vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
I have federal loans out for my son that were put into auto deferment during Covid, in the meantime the loan changed its owner to nelnet that we could not identify and then did not update our mailing address when we moved in 2021. We are behind because the loan company did not inform us that it restarted XXXX that the loan was bought by someone else. It also did not have our new mailing address. I need this delinquency removed from 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 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Instructions given to the indenture trustee regarding account XXXX for PORSCHE FINANCIAL SERVICES have not been executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: WI

Complaint narrative:
Constantly 3-4 month dispute 's same accounts Credit score 's reporting scores. Average is same never change. After. 1 year inaccurate Make it hard to get approved on credit applications Hired 2 credit reports companys XXXX XXXX XXXX XXXX XXXX XXXX Request certain items be removed updated changes never changed Instead removein ..continues disputes. 
Also l sent in certified Letter with driver license SN recent address information never updated. Or the customer. Rep states never recieved and sent certificate mailing

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 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back in XX/XX/XXXX I paid off the entire balance I had on my Amazon card synchrony Bank, in XXXX I was charged a late fee, I called synchrony bank and they told me I put a stop payment on my automatic payment that runs thru XXXX XXXX checking, I explained to the operator and she asked me to call XXXX XXXX and correct the issue, I did call XXXX  and spent several hours with them and they didnt find any issues blocking automatic payment to synchrony bank, today I ran into the same issue synchrony is trying to collect late fees for the account, reported to my XXXX XXXXXXXX credit report and deducted from XXXX to XXXX, they are looking to collect late fees and said can not remove them from the account, today XX/XX/XXXX spoke with XXXX XXXX No operator number, extension number, or last name, refused to correct the account and said I put stop payment to my automated payments theres nothing she can do. I never put stop payment on my account! To prove it while I was on the phone with her I sent {$150.00} and she confirmed the payment was made, so I just want to straighten this up and recover my credit score remove any late fees and delete bad record in my credit report ( s ) clearly some glitch in their system is rejecting my auto pay, and they blame it on my and my bank while my credit score is being affected by their reporting and today i found out they are closing my credit account, i didnt do anything wrong, just pay loyalty and this bank is punishing me and my credit score for their failure to fix the issue.

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 2024-04-02 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2024-04-02 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The account was originally opened with BB & T years ago. I removed funds from the account in 2022 and left approximately {$400.00} in the account. I did not realize this was below the free checking account minimum fund requirements. 

Unbeknownst to me, as I was not monitoring the account I was not actively using, a monthly fee of {$13.00} was assessed on the account until the balance was drawn to {$0.00}. Truist then began assessing the service fee of {$13.00} on the credit card associated with my account. When the credit card was not paid, I was then assessed late fees. 

Truist contacted me to let me know they were going to send my credit card non-payment to collections. I at first thought there was fraud on the account, as the credit card has never been used. It was then that Truist looked into the transactions and explained why there was a {$150.00} balance on the credit card - all due to fees associated with Truist drawing my checking account balance down to {$0.00}. 

I visited a Truist branch multiple times and eventually closed all of my accounts. Since then, Truist has continued to add service fees to my credit card. I requested that Truist refund my {$400.00} to the checking account and remove the {$150.00} in fees on the credit card. I do not understand why Truist feels they were " servicing '' my checking account that was {$0.00}, with XXXX activity, and thus charging fees to a linked credit card. 

These junk fees seem predatory, excessive, unfair, and deceptive.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I had {$100.00} in $ XXXX that I tried to deposit at a Wells Fargo ATM on XXXX XXXX in XXXX yesterday, XX/XX/XXXX. I accessed my account, selected deposit cash and entered XXXX {$20.00} bills ( I've deposited cash in the past here ). But this time, the ATM screen went yellow, and after many seconds, it started spitting my {$20.00} bills back out. At first, I got XXXX of them back, then after about XXXX seconds I got a XXXX bill back. BUT, I never got my fifth {$20.00} bill. The screen was yellow with an orange exclamation mark, then it just started over for a new customer transaction. I deposited {$100.00}, I got back {$80.00}, with no receipt and no way to prove I had lost the {$20.00} ( other than I guess a camera? ). 

So, I went into the bank next to where the ATM is located and told them the situation. The XXXX was too busy to assist, so the teller simply asked me if I'd like to deposit the remaining {$80.00} balance with her ( which I did ), and the she took a few details on a yellow sticky note about the {$20.00} their ATM had eaten. No one ever apologized for or acknowledged the situation... I was just simply out the {$20.00} and they " would get back to me as soon as they could, or I should just call the XXXX number on the back of my debit card... maybe that would be faster. '' So, I called the XXXX number, went through a couple different people trying to get a claim submitted, which was a terrible experience as it usually is ( I was told the first agent 's effort apparently didn't work, so my second claim is what's in the system ). 

My issue is, I needed the full {$100.00} cash deposit yesterday to pay a bill that's due... but I wasn't going to get my {$20.00} ( maybe? ) until XXXX working days from now. Wells Fargo decided they should keep it until is was resolved... the multi-billion dollar company, as they always do, put money over people and fair customer service. 

I still don't have my {$20.00} back, I've never been called by the Wells Fargo XXXX to discuss it, and I had to borrow {$20.00} from my brother to pay my bill. This kind of customer treatment is unacceptable to me. I've been a Wells Fargo customer for decades, but you'd never know it. 

I just hope you, or someone, can help me get my {$20.00} back ... I get it, it's just {$20.00}, but what if this happens to people who seriously can't afford to lose money ( even {$20.00} bucks ) at a malfunctioning ATM? The bank should have apologized and immediately credited me the {$20.00} while it was under investigation, not the other way around.

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 2024-04-02 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: MI

Complaint narrative:
Transunion keeps reporting an inaccurate XXXX XXXX bankruptcy { XXXX } on my credit report. They sent me a letter stating this record was verified.I reached out to the bankruptcy court they listed on my credit report and they have no record of this belonging to me. I want transunion to provide me with proof on their investigations within 15 days of how this was verified. This verification should include details connecting me to this bankruptcy. If they can provide this Im requesting this record to be deleted from my credit profile. 

XXXX is also reporting an account named " XXXX '' with a high balance of {$2400.00} as a charged-off status. This account is inaccurate and needs to be deleted. Im requesting that transunion provide me with proof of their investigation. How this account was verified as accurate within 15 days.

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 2024-04-02 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: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 1st Franklin financial balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. XXXX XXXX XXXX have no ideal about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: FL

Complaint narrative:
I called in 2022 regarding borrower case XXXX and they advised it would take months. I received an email saying I was part of this case and did not have to pay the balance but yet I'm still being charged interest and still have a balance.

Company response to consumer: Closed with explanation