vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

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 2024-04-27 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:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
TRANSACTION DENIED : Throw the baby out with the bath water. On XXXX i drove XXXX miles from my rural home to do a much needed quarterly provisioning. I made multiple substantial successful transactions on my Capitalone card. At my XXXX major stop my purchase was declined. To the clerk 's dismay, i had to abandon a bevy of groceries. I then called Capitalone from the store to inquire. They claimed fraudulent activity. ( By days end and XXXX further calls to Capitalone, i ascertained no fraudulent activity. ) Once back home XXXX hours later i found an email sent at the time of this transaction from Capitalone asking me to verify this declined transaction. This i attempted once home XXXX hours later, but their security vendor, XXXX 's, link looped endlessly. This loop thwarted my verification of a valid- albeit declined - purchase. Calpitalone 's reps asked me to verify my identity by answering a cell fone call. I stated repeatedly that i had no cell phone and no alternate land line for a verification call. When they emailed me what was ostensibly a link to upload my driver 's license, their security vendor, XXXX 's, link looped endlessly. Another thwart. They claimed no problems on their end, when i asked. Their so-called verification was thwarted again. Finally i was given a FAX number and a post office box with which to send copies of my driver 's license. XXXX to 10 days without access to my credit card is unacceptable. OPINION : Shutting down my account in the name of fraud - where there is none- is excessively zealous. I support rigorous security measures that actually thwart crime. I had been given no advance warning that traveling XXXX miles to the nearest shopping center would set off their alarms. Especially since i'd been doing it for decades .... as an audit of my accounts would have revealed. All of the purchases i made were well within the range of years of earlier, non fraudulent transactions to the same stores. Was something stated in the too fine to read print? If i'm to be penalized for not having a cell phone, or making repeat visits to the same vendors, then at least give me due warning. I'm happy to phone ahead whenever i leave this remote area to make a provisioning run.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc.
State: NY

Complaint narrative:
At XX/XX/year> at XXXX XXXX i am make the purchase at XXXX store for amount of XXXX XXXX and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the XXXX of the XXXX provide for me XXXX journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of doordash organization. They totally ignored me and dont even want try to solve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, ensuring they are never overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: MD

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

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 2024-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have always made sure that payments on this account are timely, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-26 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: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The purpose of this elaborate message is to inform you that TD Bank sent me a letter ( attached ) and I called the phone number on it to find out why they returned the wrong amount of money. They never gave me a concrete response ( the conversation was being recorded on their end ). Besides the missing money, I also brought up my travel expenses to XXXX ( last minute airfare, car rental, food, and gas to cite a few ) and the fact I missed the opportunity to buy the vacation home due to the bank 's gross incompetence in transferring the funds. They asked me to estimate my expenses/money loss regarding the useless trip was over XXXX {$15000.00} ( XXXX XXXX dollars ) plus the legal fees and all that took a toll on my health. 

Last Monday, XX/XX/XXXX, I went to the doctor ( XXXX XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, FL ( XXXX ) XXXX ) because all the stress and nervous breaking down caused by the bank is causing me to lose sleep and always be on the edge. The doctor informed me that my XXXX XXXX is XXXX XXXX and advised me to check my XXXX everyday for a week to see if it is a temporary issue or if I will need to be on medication for this issue. According to the doctor, this XXXX XXXX XXXX issue could be caused by the amount of stress I have been exposed to since the problem with TD Bank started. I have never had any XXXX XXXX problems before all this. 


NOTE : AS OFF TODAY, A DOCTOR STARTED ME ON XXXX XXXX  XXXX PRESCRIPTION DUE TO ALL THE STRESS THIS SITUATION IS CAUSING ME. I NEVER HAD ANY MEDICAL ISSUE LIKE THAT BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I contacted their Company by phone several times and I asked for information on the debt and some sort of documentation showing I owed the debt because the acct is a charge off on my credit report I have called several times to get a validation of this debt the loan was a loan that was taken out online it is a reflection on my credit report XXXX XXXX and XXXX they refuse to discuss the validity of the debt and have refused to send me the validity of the debt and something showing why I owe this debt I have not received anything and they said the loan was taken out XXXX days ago this is a scam please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX called the bank Wells Fargo and asked if I could go into a branch and withdraw a large sum of money in cash. I was told it shouldnt be a problem. When I arrived at the bank and made my request I was asked what the money was for. I said a large cash purchase. I was then told to wait. When I was the only person in the bank the manager told me I would not be able to withdraw the money and that I would not be served at that branch again. She then told a member of staff to close my account.

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 2024-04-26 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: PA

Complaint narrative:
I believe that according to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-04-26 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: IN

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/24, I called to speak with Synchrony Bank about my PayPal Mastercard account regarding inaccuracies in their billing documentation. Specifically, I received several emails with statement amounts, minimum payment due, and due dates but those notices did not reflect the actual payment amount required. ( Emails are attached ) This caused late fees to be incurred as well as reporting to the credit bureaus that I was late in making payments which was actually not true. I paid in accordance with the information provided on the attached email documentation. 

I spoke with various individuals ( most notably someone named XXXX, and someone named XXXX ) both of whom indicated that they could not remove the late fees that were only a result of not having paid enough, not because the payment was late. 

I paid amounts that were well over what was listed on the emails that were sent. If the verbiage on the email notice had any indication that the amounts listed may be inaccurate or similar, that would be one thing, but I signed up for electronic billing. I thought this is what that was and paid accordingly. This appears to be very deceptive in terms of their business practices, first, by sending me misleading account information, and second by not having policies and protocols to address when their own systems have not done right by the customer.

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