vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2024-06-14 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:
I have identified these items on my credit report that are a result of XXXX XXXX. These items are not related to any transactions completed by me. 
The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Hard Inquiry listed from : XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Upgrade charged off my accounts after reporting a full debt validation with the company. Never received any information back. They sold the accounts but still reporting to my credit profile incorrectly. According to the FCRA LAWS A CHARGED OFF ACCOUNT THAT HAS BEEN SOLD NEEDS TO REPORT AS SETTLED FOR LESS SINCE THEY SOLD IT AND RECEIVED PAYMENT FOR DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They call me consistently several times a day every single day for months. They use a different number every time. I asked what it was in regards to and they told me it's a " personal business matter '' and tried to make me give my personal information to them before they would tell me anything. I told them I was not comfortable giving them my information without knowing who they are or what they want and was told a simple XXXX search would tell me who they are. I said that does not explain why they are harassing me daily and why they can not explain to me their business or what they want from me. They were extremely rude and I asked them to stop calling me if they can not give me any information but they will not. It is now harassment, they refuse to explain to me who they are or what they want unless I give them my personal information and their phone calls are relentless and due to the ever changing phone number, they are impossible to block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: WI

Complaint narrative:
Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be deleted XXXX XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX ( hard inquiry ) , XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Refiling a compliant for an unresolved issue : Hello - On XX/XX/XXXX, I sent a check via bill pay to a XXXX XXXX in the amount of {$1500.00}. The check was delivered on XX/XX/XXXX. Based on the proof of payment from the Bank, the check cleared on XX/XX/XXXX. The XXXX XXXX notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the XXXX typically endorses the check prior to depositing the check. I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to XXXX different representatives, including a sr. escalation representative, and a XXXX XXXX representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank. Thank you.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Good evening, Today I reviewed my checking banking account at Fifth Third Bank, XXXX XXXX XXXX XXXX, XXXX. And I found numerous fraud charges on my checking account. 


I spoke to the bank XXXX, and told him of my concerns regarding the fraud charges and he gave little to no advice on how to keep my account safe in the future from fraud charges. He also refused to give me information on what state oversight and federal oversight agencies that I could contact to gain assistance. 

I have been a victim of ongoing wire/bank fraud of my bank accounts XXXX XXXX XXXX XXXX , XXXX XXXX , Fifth ThirXXXX XXXX XXXX XXXX, XXXX accounts which I suspect is being done by my ex husband of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my long standing divorce that lasted XXXX year

s and ended on XXXX XXXX, 2024.

The XXXX Fraud charges are as follows. 
XXXX XXXX for the amount of {$17.00}. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am requesting a full investigation by as this is a serious matter and for charges to be pursued against the person who is fraudulently charging my checking account with fifth third bank. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo is my bank are first of all here are my XXXX claim numbers : XXXX & XXXX. 

It started on XX/XX/XXXX. I XXXX money to XXXX XXXX, {$650.00} to be exact. She noticed the money hit her account and immediately notified her bank, XXXX XXXX. XXXX proceeded to do a removal of incorrect credits claim for her. The money came out her account and was send back to XXXX. Ive notified my bank, WellsFargo about all this and still nothing has been done about it. 

My first claimed was closed and my 2nd claim is still on going. Every time I call them I am asked to give them 10 days for them to investigate, it is now XX/XX/XXXX. So I am sick and tired of being ask to wait another 10 days and of course I was asked to wait once more when I called them today. I already went after XXXX XXXX and her bank, XXXX. They already did everything they needed to do to released the funds back to XXXX. All that needs to be done, is for WellsFargo to request the funds back XXXX. I already complied and did everything in my power to help my bank recuperate my money asap, but every time I have called them they seem not to know whats going on even after I have provided claim numbers from XXXX so when they request money back from XXXX they can provide those to XXXX and tie all the pieces of this puzzle together and expedite my money to me. I have not been provided with a solution as of yet. I totally understand the XXXX rules and regulations when it comes to get funds back, but in this case money has already been returned and all I am waiting for is for my bank to collect my money and put it back in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-14 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XXXX I was sent a text message from XXXX ( XXXX ) XXXX that said, " Purchase of {$520.00} was attempted at XXXX, XXXX on your CitiAccount. If this was you, no action needed. If not, XXXX. '' I immediately called the number as I was traveling across the US and had been using my card at hotels and gas stations along the way and thought it was from that. 

The person answered ( XXXX ), and he sounded like a typical call center agent from XXXX. He said that my card had XXXX charges including a XXXX XXXX ticket for {$1000.00} ( not exact ), a game company XXXX? that had a {$500.00} ( also not exact ) plus XXXX other charges ( I can not exactly remember them ). He asked me if they were my charges. I said no. He then requested me to verify : 1. My address, 2. The last XXXX numbers of my credit card, and 3. The last 4 of my SSN. 

I provided all this information. He then said he would reverse the charges and put a security hold on my card. He then offered to close my card and send me a new one. For some reason, I apologized and said that I preferred to call back to get that done. 

When I called the credit card company, they shared that I had no " fraudulant '' charges on my account and none had been flagged NOR had they called me. They suggested I contact FTC.gov to report this transaction ( since my SSN had been partially shared ), and I did close my credit card with that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: LA

Complaint narrative:
I filed a dispute on XX/XX/2024XX/XX/year> on XX/XX/2024 for the amount of. I asked for the updates regarding the dispute.i was told the dispute was closed on XX/XX/scrub>XX/XX/2024 due to not enough information. An someone tried contacting me threw message or email an I never replied. I advise them no one tried to contact me due to me doing all communication with this company. So I I know no one tried reaching out. So whomever the representative were stated there reopen the claim XX/XX/2024. The time have passed no update were made. So on the 10th business day I were looking forward to my account being credited since no update were made. I contact them on XX/XX/2024 due to that being the 10th business day. To see why my account hasn't been credited or why I haven't received any dispute update. I then received a email stating under regulation E my claim wouldnt be supported. I then email them back stating my claims falls under regulation E guide line. After me emailing them the statement which includes the guide line. They responded were since the transaction were authorized I wasn't eligible for the dispute. I explained to them it was authorized I was charged a different amount then what the original total were. They then advise me they will reopen the dispute an start another claim which would be the 4 th claim. I told them I gave all this information when I opened the claim. I was told the information was missed placed. I then opened another claim on XX/XX/2024 for the amount of XXXX an I'm currently going through the same process

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I have yet to receive any type of notice of this debt. I learned of his debt on XXXX XXXX and its been on my account since XX/XX/year> and have yet to receive any letter. XXXX XXXX also does not list a physical address to send a certified letter or any contact information

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 2024-06-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation