vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to cash/deposit a XXXX XXXX XXXX XXXX XXXX XXXX check issued on a Wells Fargo account and I was told by my banking institution and subsequently by Wells Fargo Bank that it could not be cashed because it was for an estate account and those accounts are usually for deceased persons. 

So, called the XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inquire why XXXX  years in a row I have been sent refund checks that are made payable to the " Estate of XXXX XXXX XXXX ''. I was told because someone checked a " deceased '' box. I fully addressed with the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX that they should have looked into the matter last year when I signed a refund check from them for $ XXXX after they paid XXXX & XXXX XXXX XXXX VA for delinquent taxes that I didn't owe for a car that wasn't in my possession. Then I signed and mailed in my tax return this year for a refund that was supposed to be direct deposit. I inquired as to why it would be acceptable for a box to be checked for a deceased person with no valid death certificate on file and I also asked Wells Fargo why don't they fingerprint to cash checks anymore. The XXXX XXXX XXXX XXXX XXXX  XXXX denied having a valid death certificate and could not see in their system who was marking it. So, I guess if the deceased marked person hadn't paid taxes this year, XXXX XXXX XXXX XXXX, VA would have been allowed to collect for XXXX taxes and get paid the refund issued to XXXX XXXX XXXX again this year. Then they ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX want a phone number to carry on a conversation like they have known me for years. No phone number provided. Contact may be by mail or email. 

Therefore, there is nothing further I can do regarding this matter other than to report it. I don't work for either incompetent institution, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX or banking institution Welss Fargo or others identified.

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 2024-06-03 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was charged XXXX and didn't receive goods or services merchant wouldn't reimburse me. Also costco visa from citi wouldn't reimburse for the fraudulent transaction which is a violation of visa terms and agreement. I want full reimbursement from citi visa.

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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-03 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: TN

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
XXXX is currently reporting inaccurate information regarding a credit card account since XX/XX/2024 which is the last reported balance update on my XXXX report. I've disputed the inaccurate information unsuccessfully XXXX times. The very first time speaking with an agent at XXXX, I was advised that the incorrect balance could be " manually adjusted '' if I'd provide the most recent statement reflecting the correct balance. That date was on XX/XX/2024 in which I also provided ocular proof of correct balance information via upload to XXXX. On XX/XX/2024, I contacted XXXX for the third or fourth time and spoke with a kind representative named XXXX who first informed me that because I lived at my current address for less than 90 days, that I needed additional screening to proceed with conversation. I've owned and lived in my current residence for almost 4 years now ( currently reporting on XXXX ). After my correction, we proceeded with my inquiry. After explaining my issue, XXXX had informed me that Mercury had told XXXX to " not change '' the information which baffles me. XXXX did confirm receipt of my upload with correct statement balance. After conferring with a superior, XXXX informed me that the only course of action for me would be to contact my creditor ( Mercury ) and ask them to respond to the dispute that was sent. I then contact Mercury directly. The associate confirms for the second time that my correct balance was reported to XXXX on XX/XX/XXXX which is the day after my statement date ends and that there were not any disputes on my file from XXXX. To expedite a solution, the associate was willing to have a 3-way call with XXXX to rectify the issue. I then reach back out to XXXX to initiate a call and am given an agent named " XXXX. '' XXXX informs me that after confirming receipt of my uploaded document that I would just have to wait until the investigation is over which would take up to XXXX calendar days but usually before the XXXX mark. I express to XXXX that per Mercury, there are no disputes in my file. By this time, I'm just over all of this, however, I pose a possible solution XXXX. I recommend that we complete a 3-way call to Mercury to rectify the issue. XXXX conveniently tells me " We just stopped doing that, Sir. Unfortunately, that's no longer an option. '' I politely digressed and informed him that there was nothing left to do but consult with CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

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. 
I told XXXX, XXXX, and Equifax to reinvestigate the XXXX accounts that's below and label as XXXX XXXX and XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, inaccurate late payment, false reporting with collection and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

looked at my report and noticed everything is still the same.. 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case - XXXX XXXX XXXX IS DAMAGING MY REPORT THIA ACCOUNT IS NOT MINES I DID NOT SIGN ANY DOCUMENTS OR AGREED TO ANY TERMS WITH THIS COMPANY. THIS IS IDENTITY THEFT CREDT COLLECTION SERVIC HAVE NO RIGHTS TO REPORT SUCH INFORMSTION. I REFUSE TO PAY SUCH DEBT. I DO NOT OWE SUCH DEBT THIS IS A VIOLATION UNDER 15USC1692g, 15USC1692b, 15 USC1692e, 15USC1681e ( b ). 

- XXXX XXXX XXXX REPOTING FALSE INFORMATION. REPORTING 30 DAY LATE PAYMENT. INACCURATE AND FALSE REPORTING I WAS NEVER LATE THAT IS FALSE INFORMATION AND REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 explanation
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-03 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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 am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information on my 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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IN

Complaint narrative:
I initiated a balance transfer with XXXXXX/XX/XXXX XXXX  in the amount of {$6000.00} to pay a US Bank account on XX/XX/XXXX. After entering all my info for the transfer everything seemed typical. On XXXX I saw on XXXXXXXX XXXX that a transfer had been initiated to US Bank and all still seemed fine. However when that transfer had not posted to my US Bank Credit Card by XX/XX/XXXX, I grew concerned so I called US Bank and was told there was no transfer in process and they recommended I call XXXX. I then immediately called XXXX XXXX  and explained that a transfer for {$6000.00} was posted to my XXXX account but the US Bank has no record of it. That's when I learned the wrong account number had been paid. The account was still with US Bank or so I was told but was a completely different account number from my own. During that conversation the representative said it looked like a possible banking error and the situation had been elevated. After not hearing anything back I called XXXXXXXX XXXX  again on XX/XX/XXXX to get an update. They said then that I would need to wait XXXX business days while the process was handled. I figured they would fix the problem and the transaction would get reversed during that time, it did not. I then called again on XX/XX/XXXX to get updated on the process as the XXXX business days had lapsed. I was then told the situation had been elevated to a team with no internal line and that the process would take up to XXXX  days from my initial call on XX/XX/XXXX to be resolved. Those XXXX days lapsed on XX/XX/XXXX and I have still yet to have the situation corrected or be communicated with by XXXXXXXX XXXX I have records I whom I spoke with on my XXXX call on XX/XX/XXXX but not the previous calls. 

This is a copy of my complaint made against XXXX XXXX there response was to essentially blame US Bank. I will attach supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-03 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: CA

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  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 explanation
Consumer complaint received 2024-06-03 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:
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 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 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I keep receiving unsolicited calls from the following number : XXXX the caller claims to be from Chase Bank. I repeatedly receive these calls daily. I want this harassment to stop immediately. 
When pressed by me the caller never provides any pertinent details as to why they are calling and refuses to give any additional information as to who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
XX/XX/XXXX, an auto loan was opened under my credit. My XXXX  sister and her boyfriend bought a car through XXXX. XX/XX/XXXX my XXXX  sister applied for a car, this hit my credit 5 times. Supposedly, the XXXX only used her social security number but my credit report showed up and she was approved through my credit score. I now have her name, employment, addresses, name, and phone number on my credit report along with her new car loan and her boyfriends. Its affected my credit score. I want her loans and all her information deleted from my credit, and my score back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have send out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation