vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, and Equifax for their continued violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These credit reporting agencies have consistently reported inaccurate information on my credit profile, including erroneous late payments, incorrect account statuses, and inaccurate balances. Despite my numerous attempts to rectify these issues, the inaccuracies persist, and my requests for correction and updates have been ignored. 
The violations are as follows : 1. Inaccurate Reporting : My credit reports contain numerous errors, including but not limited to : * Incorrect late payment reports.

* Inconsistent account statuses.

* Discrepancies in account balances.

* Failure to update my address despite multiple requests.

* Multiple variations of my name, whereas I have specified the correct spelling.

2. Violation of Consumer Rights : As stipulated under 15 USC 1681, there is an imperative need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. My right to have accurate and consistent information reported by all three credit bureaus has been blatantly disregarded. 
3. Lack of Response and Rectification : Despite my formal complaints and requests for corrections, the credit reporting agencies have failed to update my profile accordingly. I have explicitly requested that all communications regarding the updates be provided to me in writing, yet I have received no such communication. 
I am deeply concerned about the impact of these inaccuracies on my financial health and the potential repercussions on my ability to access credit. It is both unfair and unlawful for these credit reporting agencies to neglect their duties, causing undue harm to consumers like myself. 
I am urgently requesting the CFPB 's immediate intervention to : 1. Investigate XXXX, XXXX, and Equifax for their non-compliance with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly. 
3. Mandate that the credit reporting agencies provide written confirmation of these corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I am counting on the CFPB to uphold its mandate to protect consumers and ensure that these agencies adhere to the laws designed to safeguard our rights and financial well-being. Your prompt attention and action in this matter are crucial and highly appreciated. 
Thank you for your immediate assistance.

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

Complaint narrative:
I received a letter from the company that they updated my report to reflect accurate but Transunion hasn't updated my 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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need these issues resolved first issue I can't connect my debit card to my XXXX XXXX when I try I get this error message saying to contact card issuer when I did they can't fix it or XXXX support can't fix it and when I try to link my bank account to XXXX using link it by Wells Fargo login don't work it say this We're sorry. We're not able to process your request right now. Not linked WELLS FARGO Checking XXXX This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. And also I can't add overdraft to my checking account I wanted added please added it to my account when I try to it say this There are no eligible options available to protect this account. 
Overdraft Protection Not Available and when I was at branch location XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX and XXXX and fax is XXXX and 24 hour cust svc XXXX XXXX XXXX supervisor name was open my checking account is XXXX XXXX and her email is XXXX but I need a saving account opened she never open a saving account for me and I need also overdraft protection added to the saving for me too I need this my every day checking account to be changed to Premier Checking account with the same account number and router number and saving account by type saving account is XXXX if y'all can't change my checking account type or swipe it to a new account type for the checking with the checking with the same checking account number and router number or Merge it under a new checking account type with the same account number and router number or give me the latest checking account type y'all have with the same account number and router number for the checking account she never tell me the promo y'all have or bonus y'all have I want this to be apply to my old checking account or new checking account Everyday Checking with {$300.00} bonus offer Offer expires XX/XX/year> and wave the {$25.00} open deposit for my new checking account and saving account that was never open in the branch for me by my request when I ask for one and also send my son a debit card to because she told us he cant get one only I can get one because I am his payee for SSI and his name is XXXX XXXX etc please contact me at XXXX and contact me at 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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX a thief ( most likely inside employee ) opened checking account XXXX XXXX XXXX at Truist Bank XXXXwent online IRS .gov requested that my XXXX {$1400.00} stimulus check be deposited into their account! When error was recognized, I contacted IRS who instructed me to wait to file XXXX IRS tax before any trace could be started. Followed all their instructions as they determined I had identity theft completed required IRS forms but still no action- contacted XXXX XXXX XXXX XXXX XXXX where advocate supposedly has been working on my behalf so therefore IRS refuses to discuss this matter with me. 
Waited and waited but no new updates according to advocate. I contacted Truist Bank Financial Crimes Analyst XXXX XXXX who sent me email on XX/XX/XXXX stating I can confirm that the account the funds of {$1400.00} is not reporting to you nor did you have access to it. That account does present fraudulent red flags. I hope this helps and the IRS can use this to send you your funds. During conversation she indicated that IRS needed to contact Truist Bank and request funds be returned to IRS so IRS could reissue money to me. 
So now I relay message to advocate who again contacts IRS- now I wait and wait and wait and with each inquiry advocate says IRS working on it!! XX/XX/XXXX I called Truist Bank again but now have new representative in fraud department- XXXX XXXX XXXX XXXX stated Truist Bank is aware that my XXXX stimulus check was deposited in bogus account which was quickly closed out after deposit and owners name is confidential due to privacy laws. I asked her if IRS would send request to Truist Bank to refund {$1400.00} back to IRS would they comply? XXXX stated it is IRS fault that they sent to wrong account number and it is clearly their problem! She advised me to call IRS and request they open dispute- and I explained that disputing is exactly what we have been doing for past 2 years. I need someone to encourage Truist Bank to be honest and either refund money directly to me or refund back to IRS so can be reissued to me. And hopefully you can refer me to someone who can investigate these fraudulent accounts since Truist Bank is not willing to acknowledge or accept accountability for these transactions in their bank??? Respectfully 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been banking with Chase Bank for the past XXXX months and really enjoyed the experience and all they have to offer. Two days ago they made the decision to close my bank accounts and freeze my funds. 

On XX/XX/year> I received a requested for a wire reversal to a client who had recently made multiple purchases from my company. I responded to the bank with a detailed letter explaining why I would deny the reversal of funds. Essentially stating the client paid for items and received all items in full. The bank said they would investigate the matter and get back to me. 

In my letter I detailed how the client had made a few purchases of products and paid through wire transfer. After the funds were received by my company the client came into our business and received the items he ordered in full. When I received the request for wire reversal I called my client to see why the request was placed. He told me that his bank issued the request not him. As well as explaining to me that after he purchased the items from my business he then handed the products over the another individual for safekeeping. It turns out the other individual had no intention of storing the items for him and stole the items to keep for himself. He was scammed by an individual not associated with my company. Obviously we can not be held liable for a client poor decision making after our business has been completed. 

On XX/XX/year> I received a text message saying I needed to provide account information to keep my accounts active. When I called I was notified that my accounts were being closed and there was nothing to be done about it. When I asked about access to my funds I was told there is no timeline for them to send me a certified check in the mail. I have received XXXX communication from the bank in this matter since I called to find out they have decided to close the accounts. 

This experience has been financially and emotionally draining. We can not operate without our funds. We have continued to lose business each day we do not have access to them. We need this issue escalated and resolved immediately. We have done nothing wrong in this entire situation and we are being punished for it. Not only losing access to our bank accounts, but now losing business everyday our funds are frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: TX

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

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: Global Lending Services LLC
State: MD

Complaint narrative:
I was looking over my consumer report and found hard inquires that i do not recognize. According to the 15 USC 1681 law the companies are violating my consumer right to privacy and the companies has no permission to report anything using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My account is restricted and there is no way to get my money out of the account. There is nobody to speak with to fix the problem. The only people who I can reach is a call center based in XXXX and they don't have the power to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
On several occasions, including most recently on Tuesday, XX/XX/year>, I have informed Fair Collections & Outsourcing with offices at XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX that they are attempting to collect debt from a landlord tenant matter that is owed by XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX I have provided them with a copy of my drivers license showing my legal name and address with a letter explaining that theyre confusing me with a deceased relative with whom i share a similar but NOT identical name. Fair collections & outsourcing continues to verify this debt as valid without any basis to prove it or significant investigation. Ive proven to them its a matter of a similar name but they continue to violate my federal rights regarding consumer protection by reporting this inaccurate information on my consumer credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
As of XXXX XX/XX/year>, a wrongful forbearance status was put on my account without my knowledge and loan interests were accruing due to no communication about borrower defense status which have been granted in XX/XX/year>. 
Spoke to a representative at AidVantage student loan servicer to recalculate total loan amount I owed without incorrect and wrongful interest amounts of {$670.00} or more. They declined to do so, simply saying that forbearance on my account should have in taken off and should have requested repayment from me, but would not correct the interest amount put on my loan balance.

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

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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

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

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company 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