vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-06-26 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> check for {$3100.00} was mailed to medical provider for procedure in XXXX. On XX/XX/year>, XXXX informed consumer that they didn't receive payment for the bill. The check was stolen ( in the mail or unknown location ), and alerted from legit XXXX  XXXX XXXX XXXX XXXX to unknown individual ( XXXX XXXX ). The check was cashed by XXXX XXXX XXXX  in XXXX VA by above individual. 

This consumer requested reimbursement from the JPMorgan Chase Bank , N.A . Request was denied because the time frame to request reimbursement has passed.

Unfortunately, this consumer was not aware about forged check being cashed. It is known to consumer now that it should be reported to JPMorgan Bank, N.A. within 60 days. 
However, since the check was so obviously alerted on the payee line, consumer feels that Chase Bank should take some responsibility for cashing forged check.

Consumer is retired and unable to pay her medical bill due to negligence of JPMorgan Chase Bank , N.A .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: NC

Complaint narrative:
XXXXXXXX XXXX  : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by XXXX ( XXXX ), XXXX ( XXXX ), and Equifax ( EQ ). XXXX reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and EQ reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, Equifax, and XXXX are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to complaint to DISCOVER BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: VA

Complaint narrative:
I just received an email today that someone opened a credit card in my name from Capital One. I also was notified that my credit score decreased by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with TransUnion, XXXX, and XXXX and have yet to receive notice of an opened investigation.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check to my business Checking acct from a reliable supplier, most of the funds have been witheld. Unlike all previous checks I deposited from the same supplier in the past, now Chase claims it will take 10 days to clear. Since they returned one of my other suppliers checks. Apparently, now that Chase lost a suit, they are starting to withhold funds to the full extend allowed, this is new and has caused us harm to our credibility. XXXX 's office should look into this slow walking deposits, it may be allowed but unnecessarily only using the funds for a few days to their own interest while keeping customers funds longer than needed. Checks from known customers do not require 10 days to deposit into our accounts. This is a new pain for small businesses. I called chase but they told me they are entitled to 10 days. I been a customer for 14 years, they never withheld funds for 10 days before. Sick how all these corporation just keep taking and manipulating rules in their favors please investigate and let me know if this is a new trend. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is about an email received from Wells Fargo.com advising of the account name change, and changes. These changes are drastic. 1. I no longer have free money orders or cashier 's check. 2. There's a {$15.00} and $ 10 monthly service fee if you don't have direct deposit ( total qualifying deposits ) of {$500.00} or more. 2. {$500.00} minmum daily balance. 3. Primary account owner is 17-24 years old. 4. The account is linked to a Wells Fargo XXXX ATM Card or Campus Debit Card. 5. A qualifying monthly non-civiliam military direct deposit with Wells Fargo XXXX XXXX Banking program. 6. There's also a statement that says, '' Please note that the monthly service fee can no longer be avoided by linking a Wells Fargo Home Mortgage. It further states that they'll waive the monthly service fee for the first XXXX fee periods after XX/XX/year>. 

As stated the Noitice was sent via email on XX/XX/year> and mailed in the checking account statement. The checking account statement didn't highlight that there were changes to the account. The notice was included on the last page and at the bottom of the statement as if they want consumers to not notice the changes. I don't know how consumers will be aware of the account changes if they bank on-line, who only read the statement financial portion to determine the accuracy. 

This isn't fair. They need to at least provide better notification, give at least 6 months to 1 year before these changes go in effect. I have been a customer with Wells for over 40 years. I have a mortgage complaint and have never brought those complaints to your ( XXXX ) attention. Consumers need more time to search other institutions for a plan that will fit their needs.

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 2024-06-26 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: U.S. BANCORP
State: GA

Complaint narrative:
I received at {$200.00} gift card, issued by US Bank ( XXXX  ) some time ago. On Sunday, XX/XX/year>, I attempted to use it at XXXX, and it was declined. I called the number on the back of the card ( XXXX ) and was told that my current balance was in fact {$200.00}. Today, ( XX/XX/year> ), I tried to use the card on XXXX again, given that they had confirmed by balance, but it was rejected again. I called the company and was told that the card was locked because of a fraud risk and I could go to their website, enter some info and they would send me a new card. When I tried to do this, the website gave an error, and told me to call to the same phone number. When I did that, I was told that i must have entered info incorrectly ( i didn't ), but could fax my personal info to them. I don't have access to a fax machine, so they want me to mail my personal information, including ID, to a XXXX XXXX XXXX XXXX. This feels insecure and unsafe, like they're trying very hard to keep my {$200.00}.

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 explanation
Consumer complaint received 2024-06-26 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: 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 non-monetary relief
Consumer complaint received 2024-06-26 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 non-monetary relief
Consumer complaint received 2024-06-26 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: EQUIFAX, 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX had a debt collection that was reverse back to XXXX XXXX XXXX Card and then XXXX XXXX XXXX  card reverse it back to First National Collections Bureau. 

First National Collections Bureau contacted Them by phone. 
Told me if I paid the debt of {$1300.00} that it was not going to be removed from my credit report. 

The thing is to this First National Collections Bureau says after payment it still remains on my credit file as collections. 

I ask to how something all sudden pops up 4 years later out of no where to this account ending in XXXX there was no notice or letter or nothing on XXXX XXXX behalf on nothing in 4 years. 

Talk to some one from XXXX XXXXXXXX XXXX  name XXXX XXXX claim be his ID XXXX nothing else was very defensive to his ID number or last name one would think as big as XXXX XXXX XXXX  is just a name XXXX no extension number nothing. 

I ask to place the account in collections he refused told me to fax it to a number that is not even first premier bank. 

account in dispute due to in 4 years I'm not even sure this is my account and fraud has been done in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by TransUnion ( TU ), XXXX ( XXXX ), and XXXX ( XXXX ). TU reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, XXXX, and TransUnion are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by XXXX ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). XXXX reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, Experian, XXXX, and XXXX are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE reviewed my credit profile for the first time and noticed I have unauthorized accounts that were not mine and I never opened these accounts also have addresses that did not belong to me or personal information. ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXXXXXX 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 explanation
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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