vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose 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 suppose 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo Banking inadequately deducted funds from my checking account on XX/XX/XXXX. They received a legal notice of garnishment on XX/XX/XXXX, ( Court case # XXXX ) from XXXX XXXX  XXXX XXXX debit collection agency, in the amount of {$2500.00}, which stated XXXX with a return date of XX/XX/XXXX. 
Wells Fargo miss handle a court order document by violating and process after dated order by deducting {$590.00}, and charging an additional processing fee of {$120.00}, totaling XXXX. 
On XX/XX/XXXX, I called Wells Fargo and requested a resolution and was given the run -around with no answers util finally they open a case # XXXX which was escalated to XXXX XXXX I later received a response stating, they will not return funds with letter dated XX/XX/XXXX, and refer me to the Courts and XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the Certificate to Service through US Mail, which is dated two ( 2 ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day since XXXX. I have told this to XXXX XXXX  XXXX a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.

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 2024-05-13 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: FL

Complaint narrative:
I am disputing the accuracy of this account for several reasons : Conflicting Status : The account is reported as charged off as of XX/XX/2018. The account was in fact sold to a 3rd party collection agency whom is not reporting and is not licensed to collect in fl. 
Late Payments : Previously Reported : The report details late payments. According to the Fair Credit Reporting Act ( FCRA ) guidelines, late payments are considered as transactions or experiences and should not be reported. 
Lack of Verification : My previous request for verification and validation of this account resulted in an insufficient response. Details on who verified the information, their title, and the verification method used remain unclear. 
These inconsistencies and lack of proper verification constitute a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 
Based on the inaccuracies above, I demand the complete deletion of this XXXX XXXX ACCOUNT from my credit report. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
This response should include : Explanation of the investigation conducted. Details of any communication with XXXX XXXX regarding verification. A revised credit report reflecting the deletion of this account, if applicable. 
Thank you for your prompt attention to 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Good afternoon to whom it might concern ; I have a collection of an unknown bill that I did not take or do. Is IC SYSTEM it also says XXXX XXXX XXXX XXXX  and is for XXXX dollars. By law this company is reporting an account that was open fraudulently and I ask transition to erase it because they cant verify what I never open and by law Im trying to get a mortgage and is hurting my credit and not allowing me to get a mortgage and XXXX just lost a XXXX for doing This to customers and abusing and reporting wrong and fraudulent information and this is a second  year that I can not get a house for XXXX and the companies named above using my private information hurting me and abusing me. I will legally this time take actions because they have no rights to use fraudulent Information and placing it on my credit report without my consent.

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 2024-05-14 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-13 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: FL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards to reporting, including incorrect amounts and dates.

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 2024-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
conducted by the company without my consent.

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 2024-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always ensured that payments on this account are made on time, avoiding any overdue charges. I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-13 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: FL

Complaint narrative:
I've always ensured that payments on this account are made on time, avoiding any overdue charges. I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> a payment was made mistakenly to the IRS federal taxes instead of XXXX taxes. After calling the IRS suggested to get to the company Chime and so I called the back of the credit cards number. While mirroring my phone the Chime employee told me to transfer the funds to XXXX email accounts to get my payment fo the IRS refunded in the amount of {$53000.00}. After that I transfered in total the amount of $ XXXX and {$1400.00} to the account provided by the Chime employee to get full refund. It was a fraud. Made a police report and felony charges were brought up and also Chime did not wnt to refund me even after I presented all the evidence of the police to Chime. Also filed a complaint with XXXX against XXXXXX/XX/XXXX. The FDIC was who indicated me to you and the XXXX to file complaints. 
Please help me get my money refunded. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I pulled my report and seen some fraudulent hard inquires on them and I need them removed 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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
When applied, they said all purchases for carnival would apply. They did not apply the XXXX XXXX per the case notes each call. Ive called each month to correct it because there was interest charged. They state the calls are recorded and the first call made my intentions clear that if it wasnt XXXX XXXX  I was going to do a balance transfer. They assured me that it would be XXXX XXXX. They said it should reflect on my account XXXX days. The XXXX call, they said it does not apply. They lied and would like the recording to be reviewed and interest pod to be returned.

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 2024-05-13 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: NC

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dispute was filled with TD bank for a XXXX merchant charge that took place at the end of last year. Item from the merchant is defective and no resolution has been made. Td bank has all the required information. If necessary I can provide any necessary details, but the complaint is at this point not about the dispute itself. Instead the complaint I am filing is about what took place after the dispute was made. Said dispute was made XX/XX/year>. Today XX/XX/year> I recieved mail dated from XX/XX/year> that the outcome of my dispute was to call the merchant. The very same merchant whom has not resolved my issue since XXXX  indicating is om XX/XX/year>. All of which is indicated in my dispute as well as the various phone calls, texts, chat, and email took place with merchant. Roughly XXXX. Today XX/XX/year> I spoke with a supervisor, XXXX, who stated that the bank does not offer or provide chargebacks for disputes. Which I stated was a violation of the fair credit billing act as my dispute and the reasons for filing it is the very reason why the FCBA exists as they mandate chargebacks the reasoning for a chargeback. I explained that the bank must act on my behalf which she did not acknowledge. She also stated I could not challenge the results of the investigation. Nor could I file a new dispute over the phone. She did however, apologize that I did not agree with outcome I recieved, but that td bank can only help the XXXX parties ( myself and XXXX ) come to an agreement. However, they can not make the merchant do anything and or take the money back ( which I stated they do have the ability to do ). I believe the statements, actions, and behavior of this institution is in violation of the fair credit billing act. It should also be noted that even before speaking with the supervisor my call was transfered by a td bank agent, XXXX, to a XXXX agent. The td bank agent then left the call without telling me. Although, what's worse is that she didn't even tell me she was transferring my call to the merchant. This continuous behavior of attempting to push me to resolve the issue with the merchant so that td bank did not have to was noted when speaking to XXXX. It also shows again that td bank is not acting in my behalf and instead on the behalf of the merchant. The same merchant whom they are partnered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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 This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-14 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 This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-13 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:
I am in total absolute debrief with the way the credit agency has mishandled my credit. Said account : XXXX- XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to 15 USC 168i 5 they are supposed to do the proper research, ( 5 ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation 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 remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
An improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief