vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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:
Formal Dispute and Allegation of Negligence, Possible Fraud, and Extortion

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 2024-06-22 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: MD

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

( 1 ) XXXX XXXX Account number # XXXX ; ( 2 ) XXXX XXXX XXXX Account number # XXXX Has violated my rights 15 USC 1681 section 604 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2024-06-22 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: MD

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

( 1 ) XXXX XXXX Account number # XXXX ; ( 2 ) XXXX XXXX XXXX Account number # XXXX Has violated my rights 15 USC 1681 section 604 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I recently filed 2 disputes for unauthorized charges. In both cases, I submitted correspondence from the merchant involved. The first dispute was denied although I submitted correspondence from the merchant confirming that they have no record of me being a customer of theirs. The second dispute is for a fitness company that I purchased an exercise machine from but after my initial purchase, they continued to charge my card without authorization. I submitted evidence of my attempts to resolve this with the merchant but to no avail. As of XX/XX/year>, the funds have not been returned. As I continue to wait, I received an email from Chime stating that they will be closing my account. I feel like I'm being retaliated against for filing a dispute. I am the sole provider for my family of XXXX, with XXXX XXXX. I rely on every XXXX I have, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: SC

Complaint narrative:
My daughter had a XXXX in XXXX and she was out for XXXX months and she wasn't able to take herself or my XXXX grandkids. I requested a modification which was approved and I have to pay half of the cost. I had to pay my half on XX/XX/XXXX, but on XX/XX/XXXX my accounts was hacked the account that the money was supposed to come out of XXXX of the accounts but the account was locked. I immediate called each company that I had accounts with and explain what happened on XX/XX/2024. Each company was willing to help me until the case was done, expected Essex Mortgage Company. The company put my house in foreclosure and the company put on my credit that I was XXXX months behind along with another late payment for XXXX months. This has stopped me from selling my property and getting another house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concerns and frustrations regarding my experience with Wells Fargo, specifically in relation to my credit card account. Despite closing my checking account with them, I decided to maintain my credit card. I anticipated that making payments would be as straightforward as with my other credit cards, but unfortunately, this has not been the case. I have encountered numerous obstacles that have resulted in unjust late fees. 

Firstly, on the day before my due date of XX/XX/year>, I attempted to link a bank account from another institution to my Wells Fargo account to facilitate payment. Unexpectedly, I was informed that this process would require three business days to complete, during which verification codes would be sent to my checking account. This seemed unusual to me, as Wells Fargo was the recipient of the payment, not the sender. As a result of this delay, I was charged a late fee of {$39.00} for XXXX. 

Secondly, after successfully setting up my checking account with my Wells Fargo credit card, I made payments for XXXX and XXXX. However, when I set up an automatic payment, it failed to process, resulting in another late payment fee of {$39.00} for XXXX. 

Thirdly, my credit card payment is due on the XXXX of each month. On XX/XX/XXXX, I noticed that the automatic payment had not been processed. I promptly set up another automatic payment. However, when I checked my account on XX/XX/XXXX to ensure that the automatic payment was scheduled for the XX/XX/XXXX payment, I discovered that it was instead scheduled for XX/XX/XXXX. This was surprising and concerning, as I had specifically set it up to take effect immediately on XX/XX/XXXX. 

Lastly, I called customer service on XX/XX/XXXX to inquire about the late fee charged in XXXX, despite having set up an automatic payment. I also questioned whether I would be charged another late fee of {$39.00} in XXXX, even though I had an automatic payment scheduled. I expressed my concerns about the numerous obstacles I faced when trying to make payments, which seemed to create a cycle of late fees. The customer service representative I spoke with was combative and suggested that if I manually paid my XXXX bill on XX/XX/XXXX, there would be no late charge. This response was unacceptable, as I was not informed of any delay in the commencement of my automatic payments. Had I not remembered the previous late fee, I would have been charged yet again. 

I am seeking your assistance in resolving these issues. I believe that the obstacles I have encountered in making payments and the resulting cycle of late fees are unjust. I look forward to your prompt attention to this matter. 

Sincerely, 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).

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 2024-06-22 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: IL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, XXXX withdrew XXXX payments in the amount of {$95.00} ( total of {$470.00} ) from my bank account that is through Chime. I closed the card, contacted chime to file the dispute for unauthorized transactions. They denied the dispute on XX/XX/XXXX XXXX so I contacted XXXX to dispute with them. they stated they sent a refund for the transactions ( all XXXX ) back to my account ( all info correct ) on XX/XX/year> at XXXX. I contacted chime again, and they said that XXXX did not. XXXX sent a receipt of the date and time they send the funds back, and chime is still denying my claim and refused to give the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have had two small disputes pending for months. They are only {$50.00} and {$20.00}. The bank will not give me any information or credit my account. I can show numerous emails and live chats that I have attempted to resolve this issue. 

Furthermore they advertised a {$250.00} sign on bonus which is the reason I opened the account. They never issued it. This bank is just terrible all the way around. They should be banned from doing business in the US. If you look online they do this to many other people. Just horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NC

Complaint narrative:
I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account NumberXXXX. XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve 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
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I am writing to file a complaint against Gurstel Law Firm , P.C . regarding their unfair debt collection practices. 

I am currently unemployed due to severe XXXX, which led me to resign from my job. I have communicated my medical condition and financial hardship to Gurstel Law Firm multiple times. Despite this, they have refused to negotiate a settlement for my $ XXXX debt, even after I offered to settle for 10 % XXXX % of the balance. 

Their refusal to work with me and ignoring my documented medical condition has caused me significant stress and paranoia, which I believe constitutes harassment and unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). I can provide documentation from my XXXX  and XXXX to support my claims. 

I have tried to resolve this issue with Gurstel Law Firm directly, but they have been uncooperative and dismissive of my situation. Their actions have further damaged my mental health and financial stability. 

I am seeking your assistance in addressing this matter and ensuring that Gurstel Law Firm complies with the FDCPA and treats me fairly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'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 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 non-monetary relief