vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I NOTICED THESE INQUIRES THAT I DO NOT AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

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 : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-06-16 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:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
15 USC 1681 SECTION 604 STATES RIGHTS TO CONSUMERS PRIVACY REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and may affect my creditworthiness.

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 2024-06-16 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: IL

Complaint narrative:
The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and XXXX affect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an AmEx gift card from my employer I want to apply to my XXXX reload balance. It won't go through. I get the message " payment revision needed. '' I'm using my name and billing address. 

I tried on XX/XX/XXXX and again on XX/XX/year> to apply {$190.00} of a {$200.00} card. Multiple tries failed. I did an online chat with an AmEx customer Service rep. They couldn't help me. 

I have another AmEx gift card from my employer for {$250.00} that I tried to apply to XXXX on XX/XX/XXXX for the {$190.00} reload that previously failed. That card also failed with the " payment revision needed '' error. Together they total {$450.00} that I can't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: TX

Complaint narrative:
I RECENTLY CHECK MY CREDIT REPORT AND I FOUND THIS HARD INQUIRY THAT I HAVE NEVER AUTHORIZED ROUND XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a email stating that a new credit card was opened in my name on XX/XX/XXXX. XXXX XXXX received an application for a savor XXXX credit card on XX/XX/XXXX. Different phone number & email address was associated with the account. XXXX dollar balance on the credit card and has not been used yet. The company reported it as fraud and froze the card pending investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: PA

Complaint narrative:
VALOR REFERENCE NUMBER ; XXXX. To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapte

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I have contacted this debt collector The XXXX XXXX and spoke to them that I'm making payments online to their site online, I told them I will be making a payment of whatever I can afford at this. Time. 

I have called them back several times telling them to Stop sending me letters in the mail Concerning the amount I owe, and I told them I'm making the payments online and they know because I have email reciepts from the payments. And yet they still continue harassing me with letters about amount due. I'm very sick with XXXX and othe serious health issues. I told them send emails only. And I told them to stop texting me at my XXXX XXXX cell phone and they still continuing doing this They need to stop contacting me by m # ail and phone Now. this is hassment the account # XXXX And PLEASE for you getting back with me ONLY Send emails no letters in mail concerning this complaint. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I never received the items that I am being charged for. I disputed the charges with the merchant as well as the courier and Affirm. The shoes were delivered to the wrong address and efforts to remedy this with the merchant met with negative results. Efforts to remedy this with the courier XXXX met with negative results I will not pay for something I did not receive. This information is false, fraudulent and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target Corporation & TD Bank USA have failed to report accurately my balance, and has used confusing disclosures to report an unpayable balance for 30-60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
There is incorrect information on my report that needs to be removed. My Name is XXXX XXXX all other names need to be removed. My Current Address in which I receive XXXX Mail, is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. All other addresses are inaccurate information and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had yet another incident with Regions bank last Friday, XXXX. I had until XXXX CT time to deposit money into my account prior to XXXX CT before I incurred an overdraft fee. I deposited money at XXXX which would have been XXXX CT time and I was still charged OD fees. This happens all the time and when I call the XXXX number, the rep is counting military time. This is not the first time this happened, it happens often. Is there a glitch in the system? Why is it offered to make a deposit before XXXX CT, I do, and you charge me a ridiculous amount of fees. I would like someone to actually look into this because it is not right! 
I do not want anyone to read the disclaimer or to tell me turn change my OD protection, that is the obvious. I feel like when I contact Regions, my concern is always deflected, and the disclaimer is read to me. I know my account is in overdraft, I am a XXXX working and have lots going on. It does not mean that the bank can continue to charge me OD fees and no one can explain the fact that I am charged fees continuously. 
Also, I have found that Region 's customer service reps are not helpful, nor are they professional. I am very disappointed, and until this matter is resolved, I am not depositing anymore money. I am tired of it. I am not in a position where I can be charged over {$400.00} in overdraft fees each month.

I will be going to the media about this and share my negative experience with Region 's in my community.

I have only met 2 true professionals working at Region 's, perhaps you should hire more qualified people or people who actually have the skills to talk to other people in a professional manner!

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 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my checking account in XX/XX/year> and still have not released my funds after 4 years. I still have over $ XXXX due, why is chase stealing money from people?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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 am interetsedin processing disputes for all accounts listed on my credit report. these accounts has been listed as identity theft and are reporting illegally to my credit report. this does not follow the FCRA guidelines. please review and remove all account listed to help clear my file asap.

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 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an ongoing issue where Wells Fargo bank closed our family 's small business checking & credit card accounts with no explanation or notification. Since then, I've called Wells Fargo customer service, wrote to their CEO, and filed numerous complaints with CFPB. 

Wells Fargo has continued to lie - first claiming that a check was mailed for the balance without providing any tracking number or any other evidence ; and now, that an Affidavit was mailed to me on XX/XX/XXXX when no such thing was done. 

DETAILED HISTORY : Initially, I was told to visit a branch to get a check for my closing balance, where I had to wait for XXXX hours to be told that not only I need to pay for a XXXX bond FOR THE CHECK that they claim they mailed ; without MY AUTHORIZATION and WITHOUT any tracking ; but I also need to get a signature guarantee from another financial institution on their " Declaration of Lost, Stolen, or Destroyed Cashier 's check ''!! I declined both - if a check was ever mailed without my authorization, they should have mailed it with shipping method with tracking. 

After another complaint through CFPB, I was given a number to call XXXX XXXX XXXX to get the check reissued. Upon calling this number, I was told that an Affidavit will be mailed to me that I needed to sign. 

However, no Affidavit was ever received. I filed another complaint. In her response dated XX/XX/XXXX, XXXX XXXX XXXX, Escalations Representative asserted, without providing ANY EVIDENCE, that an Affidavit was mailed to me on XX/XX/XXXX. Once again, she has neither provided any tracking number, nor has she included a copy of the cover letter or the supposed Affidavit. Interestingly, I continue to receive Wells Fargo 's responses to my complaints, and my personal wells fargo credit card statements at the physical address that I have provided so it's obvious that they are once again, lying about sending me something they didn't. 

She has directed me to call the same number or visit the branch - both of which I have tried multiple times!! It doesn't look like Wells Fargo understands how customer service escalation works, in place of resolving the issue, they keep referring customer to call the lower level customer service again. 

Meanwhile, a XXXX search reveals a press release dated XX/XX/year> with an admission from Wells Fargo XXXX from XX/XX/year> that " they have identified a series of unacceptable practices that we have been working systematically to change and provide customer remediation where warranted ''. 

it doesn't look like Wells Fargo has done enough other than settling claims for their previous financial crimes at dimes to dollars. The DNA of the bank hasn't changed. Once a thief, always a thief!

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I graduated college around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the end of XXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXXXXXX XXXX XXXX myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to XXXX and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for XXXX disputes XXXX for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for self lead bank revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under XXXX and the rest of XXXX and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.

Company response to consumer: Closed with explanation