vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
They are report late payment when I have provided proof that I was never late wit my child support it shows I only have XXXX percent payment made on time when it should be XXXX percent payment made on time the account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Chime Financial Inc
State: AL

Complaint narrative:
I went to check my account and realized that i have several of unauthorized transactions on my Chime checking account that I have no knowledge of. A total of XXXX unauthorized transactions has been made on my account which totals up to be {$1200.00}. I reached out to Chime support and reported the issue to them to make disputes on the unauthorized transactions and was told to call them back within a XXXX XXXX XXXX when pending as been taken off of my account for the unauthorized charges. {$1200.00} has been taken out of my Chime checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: OH

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( XXXX ) 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. Lastly, 15 USC 1681 s-2 ( a ) ( XXXX ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened 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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: CT

Complaint narrative:
this is a follow up on complaint ID # XXXX I had a monitoring service with XXXX XXXX XXXX that I terminated in XXXX of XXXX I had an automatic payment setup for the monthly premium, however after i terminated the agreement and sent a cancelation notice I was told that i owe a late fee of {$49.00} which i did not agree with, I tried to contact XXXX  on several occasion however i was put in on hold and couldn't speak with the customer service. 
I even sent a note in the mail informing them that I do not agree with the balance they thought that i owed them. 
Until beginning of XX/XX/XXXX I received a text message from the following individual XXXX XXXX Zions Debt Holdings, LLC XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX XXXX Claiming that my account is schedule to be reported to the credit bureau XXXX and to call and discuss After exchanging few e mails I learned that Zion Debit holding bought the account from XXXX and they added extra fees and interest on top of the original balance of {$49.00} to make to total of {$120.00}. 
after discussion and e mail exchange I got the original spread sheet showing the balance however nothing mentioned about the interest or service fee according to the federal and state of CT law A debt collector may not collect any interest or fee not authorized by the agreement or by law. 
Fair Debt Collection Practices Act | Federal Trade Commission 808.

( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

Also based on state of Connecticut Law Unfair practices Consumer collection agencies may not engage in unfair practices when they try to collect a debt. For example, collectors may not : collect any amount greater than your debt that is not expressly authorized by the agreement creating the debt ; Also according to Connecticut law Consumer collection agencies must be licensed in Connecticut. If you have been contacted by a collection agency and would like to find out if it is licensed I did check the license debt collection agency licensed by the state of connecticut and Zions Debt Holding LLC is not listed, their fore I don't believe they can practice within my state I attached related document with this complain

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.

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 2024-02-28 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: MI

Complaint narrative:
I RECIEVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MI

Complaint narrative:
I RECIEVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Isnt it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? I have reached out to Experian several times requesting them to remove the old address XXXX XXXX XXXX XXXX XXXX SC XXXX from my credit report. However, Experian is refusing to remove the old address. I had no problem getting the address remove from XXXX, and XXXX. 

I have sent several letters to Experian regarding inaccurate information in my credit file, but I have not received any response from them, and the inaccurate information remains in my credit file. Now, I would like to formally file my CFPB complaint

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In my checking account there is {$1100.00} and Wells Fargo decided to randomly close my account because as they state it, it was a company decision they said ill get the remainder in a check sent out to my address. As of XX/XX/year>, my account is in the process of being closed so i have no access to my funds and i cant pay for anything.

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX. I went to business/wellsfargo making a deposit on XXXXusd XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.

Not to to mention Wells Fargo breaking sl, entering and searching my rental property

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 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Going through my credit report I have seen that Ally has been reporting negative remarks on my credit report for over a year now, severely crippling my credit score and chances for any new types of credit. They have violated 15 USC 6802 ( B ) I the consumer was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties. Also my credit report states that this was a loan, but it was indeed a credit sale another inaccuracy that violates 15 USC 1681 ( b ) which states following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And finally per the FCRA as a Federally Protected Consumer I am opting out of any and all authorization I the consumer may have given either written, unwritten, verbal, or nonverbal. This said vehicle was sold at an auction at the end of XX/XX/2022 and they received a larger amount than what was owed, and continued to make my credit report suffer.

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 2024-02-28 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:
We submitted a request to XXXX to take out the incorrect flag on my credit report and they did take it out. 

For context, a flag appeared on my credit report for a XXXX  bill that was sent to collections. However, I've never done any business with XXXX . My phone and Internet service has been with XXXX XXXX XXXX for about XXXX years. 

XXXX DID take this incorrect information off of my credit report. However, this incorrect flag is still on my other credit reports. Experian and XXXX are still showing this on my credit report file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED THAT THERE IS ACCOUNTS THAT DONT BELONG TO ME. XXXX XXXX IS THE MAIN ACCOUNT. THIS IS BRINGING ME GREAT DISTRESS AND I CAN NOT CLOSE ON MY NEW HOME NOW. I MAILED IN MY FTC REPORT TO ALL THREE CREDIT COMPANIES AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: VA

Complaint narrative:
I paid {$350.00} as a mortgage application fee. I applied for a mortgage with US Bank of approximately {$200000.00}. My house is in a leasehold, so it requires extra steps of approval. US Bank neglected to complete ( or even start ) those steps until XXXX XXXX before closing. XXXX XXXX before closing, today, after I wired XXXX XXXX to my title company to close, I received a phone call stating that, although I was final approved, US Bank had approved a closing contingency that was impossible to meet because of timing.

I have not ever received phone calls back from XXXX XXXX, nor has my realtor. US Bank sent my loan application, lacking required documentation, to underwriting XXXX times, delaying the process on their end. I am outside of the XXXX credit check window, so my credit is damaged if I need to get another mortgage.

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 2024-02-28 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: OH

Complaint narrative:
n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation