vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was put into XXXX for accounts that I didn't open nor did i give authorization to open. Date of closure : XX/XX/2023 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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 at XXXX XXXX, I tried to get {$400.00} from my checking account via drive thru ATM outside of citi bank located on XXXX XXXX XXXX XXXX CA XXXX. I requested the transaction and the ATM did not dispense the money. I called the bank the same day while I was still at the location. I did not move I was inside my vehicle while I spoke to the customer service representative. I spoke to citi customer service for about XXXX minutes and explain the case to them. During this time the ATM did not dispensed the money. I was clear in telling them that I was right in front of the ATM and the {$400.00} were not given to me by ATM. I was told to move to continue the call I did so. I was not give Any reassuring answer nor a dispute number. I tried calling again the same day and I was told there was nothing for me to do but wait. I explained the situation again and I was given a claim number the second time I called. I was told I may get a credit after XXXX to 15 days. 

I received a call from the branch manager from Citi bank and I was told by her that the case was closed and she checked online and it said that they were not going to do anything about it. I was told by the branch manager to call again and re open the case to emphasize to the customer service that the software from those machine had just been updated. I was given case number XXXX. I was told to wait again. So far I had not received an answer from the bank. I have been calling and the only people answering my questions are the people from the branch. The team on the phone customer service had not provided any information. Up to date I have not received the money back and the bank on the phone lines is unresponsive

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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My issue is mainly with Zelle, to some extent XXXX is a related party but they tried everything in their power to help, and are unable to due to the account being closed with them. 

I had a XXXX online banking account. I also originally had a stand alone Zelle account. I had transferred this Zelle account to work with XXXX, but I had unfortunately done this after XX/XX/year>, which during the time XXXX with Zelle had increased fraudulent activity, causing all XXXX  accounts made/Zelle accounts linked after XX/XX/year> to have those linked Zelle accounts restricted. The issue never really resolved itself in my case. Many back and forth calls at the time of the issue, and recent back and forth calls, and neither Zelle nor XXXX are able to help. In the case of XXXX, they did everything in their power to help, but were unable to due to the account with them being closed. Zelle on the other hand constantly tells me to contact XXXX, even after explaining that there is nothing XXXX can do. At this point I really just want my information removed from Zelle all together but they refuse to even do that because of the restriction reported by XXXX, with which I don't have an account and therefore have no way to get resolved on their end. This is an issue that has affected many, and I'm not sure if it was ever resolved for anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AL

Complaint narrative:
Transunion is currently reporting an account that doesnt belong to me, its not mine. i have sent documents, and for some reason they continue to validate the debt as mine. 

XXXX XXXX XXXX XXXX XXXX account has been deleted by XXXX and XXXX however for some reason transunion is still reporting please remove account from 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 non-monetary relief
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I disputed a credit card charge over XXXX months ago! They told me that no payment was necessary while this charge was in dispute. They never provided the results of the dispute, but incorrectly reported late payments to credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2024-05-06 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: PA

Complaint narrative:
I beg you please remove this from the 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 2024-05-06 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: CT

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late, for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX. Account : XXXX. Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OK

Complaint narrative:
XX/XX/XXXX I sent a written debt verification/validation letter to the company about this alleged debt. It's been a XXXX  and they still haven't sent the information I asked for that, leaving the debt invalid. I had no contractual obligations to pay these liars/thiefs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX XXXX with an open date of XX/XX/year>. Account # is not listed on ANY of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MN

Complaint narrative:
I contacted US bank and received acknowledgment of claim file on XX/XX/2023 requesting documentation. On XX/XX/2023 I emailed and faxed the requested documentation. I also included that in this complaint. I did not receive a response at all for the last several months. When i call customer service they transfer me to different department and non of them is able to help service this claim. There are XXXX fraud bank accounts ending in XXXX XXXX XXXX There is XXXX fraud credit card XXXX. The claim number for the credit card ID THEFT is 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 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the XXXX  industry upon the completion of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. To cover the expensive cost of XXXX, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The Wells Fargo bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last XXXX  years and still owe large portion of the principal. The XXXX XXXX was not recognized in all my attempts to obtain employment. The XXXX  misconduct caused me a life long sense of failure. It has been discovered the XXXX  had operated with bad faith and many complains had shown it.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I called Ally Bank to inquire about a withdrawal increase. I recently moved, and I need an RV for temporary housing, so I needed to access {$8000.00}. The agent told me that it was no problem and that he'd need to ask me some questions and send me a text code for verification. Everything was fine until the text code verification ; the line went silent at that moment. After XXXX mins of waiting and saying 'hello, ' I hung up and called back. After calling back and going through the process over again, I was told I failed the ID verification, and I now had to wait XXXX business days to be called back by a specialist. I called once again only to go through the whole verification process, including text code verification, and the woman told me I could not access my account. She also told me that I couldn't access my debit card, online account, or anything else until someone gave me a call in XXXX days. Even after I explained the situation, I've heard nothing from Ally, and now my accounts totaling XXXX are in limbo, and I might lose out on a place to live.

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 2024-05-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I signed up with a company to help me consolidate my debt and they went into bankruptcy and they didnt do anything for me and they got {$1400.00} of my money so I didnt pay any bills miss my credit up and I got behind on everything and now my credit score is low could be and Im out my {$1400.00}

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