vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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:
RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX I looked at my credit report 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 follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 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, 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 1681s-2 they are supposed 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 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 2024-12-10 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: GA

Complaint narrative:
RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX I looked at my credit report 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 follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 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, 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 1681s-2 they are supposed 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 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified.

Immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified.

Immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates , LLC. ( Wakefield ) is the collection agency attempting to collect medical debt owed to XXXX XXXX XXXX XXXX, in Florida, placed on account with Wakefield on XX/XX/XXXX. As of XX/XX/XXXX, per Florida statute XXXX XXXX, the statute of limitations for medical debt collections is three years. The debt Wakefield is attempting to collect is more than four years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Late Payment : XX/XX/year> Nature of Complaint : On XXXX, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EXPERIAN has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, 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 2024-12-10 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: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning and have no idea why theyre there. When I checked my report as I normally do, I noticed these unexplained discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. This situation is extremely frustrating, and I urgently request that the documents I provided be reviewed carefully to resolve this issue and prevent further worry.

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 2024-12-10 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
Duvera Billing/Easypay has violated 15 USC 1681s-2 ( a ) of the FCRA. Account lended by Easypay was reported as closed/charged off as of XX/XX/year>. The creditor has reopened the account, changing the status to open, violating federal law. XXXX XXXX and XXXX are also in violation if this continues to be reported. The credit bureaus or Duvera will delete this file from the report completely. Adjusting only the status is unacceptable because of inaccurate reporting. The creditor is also in violation of Texas law by exceeding interest rate caps, and engaging in predatory lending. They attempt to circumvent law by claiming extension of credit through out of state banks, and have paid substantial fines as a result. Statutory and punitive damages can be sought for each violation of the FCRA regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
Ive had funds removed from my account without my authorization as well as some fees charged and the main thing is they tell me as a XXXX owner how to speak. Thats illegal. They can their companies how to speak. But they cant tell its customers how to speak. This is a violation of our right to free speech also for them to want or close my account over my language is also not only illegal but its fraudulent. Also as a XXXX business owner this is beyond openly XXXX this a direct law violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> looked at my check account and noticed XXXX transactions I did not authorize. Made through PayPal. XXXX don't have or use PayPal. Called Paypal. Direct to purchase gift card equals {$300.00} at XXXX. PayPal stayed on phone while I purchased gift cards. Payed with my debit card. Looked at bank account and was wiped out of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Re : Wells Fargo # XXXX - Interest charges On XX/XX/year> I had a purchase at the XXXXXXXX XXXX XXXXXXXX of {$7.00}. 
On XX/XX/year> I was charged on the Credit Card {$7700.00} instead. This created the overdraft problem. 
On XX/XX/year> my checking account with Wells Fargo was charged {$15000.00} instead of the correct balance of {$8200.00}. Since the account was on auto pay full statement balance, I didn't notice until my checking account with Wells Fargo was overdrawn due to the overcharge of {$7700.00}. On XX/XX/year> the amount was returned but the damage was already done. 
On XX/XX/year> I called Wells Fargo to let them know I paid the overdraft amount right away so as not to incur interest charges. The customer rep said she waived the interest, but I have been getting charged interest every month since then. 

XX/XX/year> Overdraft protection {$290.00}, {$2100.00} = {$2400.00} XX/XX/year> Payment of {$2400.00} I called Wells Fargo and told them what happened but Im still getting charged interest every month. 

XX/XX/year> {$12.00}, XX/XX/year> {$25.00}, XX/XX/year> {$25.00} = {$64.00} How can I get this problem corrected? 

Thank you in advance for your help in this matter 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 2024-12-10 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: TN

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-12-10 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-10 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:
I sent a letter to XXXX XXXX  on XX/XX/year> asking them to validate an account XXXX that is on my TransUnion credit report. I waited 30 days for them to respond and did not get a response from them. 

I then send a second letter on XX/XX/year> asking them to remove the account from my TransUnion credit report because they failed to respond to me within 30 days of my first letter. 

It has now been 30 days since I sent the second letter and I still haven't gotten a response. 

Please have this account removed from my TransUnion credit 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 2024-12-10 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: CA

Complaint narrative:
This is a formal complaint regarding the ongoing inaccurate information being reported by TransUnion on my credit report. I have taken the necessary steps to dispute these errors and provided supporting documentation, yet the incorrect data continues to remain, causing harm to my credit score and overall financial standing. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of reported information and to delete any disputed and unverifiable data.

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 2024-12-10 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The customer service rep at the XXXX XXXX XXXX WA ) branch told me to file a local police report, which I did ( XXXX WA police department Report # XXXX ). 

The XXXX XXXX XXXX representative also called " XXXX '' at XXXX XXXX XXXX, using my cell phone ; XXXX told me to provide him the police report. XXXX said that he expected the police to contact him and would not answer any further questions ( " the police have to contact me, not you. '' ) Chase Bank 's Consumer Claims Fraud Hotline ( XXXX ) said they would consider the last 30 days and investigate. But the letter they sent said they were closing the claim. The claims department insisted they were not responsible for digital wallets. However, I do not use digital wallets because I do not even know what it is. 

The first theft occurred XX/XX/XXXX. I first reported the problem to Chase XX/XX/XXXX. I received a new debit card. However, unauthorized charges began again quickly on XX/XX/XXXX. I again reported the thefts, and a second new debit was issued. And again, the unauthorized charges began recurring. 

In all, there were XXXX unauthorized charges made to my business account ( I am a taxi operator and have never purchased anything from XXXX XXXX XXXX, nor do I accept digital wallets as payment for taxi fares ). {$9100.00} was stolen from me. Chase Bank has refused to honor federal law regarding illegal electronic fund transfers. 

Further, I am an XXXX XXXX  ( in the XXXX since XXXX, XXXX XXXX  in XXXX ) and speak with a thick accent. In addtion to everything else, I believe I am being discriminated against and exploited by both Chase Bank and by XXXX XXXX XXXX. 

I need your help in recovering these funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this item. Actually I am not sure that the item is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

Bankruptcy XXXX XXXX XXXXXXXX

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 2024-12-10 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:
I PULLED MY EXPERIAN CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME.

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