XXXX has been charged off. To my understand 15 USC 1681 I am untitled to be compensated for the fact that Conns reported income on my report, because a charge off becomes a certificate of indebtedness which makes it income. And they have my records of transaction on the report as well this illegal. So for those fact and laws I opt out verbal, nonverbal, written and non written that if I have any authorization I am now opting out. on per 15 USC 6802-6805 in the letter I sent Conns. I still have not received a 1099c. Per the IRS INCOME CAN NOT BE REPORT TO ANY CREDIT REPORT. The inaccurate information has effected my credit and I can apply for credit to get the things I need. Please help get compensated and this account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date : XX/XX/year>

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 2024-03-05 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: AZ

Complaint narrative:
overdraft fee were so bad some months we were having a hardship and we would get charged XXXX to XXXX per month overdraft fees. 

and not fair at all. we would have like XXXX in account and would use it and- get right up to the XXXX. only to find they would go back a few days and charge 3 to 5 fees for things charged days before. i can go back years in accounts add them up if needed. but would be much easier for them to do. 

thanks so much for the chance to correct this, 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 monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I open a secure credit card and gave them {$300.00} The account was closed XXXX they are saying it was closed XXXX? And charged off in XXXX. 
They are saying that I owe {$490.00}. Still? How can that be possible if I only had a {$300.00}. Credit limit and they took the {$300.00}. When they closed the account? And they charged off the amount and got that Also. They are still reporting this to the credit bureaus after being charged off and took the {$300.00}. And closed for 9 years. This bank are crooks. So basically they want me to pay {$490.00} still even though they took the {$300.00} on deposit and charged it off. So I'd be paying {$790.00} for a {$300.00} credit card. I asked about this and they just says yes to pay an additional {$490.00}? I asked what for with no answer.

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 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I have a credit line that is {$750.00} and taken out in XX/XX/XXXX. I pay {$100.00} a month and my balance today as of XX/XX/XXXX is {$850.00}. If there needs to be a poster boy for predatory lending then Credit Fresh would be it!

You should truly examine how this is allowed to happen!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was advised that XXXX XXXX provided strong enough service to supply my medical office and switch over from XXXX. The day the equipment arrived I plugged it in. I was only getting 25 MB a second when I was told I should be getting over 200. I called the company and return the equipment the very next day and received a refund and disconnect form from the store. Since then Ive got a numerous emails and telephone calls stating that I owe a balance of over {$250.00} for the services Ive used over the span of a month. Acknowledge equipment arrived to their facility and were aware that I was no longer using equipment and my service was disconnected, but still attempting to bill and collect. I just got a collection notice today from a company asked me to pay the remainder of the balance that I shouldnt owe because I never use the services. 

Ive talked to several XXXX employees, including XXXX, who said that they can see my account was disconnected, but not terminated, and as why Im being billed, even though I never use the service. After providing him the paperwork I received from the store and explaining the situation, he said he will put in a request to have the bill dropped And I shouldnt have to worry about it going forward. That was in XXXX and Im still getting collection notices for something I never even used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo repossessed my XXXX XXXX and then sent me a check for XXXX bucks. I feel they owe me more

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 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: OK

Complaint narrative:
Purchased vehicle through dealership. PNC bank carries loan. Signed up for online banking. Their service forces you to login monthly to make payment. To setup recurring payments, you must download, print, fill out, and mail in form. There is simply no good reason this couldn't be done online. I believe this is purposely done as they are counting on people to forego this inconvenience. In turn, counting on consumers to forget to login and make payments before deadline, incurring late fees. No other financial institution that I personally bank with has such practices. I have spoken with customer service and voiced my concern to no avail. Again, I believe this is a deliberate practice by PNC bank to garner late fees on loans that would be avoided by automatic recurring payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: HW Holding, Inc
State: AL

Complaint narrative:
15 U.S.C 1681 DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Diverse Funding Associates LLC
State: AL

Complaint narrative:
15 U.S.C 1681 DELETE IMMEDIATELY

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 2024-03-05 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: NY

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i looked at my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX are not complete and accurate. 

i sent a letter to transunion and XXXX  on XX/XX/XXXX asking them to make sure everything is complete and accurate. and i also sent another letter on XX/XX/XXXX and here is my tracking numbers XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

They also violated these laws And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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 15 USC 1681s-2 they are supposed 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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app let someone come into my account and pull over a XXXX off my account and its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: LA

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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