vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

Date Reported : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX US DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, 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. 

Date Reported : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX US DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This has been on my credit report for quit sometime. I have tried to dispute to through the credit bureau but it is still on my report.The original creditor os XXXX XXXX and I have called them and both times I hae=ve been told I have no out standing account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  shows XXXX  account # XXXX was first 30 days late in XX/XX/. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, two different dates it was charged off and two different balances. This needs to be removed from my report. 


XXXX XXXX  XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and XXXX. They refuse to remove the false date.

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 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I applied for a personal loan through Title Max located in XXXX XXXX, Texas. The total loan was {$1500.00} and I was told I would have to pay back a little over {$2500.00} including interest. I have now been paying on the loan since XXXX and have paid {$2500.00} but still have an outstanding balance of {$2000.00}. I contacted the customer service number and they advised to me to read my contract. I advised them I read the contract with the loan person and agreed I would pay back the {$2500.00}. I dont know what to do now. I can not afford to keep paying this loan. If I do, I would have paid over {$5000.00} and I know I wouldve NEVER agreed to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting fraudulent inquiries on my consumer report, the following are accounts that I have not authorized and the dates they started reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There was an account opened under my name without my knowledge. It was a TD bank checking account. As a result they used {$2100.00} and the account is in the negative and wont let me open a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: GA

Complaint narrative:
I use Chime as my bank to have my XXXX deposited as well as of every other dime of money saved. I had a charge that I did not recognize from Chime on my credit report. So I found Chime 's customer support number online and called went the prompts and finally got a rep on the line. She announced her as XXXX XXXX. She went through all of the verifications. So I explained to her there was a credit card on my credit that I did have have and told her the balance of {$1500.00}. She took me through downloading an application that gave her the permission to see what I saw on my Chime account to get this removed. My phone died in the middle of our conversation so she called back and left her name and number as [ phone redacted ]. I called her back long story short she took my money from my savings and credit builder account and transferred it to my checking account and had me put in the reason field Transferring to XXXX XXXX Once this was completed, she said my funds would then showed she correctly within XXXX minutes and hung up. I called back confirm what was exactly done and I reached another representative and she said it would show the next day and hung up quickly. I went and looked at the balance in all of my accounts and they showed {$0.00}! I called the number given and got no answer. I had my daughter call and the number was disconnected! These people took out every dime in all of my accounts. My XXXX, every XXXX to my name was gone. I called a different number given to reach Chime and explained what was done and I filed a dispute and gave documentation to support what was done. It took Chime a day to confirm that I would get no money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX, XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX a hard inquiry occurred on my credit report by CBNA that I didn't authorize.

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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I received a call from Rent Recovery Solutions on XX/XX/XXXX regarding a debt from XXXXXXXX XXXX Apartment Complex in XXXX XXXX TX under XXXX Communities. They left a voicemail. 

I contacted them back and requested information which was received on XX/XX/XXXX. This is the entire ledger they gave me : Move Out Check List Charges 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 Community Previous Balance Adjustment There was no breakdowns or anything. XXXX XXXX claimed it was move out cleaning fees and this ledger does not even say that. They still have not supplied the official ledger even after I asked for it last week. 

I received no notification of any debt owed from any company within the ten months of moving out. The debt company stated they received this debt on XX/XX/XXXX ( ten months after move out ) and still have not sent collection letters. 

I have left two calls and two voicemails, one on XX/XX/XXXX and one on XX/XX/XXXX which aren't being returned. During my second call, when in attempt to explain this isn't valid and the ledger wasn't helpful, the representative rudely interrupted me, berated me, told me nothing can be done until the apartment released the debt, and immediately transferred me without me even asking to be transferred to a voicemail. 

This debt by XXXX XXXX XXXX is not valid. The apartment flooded from an upstairs tenant and that's why they're charging me. They have sent no letters, no emails, and no phone calls even though they had my forwarding address. They sent this collection to XXXX XXXX ten months after the fact after a long period of silence. 

When moved out, I received an email stating a ledger of move out fees. The ledger was incomprehensible to me. The balance repeatedly said XXXX, but stated a total of XXXX dollars. It never said I owed anything not had any identification on said ledger ( no name, apartment, or something tying to me ). 

I sent an email to XXXX XXXX on XX/XX/XXXX asking if I owed anything which they did not answer. I called them and left a message which they did not respond to. 

This is an unfair practice. I have necessary documentation to prove I attempted to resolve the debt and heard nothing until ten months later from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, I am filing this complaint due to Chase unjustifiably and suddenly closing my account and therefore causing me a large number of issues. I would also like to point out this company ( JP Morgan/Chase ) did NOT make any attempt to reach out to me about my checking account being closed. Instead, they locked my online banking account and sent me an email asking me to " sign in '' to check my messages in the online banking account. See the issue with that? Anyhow, the main issue I am currently struggling with is my car payment to XXXX XXXX being reversed after I initiated the payment with funds from my checking account with Chase. This payment was already due on XX/XX/2023 and as I am writing this, it is currently XX/XX/2023. This will affect my credit negatively, and thus, throwing me farther into what seems to be a recurring cycle in America regarding banks taking advantage of American citizens like myself. Upon opening the account, I was also promised {$200.00} USD upon my first direct deposit. I think it is no coincidence that well after I had made my first direct deposit, the account was closed by Chase. I spoke with 6 different agents over the phone ( calling from XXXX ) and I spoke with three employees at two separate branches in XXXX, PA yesterday ( XX/XX/2023 ). At this time, I am considering contacting my lawyer to pursue a settlement for the stress caused and the financial hole I have sunken into all because of Chase deciding to close this account, but I am more than willing to give them a chance to make this right. They are telling me ( after making me go into 2 different branches for absolutely no reason after claiming I would be able to retrieve my funds, wasting gas money and energy ) that they will not be able to provide my funds until XX/XX/2023 and that it can only be mailed to me as a check for the amount. I would like the {$200.00} that I was promised upon opening the account, as I completed all activities that were required to receive this payment, along with the {$780.00} that they owe me from my balance when they closed the account. To clarify, I have spoken to a total of 9 different employees that work for JP Morgan/Chase and they have all told me different things but most of all had come to the conclusion that Chase was unwilling to expedite my check in the mail, despite me possibly losing my vehicle to repossession due to this inconvenience they are causing me, which would then also sink me more into debt and ruin my credit score. Please, help me resolve this. With all of that being said, an expedited check in the mail or the option to retrieve my funds, a total of {$980.00} including the bonus offer of {$200.00} I was supposed to be given, would resolve this for me. If my car is repossessed, I will be forced to take legal action on this bank. Thank you to everyone at the CFPB for all of the help they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Dear CFPB, I am writing to express my concern over the lack of proper handling of personal information at XXXX XXXX XXXX XXXX , M & T Bank XXXX XXXXXXXX XXXX  & XXXX XXXX XXXX XXXXXXXX XXXX. Thus, The Credit Bureaus have failed to uphold their duty of the Fair Reporting Act. 

I have been a customer at XXXX XXXX for many years and was never informed about their mixing of business and personal bank accounts and allowed to lock both accounts. I wish to know how this happened and how it is going to be handled moving forward. 

XXXX XXXX had failed to inform me about a charge off about to happen which hurt my credit and must be notified before that action takes place. 

M & T Bank in XXXX XXXX DE, has not used operating agreement to pull two credit scores and never submitted our XXXX. A previous Bank Branch Manager at the XXXX XXXX, DE, Lied about the process hindering our growth. 

True access capital in XXXX, DE had wasted three month of our valuable time and we had stopped growth because of this. There non transparency had made the business shift gears in the wrong direction They miss more documents that are paid up and are losing grip of growing and sacrificing personal credit for the business. We are afraid of the banks breaking rules and taking funds illegally. If I can remain anonymous as to who made the inquiry to protect my business especially XXXX XXXX, much appreciated. 

Please look at 12 USC 1431 at how businesses are entitled to some amount. Thank you! 

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting XXXX and Experian to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for XXXX and Experian to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX Account number XXXX Account Name -BK OF XXXX Account number XXXX Account Name -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX, Wells Fargo reduce my credit limit by from {$19000.00} to {$9000.00}. When I inquired as to the reason the response I received was that I was late on a monthly payment. This late payment was due to the bank changing my statements from paper to paperless without my authorization. I requested that the back wave the late fee and reinstate my credit limit and requested documentation that I approved the paperless change in receiving my invoices for payment. After 2 months of escalation of the issue to the head office, I was told they could not provide the documentation and the basically said that they have been sending both paper and paperless billings to me so the matter was not valid. They do not even have an option to have both paperless and paperless billing options available. It is my contention that they are purposefully changing customer accounts to paperless without authorization in hopes to collect late fees when the client doesn't pay the bill on time. I am wondering how many other Wells Fargo clients have been defrauded by this type of action.

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