vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company Ability Recovery Services LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MO

Complaint narrative:
I wrote a third-party check to a Painter, XXXX, in the sum of {$4700.00}. The check was deposited in XXXX account on XX/XX/year>, and the funds removed from my personal checking account the same day. XXXX bank is XXXX XXXX refused to honor her for seven days and would not tell her where the funds were withdrawn from my account. XXXX received a letter from the bank stating We are taking this action because we have information that leads us to believe that the check may not be paid. XXXX and I jointly talked to the bank fraud control who advised that XXXX XXXX XXXX XXXX had the funds and had not released them yet. The statement lead XXXX to believe that I did not have sufficient funds to honor her check which is libel and that my account had more than sufficient funds to honor this check.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
Consumer portfolio reported 2 months late on my credit report when nobody could tell me or the joint applicant why. We talked to consumers two days before they reported it and nobody ever said theyre was a left over balance of XXXX on the account. And if the co applicant was paying on a payment plan why was that not applied to that balance and a new left over balance mentioned? Co applicant was already on a payment plan ( which they cant find ) because their representative XXXX didnt push through the documents to his supervisor ( which is also on recording ). When I called to asked about why all the times me and the co owner called no one mentioned this. I also asked if they had the monitored and recorded calls to prove if any representative ever mentioned anything about a left over balance and XXXX XXXX said she couldnt access them or find them. As I was voicing my statements about how unfair it is that Im taking a hit for their mistakes, them not communicating effectively and their employees not taking accountability or doing their job, I asked to be transferred to her supervisor XXXX XXXX. Spitefully I feel shes reporting inaccurate information on my credit report and every time Im transferred to the credit department they only send me to her extension purposely. You can tell she has involvement because in the photos you can see XXXX reported one month now its reported XXXX  months now. Thats wrong. In the attached documents you will see the payment history, whats being reported on my credit and a statement with a balance that does not match. The Co owner just paid again before his due date and doesnt owe until XXXX. Nobody is trying to admit or correct their mess up and thats unfair to me because my credit has decreased XXXX points because of it and a derogatory mark has been added to make matters worse. All the times Ive called Ive kept it very professional and courteous but this has gone too far and is stressful. I have a recording of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TX

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 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 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, after series of disputes over the timing of deposits and coverage by clearing checks resulting in unlawful overdrafts I contacted a XXXX XXXX, XXXX XXXX XXXX who after a series of impassive contacts, they decided to close my checking account XXXX XXXX and savings XXXX and abandon XXXX XXXX as a customer with Wells Fargo Bank. Subsequently they closed the accounts, all that was in the checking I received, but the Savings had {$350000.00} and I did not receive the last {$150.00} plus interest to that date.. Contacts with the bank, that year and ensuing years, XXXX to XXXX have resulted in Wells Fargo stating that my account is not able to be found. This posturing on their part with the ridiculous claim there were not records of any account I held. Please review. I have time now to prosecute this claim in perpetuity.

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 2024-05-17 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached a letter to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: AR

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 confidentially under 15 USC 1681. 

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 AR Child Support - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681 s-2, they are suppose to 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 2024-05-17 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:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystems has negative information that is impacting my credit score and I'm trying to dispute it but they are using inaccurate information for the security questions, because I have been dealing with fraud and identity theft for about a year. They told me I would have to call the company about that.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of XXXX  I was offered a promotional balance transfer from Chase Sapphire. I utilized the promotion to transfer {$2500.00} from XXXX XXXX  with a fee of {$120.00}. 
The promotion was advertised by Chase as a interest free balance transfer until XX/XX/2024. However Chase did not fully and clearly explain that full payments on my standard daily purchases for each monthly cycle would not be applied to those purchases. I have paid off my Credit Card balances every month for years on ALL of my Credit Cards. I contacted Chase several times over the past few months because the statements are showing incorrect balances on the promotional rate, with one month showing a XXXX balance ( XX/XX/2024 statement shows XXXX balance ). I have done balance transfers in the past with other banks/CC and paid each monthly balance off and paid off the promotional balances by the end date of the promotion with no interest! 
Chase has been allocating some of my monthly payments towards the pay down of the promotional balance and charging interest on my daily purchases. 
The promotion was misleading and so is the so called " How to avoid paying interest on purchases '' description on page 2 of my monthly statement. The advertisement for the promotion never clearly described how interest was charged. The promotion said in big bold letters balance transfers would be interest free until XX/XX/2024. 
I have received one letter from Chase and the letter did not address my complaint I filed regarding my concern for the inaccurate XXXX XXXXXX/XX/XXXX statement, In fact the letter stated I was being charged XXXX interest? Each of my past monthly statements since XX/XX/2024 show that I have paid the balances in full, But yet I am being charged interest? 
After several phone calls and Chase refusing to reverse the Interest I have canceled the card. Chase will not provide me or have listed how my payments were applied on any of my statements. 
None of my monthly statements clearly define how the balance owed is determined including the promotional transfer. It is total confusion and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
I do not recognize these credit inquiries on my report and there are double inquiries that do not belong there. I tried numerous times to call and correct this with the credit agencies and they did not do as I asked. I need them removed immediately because they are not mine. I have provided an attached identity theft report. They are showing on my transunion and experian 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 non-monetary relief
Consumer complaint received 2024-05-17 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-05-17 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: NC

Complaint narrative:
I recently reviewed a Copy of my credit report. I am extremely staggered from seeing an open account - XXXX XXXXXXXX dated XX/XX/year> that been on my credit that I did not authorize. This is not fair while Im in process of closing in on a home for me in my family to stay in and I cant because of these unauthorized accounts on my credit. Please remove these accounts as soon as possible please and thank you.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
My SOFI credit card was fraudulently used at XXXX XXXX on XX/XX/23 for {$3100.00}, and the issue was disputed with SOFI, and a police report was filed and submitted to SOFI as requested. Since then, SOFI has refused to resolve the issues and also went further to report them on my credit history as an unpaid debt. I reported the issue to XXXX and XXXX but it is still not resolved. Currently, it is affecting my credit history. Please, I need help with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 1. **Incorrect Information** XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX NC XXXX XXXX NAMES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Update my information as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief