vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Bank for Violations of the FDCPA and FCRA Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Bank regarding their handling of a debt that I allegedly owe. My account number with XXXX XXXX is XXXX. The amount in question is {$XXXX}, which they claim has been sold to XXXX XXXX, yet they continue to report it as a late payment on my credit report. 

Issues Encountered : Debt Verification and Ownership : XXXX XXXX has purportedly sold my debt to XXXX Funding. However, I have requested verification of this sale, including the transfer documents, and have not received any response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification. 

XXXX Request : Since XXXX  XXXX no longer owns this debt, they are required to issue a XXXX Cancellation of Debt form if they have charged off this account. As of now, I have not received this form, which I am entitled to under the Internal Revenue Code, 26 U.S.C. 6050P. 

Inaccurate Reporting : Despite the alleged sale of the debt, XXXX XXXX continues to report this account as delinquent on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that it is unlawful for a furnisher to report information that it knows or should know is inaccurate. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating these violations, as XXXX XXXX Bank 's actions have negatively impacted my XXXX XXXX and caused significant distress. Specifically, I seek the following outcomes : An investigation into XXXX XXXX 's practices regarding the reporting of this alleged debt and their failure to verify its sale. 
Enforcement action to ensure that XXXX XXXX complies with the FDCPA and FCRA. 
Removal of any negative entries related to this account from my credit report until the verification is provided. 
I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information, please do not hesitate to contact 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 non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Bank for Violations of the FDCPA and FCRA Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Bank regarding their handling of a debt that I allegedly owe. My account number with XXXX XXXX is XXXX. The amount in question is {$XXXX}, which they claim has been sold to XXXX XXXX, yet they continue to report it as a late payment on my credit report. 

Issues Encountered : Debt Verification and Ownership : XXXX XXXX  has purportedly sold my debt to XXXX Funding. However, I have requested verification of this sale, including the transfer documents, and have not received any response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification. 

XXXX Request : Since XXXX  XXXX no longer owns this debt, they are required to issue a XXXX Cancellation of Debt form if they have charged off this account. As of now, I have not received this form, which I am entitled to under the Internal Revenue Code, 26 U.S.C. 6050P. 

Inaccurate Reporting : Despite the alleged sale of the debt, XXXX XXXX continues to report this account as delinquent on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that it is unlawful for a furnisher to report information that it knows or should know is inaccurate. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating these violations, as XXXX XXXX Bank 's actions have negatively impacted my XXXX XXXX and caused significant distress. Specifically, I seek the following outcomes : An investigation into XXXX XXXX 's practices regarding the reporting of this alleged debt and their failure to verify its sale. 
Enforcement action to ensure that XXXX XXXX complies with the FDCPA and FCRA. 
Removal of any negative entries related to this account from my credit report until the verification is provided. 
I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information, please do not hesitate to contact 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
U.S. Bank is currently refusing me access to their online portal, as well as numerous refunds. Many of the refunds are for " disputes '' they initiated without my knowledge or permission, that they reversed. In reality, they were collecting refunds from retailers, renaming them to provisional credits, and then allowing the retailers to charge my card again. The retailers were only convinced to re-issue the refunds after intervention by the State AG. I am also missing the statement dated XX/XX/year> that they refuse to provide. They also have refused to provide me a list of the manual transactions they processed with raising any red flags or submitting a 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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On this date XX/XX/year>, Trust Bank committed check fraud to pay themselves, pushing my account into negative to pay their own cash advance. After reporting negative Information to my credit report. There were no calls or warnings in their actions Amt : - {$200.00} Date : XXXX XX/XX/year> 2024

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 2024-10-02 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: SC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-02 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: TX

Complaint narrative:
Score changed by Experian. No reason for change. Experian will not ackowledge reason for change and is very difficult to reach a customer service agent. Others have experienced same issues with Experian.

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 2024-10-02 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: FL

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 USC 1681. 
Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX, Account XXXX/DOFED : # XXXX, XXXXDOFED, # XXXX AccounXXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXX, Account XXXX : # XXXX, XXXX : # XXXX has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-02 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: FL

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 USC 1681. 
Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXXXXXX : # XXXX, Account XXXX/DOFED : # XXXX, XXXXDOFED, # XXXX Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX XXXX : # XXXX, Account XXXX : # XXXX, XXXX : # XXXX has violated my rights XXXX 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: CO

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 USC 1681. 


Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-10-02 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: CO

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 USC 1681. 


Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a charge card with Synchrony Bank ( Sam 's Club ) that was delinquent and charged-off. They received a judgement that was recorded against my property/home. The home has been sold and closed with funds witheld to payoff Synchrony. I have filed XXXX XXXX XXXX, with the sale of my house paying off all of my creditors. The funds from closing to payoff Synchrony Bank are being held until the title company receives a payoff letter of some sort from Synchrony. Synchrony Bank is refusing to issue the payoff letter, claiming that they can not due so.

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 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, My wires keep being rejected and the phone service is not helpful. We are trying to pay for a medical treatment from a trusted vendor we know.

Dates and Info : Ref # : XXXX XX/XX/year> and XXXX and XX/XX/year> and XXXX and XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX  Account number - XXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXX XXXX Account number - XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account XXXX XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year> 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 1681s-2 ( A ) ( 1 ) A person shall 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When I realized my bank account had been hacked after my cell phone was stolen I reported the 1st fraudulent charge of {$1000.00} to Wells Fargo on XXXX. I was told my account had been secured but the very next day it showed an additional {$1000.00} coming out of my account from the person I just reported fraud on so I had to call back on XXXX because my account was never secured when I reported the fraud on XXXX The 2nd {$1000.00} should never have come out of my account & since it did not fully post until the XXXX it could have been stopped When they realized they had neglected to secure my account on XXXX. I've been hung up on 7 times in the last 4 months I've been trying to get Wells Fargo to return the money. In the 25 years I've banked at Wells Fargo I have never XXXX  more than {$600.00} at a time & I only make a little over {$2000.00} a month so I don't understand why this transaction was not flagged as fraud when it's 4 times the amount I've ever XXXX & I've never XXXX anything to this person in the past. 
Other than a few {$20.00} to {$40.00} garage sale purchases I pretty much only XXXX money to the same 2 or 3 people. Being a victim of theft is stressful enough but not being able to trust my bank to do what they say they'll do has doubled the stress. Plus having to drive all the way to the bank because the fraud department keeps hanging up on me has caused this to consume an excessive amount of my time. I trusted Wells Fargo with my money because I was told my money was insured against things like this but now it seems like they lied to me. Wells Fargo continuing to allow money to be pulled from my account after I reported the fraud has caused the damage to double. Please help me resolve this because it's causing a serious hardship

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 2024-10-02 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: TX

Complaint narrative:
This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on Transunion reporting as of XX/XX/XXXX. Located previous report number # XXXX Transunion report number on XX/XX/XXXX. Original creator XXXX XXXX, and schedule for deletion from report XX/XX/XXXX. Transunion is reporting inaccurate information from XXXX XXXX on XX/XX/XXXX, which is fraudulent information. This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. Transunion failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following Account XXXX XXXX and number 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