vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Security Credit Services, LLC
State: TX

Complaint narrative:
In CFPB complaint # XXXX, submitted on XX/XX/year>, I specifically requested that you provide proof of your license to collect the alleged debt in the state of Texas. Additionally, I asked for documentation showing the correspondence sent to me at the time of the sale of this alleged debt, so I could verify whether I was properly notified of the transfer to a third party, as required by law. To date, you have failed to provide this information. Upon further investigation, I have discovered that your reporting of this collection account is in direct violation of FCRA and FDCPA regulations. You are inaccurately reporting the account as 120 days late, even though collection accounts can not be marked as late, and you are reporting payment history, which can not be reflected for collection accounts. Furthermore, the open dates, date last active, and other account details are inconsistent and contradictory. These are clear violations of federal regulations, and under the FCRA, I am entitled to accurate and complete reporting. I am also legally entitled to damages of up to {$1000.00} per violation. I am demanding the immediate removal of this account from my credit report within 14 days due to your misleading and inaccurate reporting, as well as your failure to provide the information I previously requested. As a consumer, I have the right to accurate reporting and transparency, and your failure to comply with these requirements is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/year>, my regular paycheck was deposited into my Wells Fargo account. Then, fraudulent transactions begin to take funds from my account. I did not receive one notification from Wells Fargo regarding these transactions which you can see were clearly not usual transactions made by me. Multiple attempts were being made taking funds from account back to back. Wells Fargo has sent me notifications for less. Wells Fargo has shut down my card on other occasions that were not fraudulent but when this happened, they did nothing and allowed this keep happening over several hours! My entire paycheck is gone days before XXXX! Wells Fargo had nothing to offer me but that I needed to wait XXXX business days for them to look into something! Wells Fargo said they have to let the transactions go thru first before they can do anything! They could have given me a credit or something! The bank just does not care! I have bills to pay! Its XXXX! Not to mention that you have to also wait days to receive a new card but that doesnt matter because theirs no money in my checking account! Wells Fargo needs to have a better system in place for customers and these fraudulent transactions because it isnt fair! I want someone to expedite this issue and put my money back! Asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
I am writing to formally dispute certain items on my consumer report as provided by Chex Systems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Reported Items 1. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/scrub>XXXX XXXX XXXX : XXXX / XXXX Original Charge Off Amount : {$8500.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX 2. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$1600.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Phone Number XXXX XXXX 3. Reported For : TRANSACTIONS INVOLVING POSSIBLY ALTERED ITEMS OR CHECKS Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : [ State unspecified ] Date of Closure : XX/XX/year> XXXX XXXX XXXX XXXX  / XXXX Original Charge Off Amount : {$14.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Grounds for Dispute 1. Violation of FCRA 603 ( d ) [ 15 USC 1681a ] : Chex Systems report contains private transactions and experiences ( e.g., overdrafts, account closures ) between myself and the financial institutions, which should not be included in a consumer report without explicit consumer consent. 
2. Lack of Authorization : I did not provide written authorization to the financial institutions or Chex Systems for the sharing or reporting of my banking information.

3. Inadequate Notification : Under FCRA 606 ( a ) [ 15 USC 1681d ], I did not receive prior notification or disclosure that an investigative consumer report regarding my banking history was created.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year> I was approved for a line of credit to purchase furniture through synchrony bank. The agreement was that all payments would be deferred for 12 months and no interest would occur if balance was paid in full by the end of the 12 month period. After making a couple payments, my account was charged off as bad debt, and this has been reported on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX my card was charged XXXX by and XXXX XXXX in XXXX Ma. That is all the information I was given by TD Bank.There was another charge on my card for XXXX the bank didn't identify the merchant, on XX/XX/XXXX there was a purchase at a company called XXXX for XXXX. Also on XX/XX/XXXX there was a charge at XXXX for XXXX and XXXX cents. My original complaint included a XXXX charge for XXXX, I told the to remove that from the complaint because I confirmed I made that charge. I have filed several complaints with the bank, I've filed a police report. I have gone into the bank and met with the manager to discuss this issue, a meeting the bank requested. Everything I have done to prove I didn't make these charges the bank still refuse to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly examine the fraudulent and suspicious items 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 2024-12-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did not authorize these companies to run hard inquiries on my behalf. 

Wells Fargo XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I logged into my mobile banking to process a Zelle transaction to a pay an indvidual the amount of XXXX. I received a message that the individual needs to accept the payment via a email or text message. 5 minutes after sending the funds i received a message that asked me to acccept the zell transaction. I did so. I logged back into my account to confirm and realized I was charged twice in the amount of XXXX. I called XXXXXXXX XXXX who said both transactions wer sent. But that XXXX transaction would take a day for the receipt t to receive. I told XXXX XXXX to cancel that transaction sine the individual has mot received it yet. XXXX XXXX said they could not cancel because it was with a third party ( Zelle ) and that i should call Zelle to have it cancelled. 
I called Zelle at XXXX, explained to the rep what had occurred. The representative said Zelle could not assist my at all. He said Zelle can not see transactions or help with issues and that i had to call my back for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I attempted to set up bi-weekly payments though my bank XXXX to be sent to our Citizens mortgage account in the amount of {$1600.00}. The first payment was rejected and held in a suspense account at the beginning of XX/XX/XXXX. I called a to ask why it wasn't applied and it was because I had to set it up through Citizens, and I needed to be ahead in my payment schedule. Citizens could not figure out what to do with the funds and sent me a refund check within two weeks. I followed Citizens instructions and successfully set up biweekly payments. I forgot to cancel the payments on the XXXX side and the day before XXXX XX/XX/XXXX a second {$1600.00} payment was sent. I called the very same day and was assured that another check would be sent, that the money would be returned. Ive been calling since then because I have not received a check. I spoke to an agent on XX/XX/XXXX to have a new check re-issued and expedited. I was asked to make promises to not cash the first ck if it is received before the second one arrives. I call a week later to find out that rather than my money being returned it was applied to principle. This is a huge mistake. I filed a complaint with Citizens, case # XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I logged into my mobile banking to process a XXXX transaction to a pay an indvidual the amount of XXXX. I received a message that the individual needs to accept the payment via a email or text message. 5 minutes after sending the funds i received a message that asked me to acccept the XXXX transaction. I did so. I logged back into my account to confirm and realized I was charged twice in the amount of XXXX. I called chase bank who said both transactions wer sent. But that 1 transaction would take a day for the receipt t to receive. I told chase bank to cancel that transaction sine the individual has mot received it yet. Chance bank said they could not cancel because it was with a third party ( XXXX XXXX and that i should call XXXX to have it cancelled. 
I called XXXX at XXXX, explained to the rep what had occurred. The representative said XXXX could not assist my at all. He said XXXX can not see transactions or help with issues and that i had to call my back for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
XXXX, TransUnion and XXXX are violating my consumer rights! XXXX5 U.S.C 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
XXXX, XXXX and Equifax are violating my consumer rights! 15 U.S.C 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2024, I discovered that American Express ( AMEX ) had reduced the credit limits on two of my credit cards without prior notice, based on an erroneous report from XXXX claiming I was delinquent on an account. XXXX has since confirmed the report was a mistake, but AMEX has not reinstated my original credit limits. Additionally, on XX/XX/2024, I began experiencing frequent declines on transactions with another AMEX credit card, despite the account being in good standing and having sufficient available credit. These issues have caused significant inconvenience, disrupted my financial flexibility, and potentially harmed my credit score due to increased credit utilization and declined transactions. I contacted XXXX to correct the report and reached out to AMEX customer service and their Corporate Secretarys Office, but no resolution has been provided. I request AMEX to reinstate my original credit limits, resolve the transaction declines, and address any potential negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I have several credit accounts with Affirm. I sent in my payment for XXXX on XXXX. I sent payments to several of my accounts. They credited my payment for the account that is the problem to one of my other accounts. I contacted them to have them fix this and they told me they couldn't do anything about it and that it was my fault they credited it to the wrong account. Later in XXXX i attempted to make the payment to bring it current and the payment was returned to my bank stating the account was closed. I tried again in XXXX to pay for both XXXX and XXXX payment and once again they were returned stating the account is closed. how am i suppose to pay if they wont accept payment. My XXXX payment went through and the first payment to it in XXXX went through. They have reported this to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
I've been a victim of a data breach and my identity was stolen. I've submitted several request to remove and provided with FTC.GOV report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
I've been a victim of a data breach and my identity was stolen. I've submitted several request to remove and provided with FTC.GOV 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