vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 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: MD

Complaint narrative:
re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file. 

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law. 

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.

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 2024-03-03 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: FL

Complaint narrative:
I just recently looked at my credit report XX/XX/2024. I saw some late payments there were suppose to be on time. Me and my creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to Transunion to get this fix but they still said everything is reporting correctly. But Its not. Can you help with this situation. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAVE A Wells Fargo CREDIT CARD TIED TO MY CHECKING ACCOUNT BECAUSE THEY ADVISD ME TO DO THAT SO IT WILL COVER SOME DEBT TRANSACTIONS. THEY LIED TO ME. THEY CHARGED MY CHECKING ACCOUNT OVERDRAFT FEES, THEN THEY CHARGED MY CREDIT CARD CASH ADVANCE FEES AT THE HIGHEST INTEREST RATES, THEN THEY CHARGED ME INTEREST. I CALLED THEM AND TOLD THEM TO REMOVE THE LINK TO THE CHECKING ACCOUNT. THEY REFUSED. THE NEXT DAY, THEY CLOSED THE CREDIT CARD ACCOUNT AND REPORTED ME AS DELINQUENT FOR OVER 6 MONTHS. I AM STILL MAKING MORE THAN MINIMUM PAYMENTS MONTHLY. THEY REFUSED TO FIX THE REPORTING TO THE CREDIT COMPANIES AND DESTROYED MY FINANCIAL REPUTATION. NOW I CANT GET A LOAN FOR MY BUSINESS. THE EMPLOYEES TAKE MATTERS PERSONALLY AND DESTROY CUSTOMERS FOR THEIR OWN SADISTIC JOYS. I AM CURRENTLY SUING THEM. BUT I WAS ALSO ADVISED TO FILE THIS WITH YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They forced me to pay while I was in loan modification process and was waiting approval or denial But they said if I didnt pay would be up to bank to accept payment and may pursue for-closure I was forced that same day to borrow money with high interest because they scared me. I have recordings with bank. 
They are refusing to reverse payments so I can have California mortgage relief  help me We filed XXXX  end of XXXX due to corona virus and Bank of America put the fear God in us. Im wanting them to understand the amount of money Im in debt now and health stress it out on us to pay XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a Debt Forgiveness Request letter to Chase Bank regarding 4 charged off credit cards that I am struggling to make payments on. I accept that these are my responsibilities; but my financial situation has drastically changed from when these cards were open. 3 of them are for businesses that are, either no longer active, or not generating the revenue they did prior to COVID and the real estate downturn over the past 2 years. 

The bank has CHARGED OFF all of these cards which means that these balances have been removed from their balance sheets and has reduced their overall tax liability. The totality of these balances is oveXXXX XXXX XXXX  + accruing interest. THIS IS HARMING ME IN A SEVERAL WAYS : XXXX ) Keeping up with the payments is cutting into my ability to save for my retirement ( I am a XXXX XXXX XXXX  ), XXXX ) I am unable to properly support my XXXX grandchildren ( both of my daughters are in their XXXX 's still trying to find stable careers ), XXXX ) This is causing XXXX  stress to me and my wife as we feel that it is an insurmountable financial hurdle, XXXX ) I feel that the bank ( which I have been with for XXXX ) is taking advantage of us by forcing us to continue paying on charged off debts that are no longer on their balance sheets. 

I spoke to a supervisor ( XXXX, ID # XXXX ) on XXXX, XX/XX/XXXX, and expressed my request for debt forgiveness of these charged off credit cards and she recommended that we seek a credit counselor, but they could not help beyond the hardship programs. I thanked her for listening. 

Unfortunately, outside of the CFPB, and the letter that I have sent to President Biden and XXXX XXXX, I will be forced into bankruptcy if these charged off credit cards will not be forgiven. The consumer losses again, while the big banks continue to profit. 

My ask from the CFPB, is to help me, the consumer, to no longer experience harm from this situation. Step in to have them completely forgive these charged off credit cards, so that I can begin being a better provider for my family. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
XXXX XXXX has a history of charging an initial amount that is paid in full THEN weeks later try to get more money by sending a bill claiming more is now owed that wasnt the original amount. I have contacted them multiple time on several occasions stating their business practice is unethical and should stop. 
Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Mo XXXX XXXX is their latest contracted bully who is trying to get me to pay {$56.00} more AFTER be paid {$910.00} on the day of service. They have assigned my case a reference number of XXXX. They say they accept disputes electronically at XXXX BUT when you go there to actually dispute the charge you discover there isnt a link available to supply a dispute. 
Both XXXX and Credit Control should be charged with fraudulent activity. 

Please help. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
Credit Karma led me to believe that I was pre-approved for the credit card but I was denied the card.

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

Complaint narrative:
I have disputed the accounts shown in my attached spreadsheet multiple times with XXXX, Equifax, and XXXX, most recently through online dispute in XX/XX/year> and then by mail XX/XX/year>. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). XXXX removed them, XXXX and Equifax refused to.

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

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: NY

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

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

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

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

Complaint narrative:
Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a 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
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE A XXXX XXXX CREDIT CARD TIED TO MY CHECKING ACCOUNT BECAUSE THEY ADVISD ME TO DO THAT SO IT WILL COVER SOME DEBT TRANSACTIONS. THEY LIED TO ME. THEY CHARGED MY CHECKING ACCOUNT OVERDRAFT FEES, THEN THEY CHARGED MY CREDIT CARD CASH ADVANCE FEES AT THE HIGHEST INTEREST RATES, THEN THEY CHARGED ME INTEREST. I CALLED THEM AND TOLD THEM TO REMOVE THE LINK TO THE CHECKING ACCOUNT. THEY REFUSED. THE NEXT DAY, THEY CLOSED THE CREDIT CARD ACCOUNT AND REPORTED ME AS DELINQUENT FOR OVER 6 MONTHS. I AM STILL MAKING MORE THAN MINIMUM PAYMENTS MONTHLY. THEY REFUSED TO FIX THE REPORTING TO THE CREDIT COMPANIES AND DESTROYED MY FINANCIAL REPUTATION. NOW I CANT GET A LOAN FOR MY BUSINESS. THE EMPLOYEES TAKE MATTERS PERSONALLY AND DESTROY CUSTOMERS FOR THEIR OWN SADISTIC JOYS. I AM CURRENTLY SUING THEM. BUT I WAS ALSO ADVISED TO FILE THIS WITH YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have been using XXXX through PNC for many years now and recently was permanently banned for something that was really not in my control. On XX/XX/year> I had 3 transactions sent to an email that resulted in my account being locked. They were for {$150.00}, {$50.00}, and {$50.00}. After the third transaction my bank account was basically out of money and then my XXXX was locked. I ended up starting a fraudulent case, that was denied so I tried to figure out what happened myself. I called PNC XXXX department to figure out why my XXXX was locked and to solve who the money was sent too. I ended up learning the money was sent by my younger brother, which solved almost everything. However, PNC basically told me it was permanently locked and there was nothing I can do about it. I asked numerous times to different support specialists how the money being sent broke their terms and conditions and each time I got the same exact answer from a representative. I have accepted the fact the money was sent and is gone, but none of the terms and conditions were broken after reading them over again and again. I plan on canceling my bank account through PNC but they have my number completely locked so I can not use XXXX through another institution.

Company response to consumer: Closed with explanation