vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: CT

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-27 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: TX

Complaint narrative:
I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: U.S. BANCORP
State: FL

Complaint narrative:
I've made a product change from one credit card to the other to get 5 % cash back on some categories. Choose utilities for the 4th quarter of 2023. While I was on the phone with them ( on a very very very very loooong phone call... ) I was passed to the manager XXXX who assured me I was getting my 5 % for utilities purchases made during the period. The proper rewards never showed up in my account. A couple of weeks ago I called us bank again and was told once more the 5 % would show up anytime. Today I called them again and was disconnected after talking to the first attendant about the issue and waiting to talk to someone else for almost 10 minutes. It's almost a month now and the roughly {$30.00} that I was supposed to get from my almost {$600.00} utility purchases already made this quarter ( and fully paid off!!! ) appear in my account are not there yet.

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 2023-10-27 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:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

XXXX XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$5300.00} XXXX XXXX {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2023-10-27 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: TN

Complaint narrative:
I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, Transunion, XXXX ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter with a complaint about the bank 's tactics, which I felt were discriminatory. The letter explained the bank 's side of the concern. On XX/XX/XXXX, I received a cashier 's check from the bank in the amount of {$36.00} from a refund to XXXX, which they pushed through to the card ending in XXXX. I am XXXX and do not handle checks, cash, or anything I can lose and have difficulty replacing. I was surprised that I had received a cashier 's check. As expected, the check was lost by me on the SAME day. I contacted the bank the following day as a former client because I had closed the account on XX/XX/XXXX in order to have the check replaced. As expected, BMO said I needed to go to a branch. This was strange because : 1 ) the Cashier 's Check did not originate from a particular branch, and I closed the account on XX/XX/XXXX. On XX/XX/XXXX, I visited the XXXX location. The banker said she would give me a call on XX/XX/XXXX but she could not find the check. This never took place. When I called on Friday, she was unable to provide me with the complaint procedure and instead directed me to customer service. I have had trouble with the customer service team since they do not seem to care about their customers, which is why I initially closed the account on XX/XX/XXXX. Getting my check replaced is what I am hoping for. It is obvious to me that because of my XXXX ) XXXX and XXXX ) perceived race, I am being discriminated against, as there is no other reason to treat me consistently in adversarial ways.

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 2023-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a borrower impacted by the Joint Consolidation Loan Separation Act. I have completed a XXXX  reconsideration request ( including my employer certification ) and have been assigned a case number. As I believe I will now qualify for XXXX, I sought forbearance with my loan servicer, AES. This was granted through XX/XX/2024 ; however, interest continues to accrue monthly. When I asked for interest-free, I was denied. This is presenting undue hardship and financial risk to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OH

Complaint narrative:
I am submitting to formally request the removal of four remaining fraudulent inquiries from my credit reports. These inquiries should be expeditiously addressed in accordance with the FCRA section 605b, which obligates Credit Bureaus to remove items listed on an identity theft report. The inquiries requiring removal within 15 days are as follows : XXXX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023

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 2023-10-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Our non profit company XXXX XXXX XXXX and XXXX XXXX has a bank checkings account with Bank Of America. 
We have had fraudulent charges/checks posted on the account since XX/XX/XXXX. 

There were three fraudlent charges made between XX/XX/XXXX and XX/XX/XXXX by the same person who we do not know, and while Bank of America returned two fradulent charges, they said we are liable for the 3rd fraudulant charge. We had immediately contact Bank Of America to alert them about these 3 fraudulent charges of {$1000.00} each. 
We submited an ACH form as per their instructions back in XXXX, XXXX. They have not responded or taken any action on letting us know how to reconsider this and they have given NO reason why we are liable for the third fradulent charge. We desperately need help because this theft has occured on a non-profit clinical research organization account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: OR

Complaint narrative:
Experian credit report was updated without my consent giving another person/persons access to my information. The company is difficult to reach, sends callers in circles with few representatives available to assist. If you ever do get to a rep they disconnect without completing requests and don't call back.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 20 years and throughout those years have been charged overdraft fees many times. I was bit informed of the lawsuit for unlawful practices nor did I receive a lettter in the mail. I find this very bad and would have wanted to be notified!

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 2023-10-27 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: NJ

Complaint narrative:
I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX  Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.

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 2023-10-27 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Complaint Against Wells Fargo for Mishandling of Unauthorized Withdrawal and Failure to Reimburse.

I am writing to file a formal complaint against Wells Fargo regarding their mishandling of my claim for an unauthorized withdrawal of {$15000.00} and their subsequent failure to reimburse me the full amount of {$32000.00}, which includes the {$17000.00} deposit that was mistakenly processed as a withdrawal. I have requested a copy of the withdrawal slip, which raises further concerns. The slip does not have my full name written, instead, it uses an abbreviation of XXXX XXXX. 
Additionally, my signature is written twice on the withdrawal slip, a perplexing inconsistency. I am at a loss as to what more I can do to rectify this situation. 
On XX/XX/XXXX, I visited my local Wells Fargo branch to deposit {$17000.00} in cash into my account. However, due to an error on the part of Wells Fargo, my deposit was incorrectly processed as a withdrawal of {$15000.00}. This mistake has caused significant financial distress and inconvenience. 
To support my claim, I possess a video recording captured on XX/XX/XXXX that clearly shows me depositing the aforementioned {$17000.00} cash at the designated Wells Fargo XXXX. The video includes a timestamp, location, and date stamp, all of which confirm the legitimacy of my deposit. Upon discovering the error, Ive immediately contacted Wells Fargo 's dispute resolution department to file a claim on XX/XX/XXXX the deposit wasnt showing on banking app available balance.. Ive recently spoken with XXXX, a representative from the corporate office & her supervisor last month in XX/XX/XXXX, who acknowledged the mistake. However, it was disheartening to learn that Wells Fargo claimed they did not have video surveillance footage from XX/XX/XXXX after requesting it over a duration of 3 years, despite my possession of my own conclusive evidence. 
Over the past 3 years, I have diligently followed up with numerous calls and emails to Wells Fargo in an effort to resolve this issue and retrieve my rightful reimbursement of {$32000.00}. 
Despite my persistence, Wells Fargo has failed to take appropriate action or provide any satisfactory explanation for their inaction. 
I kindly request the assistance of CFPB in facilitating a fair resolution to this matter. It is evident that Wells Fargo 's mishandling of my claim and their refusal to reimburse the full amount has caused significant financial hardship and distress. I trust that your intervention will help rectify this situation and ensure that I am rightfully compensated. 
Thank you for your attention to this matter. I look forward to a prompt response and resolution.

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 2023-10-27 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: CA

Complaint narrative:
I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27 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: SC

Complaint narrative:
FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days.

I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information
Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

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