vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX  XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Violation 15 US Code 1681i - Procedure in case of disputed accuracy. 
TransUnion was unable to provide a description of the procedure used to determine the accuracy and completeness of the information. 
See all evidence and letters from TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX violating my right under Section 1681i. 

Certified Mail : XXXX ( DATED XX/XX/XXXX ) To : Unable to Verify and Complete Investigation in 90 days I requested a full reinvestigation of the following accounts on XX/XX/XXXX and never receive a formal response from TRANSUNION with documents and procedures proving this accounts are accurate. As per my right under Section 1681i, your company is in violation of the Fair Credit Reporting Act, and 15 U.S Code 1681s-2, 15 U.S Code 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: HireRight Solutions, Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX, XXXX, TX XXXX Date Reported : XX/XX/19 This is reported as one of my addresses and I have always lived in Iowa my whole life. This was under the section of social security trace. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I tried to dispute a fraud charge on my XXXX XXXX Wells Fargo credit card and the bank even allows the unauthorized transaction happened over my limitation. Never got any notification ( text, call, nor email ). And its almost my payment date and they r asking me to pay the whole amount of it will hurt my credit score. However, from what I learnt from other banks they will lock the fraud transaction and I dont need to pay it until the case was solved and it wont hurt my credit score. Wells Fargo just ignore my question and hoping I pay all of the amount ( the amount above my limitation ) and their service people are rude and un-trained

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 2024-02-27 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: IL

Complaint narrative:
Please see attached documafvents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I signed up for an Amazon Store Card issued by Synchrony Bank. Although I provided correct information, they set my account up under XXXX XXXX ( as First Last ) as opposed to XXXX XXXX. My full name is XXXX XXXX XXXX. This caused me to be unable to access my account. After contacting customer service for assistance, they failed to follow up with me in any way. Some days later, they added a phone number to my account as a form of Two-Factor Authentication that is in no way related to me : I was thus then even moreso completely unable to access my account. 

Some months later they closed my account after assessing penalties against my security deposit that I was in no way responsible for, nor able to rectify in any way despite multiple attempts with their customer support. 

This has negatively impacted my credit score. 

Their practices do not conform with banking regulations regarding to Know Your Customer laws as they opened an account under someone else 's name. They also likely breached security and privacy regulations by applying an unrelated phone number to my account as an additional security measure. 

They refunded my account security deposit ( minus fees assessed ) but the check arrived months and months after its issuance date, making it unusable. Their customer service has yet to replace the check ( which is over {$700.00} ).

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
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred {$50000.00} to a broker for an investment which turned out to be a scam.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> XXXX charged me four separate {$25.00} dollar fees with no merrit or basis behind them. When attempting to dispute them with my bank, I was told they are unable to be disputed as they are tied to deposits I made. I then attempted to dispute the deposits as the four {$25.00} dollar fees had no merit or basis behind them. When attempting to contact support they purposely disconnected me every time to avoid the illegal practices theyre running. They charge meritless fees, tie them to deposits you made, then when you attempt to dispute the deposit they provide your ip address, email, name, and win the dispute, thus allowing them to collect any amount of money they want from you through these meritless fees. This has happened to thousands of people and I honestly am disgusted at this scam theyre running. I demand my money back and will stop at nothing until this company is held accountable for their unethical practices of stealing money from customers. As you can see in these screenshots, I had sufficient money in my bank account for the deposits, but they still charged me random fees. It is obvious there are managers cooking the books through these fees for extra bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
I am writing this complaint to TransUnion regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that TransUnion is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is TransUnion 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by TransUnion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-02-27 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-27 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
They are holding my paycheck as fraud, I cashed my check via mobile app on XX/XX/2024, and they held it for more than 10 days. it was disbursed on XX/XX/2024, according to my boss. they are still holding my money with no answer, they are stating it is fraud because my work address is in Texas, we explained why my address is in Texas to them, it is due to us repairing commercial buildings after major fires. We move a lot. they asked for my boss 's number and we provided them with that information right away. a lady on the phone told me they would hold my funds til XXXX with no reason why. I think it's because I am XXXX. I asked if they had done anything else to get my account off fraud and they stated no and couldn't tell me any more information. No police report was filed and I am still without my paycheck.

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I recached out to TransUnion to discuss things that should not be on my report. Unfortunately they did not disclose that the conversation was beaning recorded What constitutes consent is also an issue of contention when you are considering recording a conversation. In some states, consent is given if the parties to the call are clearly notified that the conversation will be recorded, and they engage in the conversation anyway. Their consent is implied. For example, we have all experienced calling a customer service department only to hear a recorded voice warning, This call may be recorded for quality assurance or training purposes. It is usually a good practice for practitioners to let the witness know they are recording the conversation to accurately recall and commemorate the testimony being given such as during the taking of a witness statement. I did advise the first young lady that she did not advise me the I was being recorded, and at which the time she began to say sorry. I then ask to speak to her supervisor and her supervisor said the same thing.

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 2024-02-27 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: GA

Complaint narrative:
XXXX has violated my rights in several different levels. They have failed to provide validation of debt, they have failed to produce billing statements and theyre reporting different amounts on all XXXX bureaus. 

There should be no late payments on closed accounts. 

Notice of dispute required within 30 days of receipt of first dispute under section 623 FCRA and 806 ( b ) FDCPA Payment Status details Consumer deceased? collection though paid? 

This is governed by FCRA 611 ( a ) ( 5 ) ( B ) you must be notify in within 5 days of the reinsert date.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had my chase account for less than a week and they have already randomly closed my account. 
I opened my account on a Friday and was informed by the banker that I could XXXX my money from my other institution to Chase and use XXXXXXXX XXXX XXXX . Well apparently I was misinformed, because Tuesday afternoon I received a message prompting me to call because my account was restricted which I then proceeded to call to only be notified that they have decided to close my account and I have to wait for an investigation and 10 business days to receive my money in the mail and that I couldnt even go to the branch to receive my money from the now closed account. The representative was also ignoring my questions and not answering anything as to why my account was even closed. PLEASE avoid chase bank I was in the middle of buying a car only to be let down with a locked up closed account. 
They XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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