vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: AL

Complaint narrative:
I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The license number that that claim to have in the state of Florida does not exist. I will be filing a complaint with the Florida attorney general as well for making false claims and providing a false license number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
In XX/XX/XXXX on XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX One Main is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to 150. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and One Main is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XX/XX/year> I wired {$22000.00} from Wells Fargo Bank into an account with XXXX  XXXX XXXX. I was informed by the person I sent the money to that the funds were not available and that the account was closed. I then called Wells Fargo and opened a complaint because I was told by my bank that a reverse transfer could not be done. 
I continued to call Wells Fargo every other day to ask for status only to hear excuses and that it would take 10 days. After the ten days of repeated calling, my case was transferred to a different office ( escillations ) and they added 10 more days to my complaint and still no money. All this time and never received any information or formal communication from the bank. On XXXX XX/XX/year> I received a call from a third office who told me there was a new case # and I would receive written communication NLT XXXX XX/XX/year>. 
I have a bad feeling that I will never see that money again. 
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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have identified several incorrect accounts on my credit report, which appear to have been fraudulently added.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
We opened a new regular checking account at our local bank. I had some CD 's coming up for renewal with Marcus Goldman Sachs. We had issues with them in the past, so we decided to not renew any CD 's. I went in and changed the CD 's option to close at maturity and send funds to my new bank. I did not think much about it, since I had done the same thing with all our other companies. XXXX I tried logging in and a message came up we have locked you account no reason stated. I have been talkinbg with CSR over the last few weeks.l had two people say I have no idea I will get back that did not happen. About two weeks ago I was told they could not verify that account was our bank. My new bank does not do third party verify, so I was told that I needed to send in a bank statement.to make sure our names and address were on the statement. I still had not heard anything for two weeks. I called XX/XX/year> and was told the statement was no accepted since it did not have my Whole checking account number.. I checked with my bank and they said we do not mail statements with a full number. The account shows 4 numbers and I know they have the whole number since they called my bank to verify. and I furnrished this number when I added a linked to account number. They have over {$56000.00} that I can not acess and they have not given me what they plan to do with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: DE

Complaint narrative:
I am disputing the XXXX XXXX account on my credit report, which is inaccurately showing a collection balance of {$620.00}, past due as of XX/XX/scrub> 2024. This account was opened in XX/XX/year>2024, and the original creditor is listed as XXXX  XXXX XXXX N.A. 

In XX/XX/year>2024, I initiated a dispute because the account was incorrectly reported and no proper validation of the debt was provided. Despite this dispute, the account was updated in XX/XX/year>2024 without any verification or proper documentation being offered.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Complaint Regarding Chase Banks Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against Chase Bank concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXXXXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with Chase Bank, explaining the situation. To my dismay, two weeks later, Chase denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called Chase to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered.

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. Chases refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation.

I kindly request that the XXXX XXXX XXXX assist me in addressing this issue and helping me hold Chase accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint and an investigation is taking place but transunion has not reflected the updated profile or change to my report. The dated account is under investigation and I need transunion to reflect that. 



Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this 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 non-monetary relief
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of InquirXXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX  & XXXX  Date of Inquiry 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 2024-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: 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 ( Original Creditor : XXXX XXXX XXXXXXXX {$2300.00} XX/XX/year> 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: 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 ( Original Creditor : XXXX XXXX  XXXX {$2300.00} XX/XX/2024 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 XXXX 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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance to the fair credit reporting act, this creditor has violated my rights.

under 15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604A section 2, it also states A consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I made a purchase through XXXX, using my XXXX financial line of credit in XXXX of XXXX. I made two payments towards this item, once in XXXX of XXXX and another in XXXX of XXXX. The payment in XXXX was the full balance owed for the purchase - completing the agreement. I have attached a statement below, showing this payment being made in XXXX of XXXX. 

I wanted to make sure I understood how to direct the funds towards the correct purchase, so I called on XX/XX/XXXX and completed a smaller payment. I have attached the email I received confirming I performed the action correctly via phone call. 

I was told XXXX ( the same call in which I paid the full amount owed ) that the item was fully paid off and I did not have anything to worry about. 

On XX/XX/XXXX, I was charged {$450.00} in interest due to not paying off the item before the 12 month deferred interest had ended. This was news to me, because I paid this off almost a year ago ( XXXX, XXXX ). 

On XX/XX/XXXX I sent a message through the secured message center on XXXX XXXX XXXX website ( XXXX XXXX is now Comenity Bank ) asking for assistance due to the error in interest charged. 

On XX/XX/XXXX I received a message back informing me there was no error and to call customer service for more information. 

On XX/XX/XXXX I called customer service and was told it was MY fault, because I didn't understand how to make the payment over the phone- this is laughable, because as you can see in the email attached below, It's not rocket science. I had already made a payment and directed the funds towards specific items. The manager I spoke to on the phone told me they needed my inquiry in writing before they could help me. I informed her I had already sent a message to them via " Secure Message Center '' on their website and was directed to call. I was then told to submit a new message- which I completed. I informed the Manager that they have the call recording of me being told the amount was paid in full and she can review the call to confirm. She told me that she had the call but could not help me. 

This is unethical, immoral, and terrible customer service. I am being asked to pay {$450.00} for a mistake made by THIS company. I do not miss payments and I've had this account for years and done thousands of dollars of business with them. I feel like I'm being stolen from and they are not willing to help me. 

Please contact me as soon as possible so we can correct this error, that's all I'm asking for. 

XXXX XXXX - XXXX XXXX,

Company response to consumer: Closed with monetary relief