vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: MD

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter. 



Thank you for your attention and assistance in resolving this matter. 

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I dont know why but when I got an overdraft fee there was 3 payments, and its happened multiple times before and Ive heard of it happening to other people I know. I just feel theres no reason to do 3 overdraft fees on the same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with TransUnion and requesting a reinvestigation, the problem remains unresolved to this day. 

XXXX ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized XXXX XXXX : XXXX Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
It should have been easy! Bank of America emailed me about a fishy-looking check for {$14000.00} over XXXX. I called them when I logged in the morning after XXXX and told them I did not write the check and the check # was one of a series I had stopped, the stop fee waiver appearing on my statement. I had never heard of the payee. 
____ Despite constant, increasingly frantic attempts by secure email, by fax, and by phone, it is just about a month now, and I have been unable to get the funds restored, or even get confirmation that they are working on the matter! Each time I call I get a different person who doesnt know what the others have told me, or about what was sent or faxed in. None of my emails or faxes were answered. Im at my wits end. Ive been a customer of the bank for 36 years. I shouldnt have to wait a month to get my funds restored on a check that is both fraudulent and stopped. The bank pays almost 0 % interest ; the only thing they are supposed to do is keep my money safe!. XXXX XXXX XXXX suggested that I contact you. I have enclosed the letters, and secure email and fax confirmation receipts, and willing to provide any other information that you might require. Please help me. 

____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 monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Automated Collection Services, Inc.
State: LA

Complaint narrative:
IN RE : XXXXXXXX XXXX XXXX, Original Creditor AND Automated Collection Services , Inc., 3rd Party Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Most recently, in XXXX, XXXX, I received correspondence from a XXXX party debt collector, Automated Collection Services , Inc. ( ACSI ), wherein the original creditor, XXXXXXXX XXXX XXXX, shared my personal and private information without my knowledge and/or written consent - violating FCRA law ( s ) and consumer law ( s ) and sold this alleged debt that I have no knowledge of, along with inaccurate information. ASCI is demanding payment in the full amount of {$2700.00} ; and also, XXXXXXXX XXXX XXXX closed  and charged off this alleged account and reported same to the three ( 3 ) credit bureaus, additional 3rd party affiliates. Moreover, this inaccurate and alleged debt is sitting parked on my consumer report affecting my credit score and ability to get approval for loans, credit, cards, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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 u.s.c. 1681.. 
Account Name .... Dept of Education.. Account # XXXX ... Account Name .... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX XXXX XXXX  ... Account # XXXX .... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any 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 1681 S-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 non-monetary relief
Consumer complaint received 2023-12-21 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: SC

Complaint narrative:
I called Equifax to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/23 I received a response from National Credit Adjusters from my inquiry I reported on XX/XX/23. 

Upon reviewing the response from National Credit Adjusters this company is currently attempting to collect the wrong amount {$2100.00}. 

This is direct violation of 15 U.S. code 1692e.

According to FDCPA Im entitled to {$1000.00} per violation and clearly they my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I transferred money into my old checking account with Current on accident. I was told the account was previously closed, but they reopened my account to accept my deposit. It is illegal to reopen a closed account to accept money without my consent After lying about the status of my account for weeks, I was finally told that the account was on hold. I requested that the account be closed and the money be sent back to me. The company closed the account and kept my {$400.00} balance. Ive called several times, but they hang up when they see my phone number. Ive emailed them over XXXX times and have yet to receive a response about where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have filed a dispute with CHIME banking regarding the following info : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$6300.00} and Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1000.00} Chime has refused to offer me a temp credit as well as any investigation into the matter. 
I have provided them with the following info : *police report *personal statement *witness statement *Apple acknowledgment letter of the account being compromised *letter of acknowledgment from ( XXXX ) merchant that the fraud occurred *letter from Chime that the merchant tried to refund me but the name didn't match the name on the refund so they returned the refund because it was fraud. 
* Email communication *letter to the executive office This has happened on both my Debit Card and Credit Card builder ( secure credit card ) so Chime spit the claims but they continue to deny both of my disputes for no reason provided even after the XXXX waiting period. I have even spoken to management and supervisors each time adding more and more layers of information. 
the back office will deny my claim without even looking at the info provided well I'm still on hold with the dispute department on the phone. I have filed over XXXX rebuddles and it continues to not be addressed. no one in the company is willing to help or come up with a person who can help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used online billpay service with Bank of America. 

Using the online system, I authorized a check to be mailed to a contractor for {$480.00}. The check was wrongly/illegally cashed at a Bank of America institution by someone else. On XX/XX/2023 I notified Bank of America about this mistake they made. I have messaged Bank of America multiple times and gone into a XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA ) multiple times. I am yet to have the {$480.00} returned to me.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not consent or signed no contract with XXXX XXXX XXXX agreeing to pay any debt owed to them 15 usc 1681section 604 a section 2 states a consumer reporting agency can not furnish an account without my writing instructions or consent also under 15 usc 1681 states I have a right to privacy and I did not consent for my information to be sold to XXXX 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I sent a request to the companies asking to provide my written authorization to report my personal and private information and to withdraw all authorizations per 15 USC 6802. i have uploaded the document that sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/ XXXX  I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/ I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX And TransUnion is reporting a XXXX account that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a XXXX interest " Chase Plan '' initiated on XX/XX/23 for {$1600.00} due over 18 months in equal payments ( {$89.00} ) with 0 % interest. 

On XX/XX/23 Amazon charged my Chase credit card ending in XXXX for {$1500.00} without my permission ( they had access to my credit card as the number was saved in my Amazon account ). I brought this to Amazon 's attention and they refunded {$1500.00} on XX/XX/23. 

Between XX/XX/23 and XX/XX/23 Chase voided my XXXX interest " Chase Plan '' and as of XX/XX/23 charged me {$23.00} in interest and then charged me {$23.00} in interest on XX/XX/23, when I should have been charged 0 % interest. The balance was {$1300.00} on XX/XX/23 which is the amount they are charging me interest on in violation of our agreement. 

On XX/XX/23 I brought this error to Chase 's attention through their " secure message '' feature and they responded that they will not fix this mistake and instead will continue to charge me 21.24 % interest, which is a violation of our original 0 % interest " Chase Plan '' agreement. I would have used a different credit card to make this purchase if I knew they would violate the 0 % interest agreement after only 4 months. In all I will be paying {$230.00} in interest if I continue to pay the agreed upon {$89.00} per month, when I should be paying {$0.00} in interest.

I also filed a fraud charge against Amazon for illegally charging my card without permission through Chase and talked to a customer service representative for Chase on XX/XX/23 and was told they will not fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX and an open date of XXXXXXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXXXXXX XXXX XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation