vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion, for violating the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Section 1681s-2 of the United States Code ( U.S.C. ) by allowing XXXX XXXX XXXX XXXX to furnish inaccuracies of an alleged debt to my TransUnion consumer report. Both XXXX and XXXX consumer reporting agencies have honored the cease and desist and refrained from allowing XXXX XXXX XXXX XXXX, from negligently reporting inaccuracies to my consumer reports, and has removed the alleged debt reported by XXXX XXXX XXXX from my consumer reports more than XXXX years ago due to substantial doubts about the accuracy of the alleged debt. However, TransUnion persists in allowing XXXX XXXX XXXX XXXX to erroneously report inaccuracies of this alleged debt to my TransUnion consumer report. 

It is a direct violation of the Fair Credit Reporting Act ( FCRA ) to report a collection to only one consumer reporting agency and not all three according to the United States Code ( U.S.C. ), Title 15, Section 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including requirements for accuracy and completeness of the information provided. I am legally demanding a cease and desist of all illegal collection activity furnished on my TransUnion consumer report and legally demand a permanent removal of the alleged debt from XXXX XXXX XXXX from my TransUnion consumer report.

If TransUnion, fails to comply with the law ( U.S.C. ), Title 15, Section 1681s-2 and allows XXXX XXXX XXXX XXXX XXXX to continue furnish my consumer report with the removal of the alleged by XXXX and XXXX, XXXX would have to assume that TransUnion is doing so with forethought and malice as an attempt to bring harm to me and my financial reputation, which I will file for litigation for actual damages caused, and TransUnion and XXXX XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A , extortion, theft by deception, and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I am also requesting that the CFPB enforce the FCRA impose penalties on TransUnion, once found to be in violation.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business checking account with Chase. I also have a business line of credit with Chase. I make direct payments to my line of credit every month. I looked in my business checking account and there was a withdrawal of {$830.00}. I did not know who this was and I called Chase. They did not know who it was and reported it as fraud and told me I should immediately close out my business account and they would refund the amount. Two days later I look in my Chase line of credit and I see they made an automatic payment from my checking account in addition to the {$1200.00} payment I made. In 22 years they have never taken funds out of my checking account and this was not authorized. I called Chase and told them it was them taking the funds out ( they were still not aware that this was Chase ) and they told me to come into the branch and sign a form to stop auto deduction which was never requested in 22 years but they needed this form signed. So I signed it. When they reversed the payment on my line of credit they charged me {$25.00} plus interest for 30 days. I have spoken to my branch and their finalizations is that they can't do anything that I have to call the XXXX number. I call the XXXX number and they tell me I have to go to the branch. Emails have gone back and forth from the XXXX number to the branch and each one blames the other. The incompetence of this institution is overwhelming. This has been going on since XX/XX/XXXX and it is now XX/XX/XXXX. I don't know how many consumers they have taken advantage of but I feel they should be reported and fined and should refund my money and the outstanding interest they have charged me for their own discrepancy. They are a multi billion dollar corporation and they can not even correct their own mistakes. I will be reporting this to the XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I, XXXX XXXX, am a XXXX XXXX Veteran who is bound by the laws of this nation as is any other individual. I also expect major corporations such as the credit bureaus to be bound by the same laws such as the ones enacted by the FCRA. It is frustrating and disappointing that I, who did not create these laws, must repeatedly dispute the accuracy of my credit report. I am entitled to that accuracy that all the bureaus claim to report without their ungiven authority to interpret what it means. In this case it clearly states any inaccuracy in your credit report must be removed. It is not fair that all entities involved continue to deny such rights. The inaccurate information that is being disputed at this time is the address associated with the reported bankruptcy is not mine. Again, under the FCRA I am entitled to have this removed. To be more precise I am disputing the bankruptcy on my credit report. Any conflicts or discrepancies due to specifics or lack thereof with the FCRAs law of accuracy should be addressed with the FCRA and not with the consumer. I have discussed this issue with XXXX, XXXX, XXXX XXXX, LexisNexis and XXXX who all have their own take on how they feel these laws should be interpreted and pertain to their organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Before reading the rest I want to say the screenshots provided are from me and some are from my partner. She was able to provide more pictures for evidence. Also the scammer had a XXXX add for a house and then he said that one was not available anymore and gave my partner another property and sent her images. The company they were pretending to be is an actual company that leases the house but he was not part of their company. 


I got scammed trying to rent a house through a XXXX ad. We just spoke over the phone and had a tour of the house while we spoke with I thought was the landlord at the time but happened to be a scammer. I sent my funds through XXXX and XXXX XXXX and after I found out it was a scam. The funds were sent XX/XX/24 After I found out it was a scam the next day XX/XX/24 I called my bank and I was able to get one payment back which was the one that I sent through XXXX which was {$310.00}. But my bank started and investigation and told me to wait XXXX business days. 

I got a paper in the mail yesterday saying that there was nothing they could do to get the fund back and that they were not going to do anything about it. They told me to call XXXX but XXXX was not able to help they just told me to contact my bank. 


The scammer gave us a fake lease and a ID that was not him.

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 2024-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
Well, I called to cancel the XXXX  bill back when it was {$200.00} even upon my canceling. I received another bill which XXXX XXXX to XXXX and something dollars did I did not approve. And they kept telling me when I tried to fix the issue that they didnt see where I tried to call to fix incorrect the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/2024 I noticed a transaction from a XXXX XXXX XXXX in Texas in the amount of {$30.00} on my checking account with Current. I was at work when I noticed, I work and live in XXXX XXXX XXXX. I immediately called my bank and let them know of the transaction and that it was made with my digital card. They cancelled the card and issued me a new number and open a dispute for the amount. I tried calling the establishment but never got through. The same day I notice more transactions at the same XXXX XXXX XXXX but on my XXXX credit card, I called and informed them as well and they issued me a new card and open disputes for those transactions. After a few days, XXXX card gave me full credit for the transactions marking them as fraudulent. Unfortunately this was not the case with my bank Current, the emailing me letter me know that they did not see anything fraudulent with the transaction. I replied with an appeal and even included the disputes from XXXX bank to show them that this had happened to another one of my accounts and that it was in fact fraudulent since there was no way I could have made those purchases. They still said that there was not enough evidence showing that this was made in error or that it was fraudulent even after speaking to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-16 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:
Do not look befuddled the information that is given to you. I am a victim of identity theft, my information has been stolen and used without any authorization from 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I got behind on my Capitol one card when I lost my job last year. They tell me they will put me on a payment plan so I can get caught up, I make the payments as arranged but none of it ever goes to my balance. I've asked for the account to be closed and they say that isn't an option. I've been paying around XXXX on a XXXX balance monthly for over a year and the balance is still XXXX. I called to make a payment today and they say I'm XXXX past due ( even though I'm supposed to be on a payment plan. ) I told them I've made payment arrangements for XXXX, XXXX and XXXX and they say I broke the agreement, which is false! I paid XXXX in XXXX, XXXX in XXXX, and they say I owe XXXX for XXXX. Will you please help me close this account? I've paid more in interest and late fees than I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: VA

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 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with XXXX, they continue to say the card is mine and I am the owner. XXXX requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, Citibank reps refuse to offer the letter and still continue to make me responsible for this account, at one point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/year> someone opened an account with synchrony bank/Walmart in my name but used an address of XXXX XXXX XXXX, XXXX, VA XXXX XXXX I never lived at this address. I knew nothing of the account until I checked my credit report years later. I have disputed the charge on this account several times with no luck. Today when I checked my XXXX report, I learned that it was Synchrony bank that had reported the XXXX XXXX XXXX address to the credit agencies. If the address had been mine, I wouldve gotten the bills and been alerted to the fraud much earlier. I want this removed from my credit record

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was placed on the title to my husband 's home as successor, after his death and then sold the house in XXXX. The escrow funds should have been sent to me by the mortgage company, XXXX I contacted them on XXXX XXXX, and they sent me a response that they would send the funds. As of today, they have not sen the funds which I am entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage purchase XXXX XXXX XXXX XXXX. It transferred XX/XX/XXXX and they got my payments wrong. I paid my XXXX payment back in XXXX. I always pay my payments early and they say I never paid it or they applied to principal, this was never a problem with XXXX XXXX XXXX. this is illegal by the practices that we set while I was at the FDIC and I helped form the consumer finance protection bureau. This is another abusive practice of Banks who acquire portfolios from other banks and do not do their due diligence on bar wars or their payment history. I owe XX/XX/XXXX payment only I will not pay it until they admit that I paid my first payment. I have a picture of the record of all my payments since XXXX of last year to XXXX XXXX XXXX through XXXX XXXX  please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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.

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 2024-04-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the presence of inaccuracies on my credit report held by EXPERIAN. On XX/XX/XXXX, I sent a letter to EXPERIAN addressing the issue of XXXX hard inquiries listed on my credit report, dating between XX/XX/XXXX and XX/XX/XXXX. 

These hard inquiries are in direct violation of U.S. Code 15 1681 and other pertinent laws designed to protect consumer rights and ensure the accuracy of credit reporting. Despite providing evidence of my identity through a valid ID containing my current address, along with a copy of my credit report clearly indicating the erroneous hard inquiries, EXPERIAN has failed to take appropriate action to rectify this situation.

Under the provisions of U.S. Code 15 1681 and related legislation, it is imperative that EXPERIAN promptly investigates and deletes these inaccurate hard inquiries from my credit report within 30 days. Failure to do so not only constitutes a breach of federal law but also undermines my rights as a consumer. 

I expect EXPERIAN to respond satisfactorily to this complaint and take swift action to correct the inaccuracies on my credit report. Failure to do so will leave me with no choice but to pursue legal action, seeking damages of {$1000.00} for each erroneous inquiry, as provided for under relevant statutes. 

Attached to this complaint, you will find : A copy of my valid ID containing my current address. 
A copy of my credit report highlighting the erroneous hard inquiries. 
A copy of letter sent I urge the CFPB to investigate this matter thoroughly and ensure that EXPERIAN adheres to its obligations under the law. Your intervention is crucial in resolving this issue and safeguarding consumer rights. 

Thank you for your attention to this 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 non-monetary relief