vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2024-04-23 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My taxes were not paid for XXXX XXXX  and now my XXXX taxes are due. I emailed to their tax department XXXX multiple times with a copy of my tax bill. I have tried calling every number they have and can't get a person. My Cooper Loans also didn't pay my Homeowners two years in a row so it was cancelled twice and I had to get that resolved. I need my taxes paid, I have over XXXX in escrow and don't feel I should have to pay my taxes when they are holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXXXXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MN

Complaint narrative:
Someone pulled hard inquiries from my credit report for credit cards and loans

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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On Saturday XX/XX/2024 I made an error in a payment to my electric company XXXX XXXX XXXX XXXX on line .i have the monthly bill for services and also loan for over XXXX dollars .when making the transaction I must have hit the full amount button and it took over XXXX out of Wells Fargo band accounts which brought me to a XXXX balance .i discovered this on Monday morning and immediately called the XXXX company to pls cancel this it was an error!! They refused saying the bank had already approved the payment. I called Wells Fargo customer service and spoke with three different representatives going up the ladder and was told it would take XXXXtill XXXX days to investigate!! I had no money in my account I begged them to stop payment because the payment was still pending they claimed that it was too late and again I should contact the XXXX company!! Now Im running back and forth to the branch in XXXX, XXXX .trying to get statements from them to submit to the XXXX company in order to try to get a refund!! I am XXXX years old and single and retired!! I admit I must have hit the wrong button but these two giant corporations have caused me so much stress and XXXX because of their so called policies and processes!! I still will be without the money for XXXX to XXXX days because of there not willing to just stop the payment on either end!! I have been a customer of Wells Fargo for XXXX  years even before when they were XXXX and XXXX XXXX banks!! They went into my overdraft protection balance without my knowledge I have never been overdrawn in my account with them!! I wasnt notified that I was overdrawn until today after they processed the payment!! Which like I said the payment was still pending yesterday Was this straightened out and I dont know when it will be .i will never do business with Wells Fargo again !! I will close out my accounts with them 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime closed my account on XX/XX/XXXX. they sent me a closure check in the amount of XXXX that check has bounced 4 times at 4 different places. I was told buy a bank that the check is fraud and could possible be fake. Chime has done nothing to help me in this situation. they have not re issued the check. keeps telling me try it at a different bank. its a FAKE Check. i have posted the picture of the fake check. this is uncalled for. chime should have to pay some type of fine for sending fraud checks to consumers! 

i have uploaded the check that has bounced 4 different places!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Debt collector has refused to supply the date of service for the single account totaling XXXX that they claim was sent to them by XXXX XXXX XXXX opened XX/XX/2023. XXXX has no account totalling that amount. Debt collector got mad is trying to lump several accounts together i an effort to circumvent the law and have things go back on people 's credit report. XXXX XXXX sends accounts individually and does not lump them together and it doesn't matter how any accounts i have under XXXX, they can't lump them together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
I was looking through my consumer reports and noticed 3 hard inquires on my TransUnion account and XXXX account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on TransUnion : XXXX Card on XX/XX/XXXX, XXXX Card on XX/XX/XXXX, and XXXX  XX/XX/XXXX XXXX Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my TransUnion and XXXX 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 non-monetary relief
Consumer complaint received 2024-04-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date this happened. XX/XX/XXXX XXXX XXXX  location : Chase Bank " XXXX XXXX XXXX, XXXX XXXX, CA Term ID : XXXX Card # XXXX sequence # XXXX Claim ID I called in is : XXXX Chase ATM took cash and did not give credit to the account or proper cash return, not a proper receipt. This is a Chase Bank, and Chase ATM. Member since XXXX Deposited money from wife " cash I'm the amount of XXXX. I attempted to use the other two ATMs at the same wall and they did work so only one was working. The far right ATM so I inserted my card Chase Card entered my PIN and pushed deposit cash. I had cash in my hands the whole time. I even gave XXXX dollars to a gut standing by the atm for his dad 's funeral. The atm took my money and spit out a receipt that said please be sure to call us at XXXX XXXX on this day I filed a report and they told me two days to get a credit or a resolution. 
The next day I even went up to the bank and they told me that Chase does not own the ATM at that Chase bank an blew me off on XXXX XXXX. This morning I called Chase corporate with my claim number and now they are telling me maybe 10 more days. 

I have not received an email or text about claim updates, and it seems they are not trying to do anything to help me. 

I have not been credited, or contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: LA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number: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
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I just had this happen with XXXX XXXX, this is not OK. Same thing happened again this time its Chase Credit Card ending in XXXX. XX/XX/2024, I decided to pay the card off and checked the full remaining balance and the current balance and paid the full balance payment of XXXX. The next day i check the balance and they came back and charged an additional interest of XXXX cents. I paid the XXXX cents so the balance was XXXX. I get back on here today XX/XX/XXXX and there are even more charges of XXXX in FEES and INTEREST yet havent purchased anything and paid this card off in full. I called and spoke with a CSR rep, asked for a refund, they said No, asked for a manager who also refused to refund the incorrectly added interest. I would like the interest refunded and the account to XXXX like it should have been without all the hassle. I did pay the balance of XXXX yet again today like I did for XXXX  XXXX so additional interest did not accrue, but I want the XXXX refunded as this is a matter of principle and ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE Please urgently address the unauthorized inquiries on my credit report, as they are causing me distress and were not approved by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-23 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: GA

Complaint narrative:
This is my second attempt to correct this invalidated account on my credit report. I contacted the furnisher and they failed to provide documentation to validate this account is accurate as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Turned in leased vehicle XX/XX/XXXX to XXXX dealer as per contract requirements. Completed pre inspection and called to inform GM report was incorrect plus also shared with GM would be reinstalling all original tires before lease end. GM assured me on several calls that car would be inspected by dealer once turned in and thus the PRE inspection report did not apply. XX/XX/XXXX GM sent regular mail final detailed bill dated XX/XX/XXXX with charges based on preinspection report and requested payment of {$1200.00} of which {$810.00} was for tires. Repeated calls, emails, faxes, online requests and certified letters to GM did not yield any new inspection reports, bill details even though GM altered the amount due after my final payment as per contract sent on XX/XX/XXXX. Spoke to GM several times about charges and shared that car was for sale at dealer in XXXX. XXXX XXXX and pictures showed all tires were original and they could investigate themselves instead of relying on incorrect preinspection report. An email XXXX XXXX fGM sent from online inquiry stated " We do go by the report made prior to returning the vehicle. There is no other inspection after the vehicle is returned. '' which of course is counter to everything they has told me in the previous 4 months discussion about turn in process. Still get several calls per week from GM Financial requesting payment but when I ask for detailed bill plus inspection report, they say not allowed to send anything to document charges, also online account access has no statements or bills available only amount due. GM has reported this undocumented amount to credit bureau for late payment

Company response to consumer: Closed with explanation