vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX which is in XXXX XXXX County . I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX  XXXX, XXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

USPS TRACKING NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: DE

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 XXXX party. They in fact did not come from a XXXX 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 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I called to close out my cerdit card account with XXXX XXXX XXXX  and they told me they closed these accounts. This was in XXXX of 2023, Offered to pay the remaining balance on the cards one was XXXX and some odd dollars and change and the other I owed XXXX and some odd dollars. As I was checking my app the amount remaining was steadily increasing so I called to find out why, they explained that my accounts were not closed in XX/XX/year> like I had asked they did not close them out until the end of XX/XX/year> in they then in turned charged me all kinds of fee and add ons that I never signed for when I asked them to email me a copy of the paper work I signed for those add ons they advised they could not do that. I offered them a settlement so it would not go on my cerdit as they were threatening to do and they told me no, when I mentioned I would get a lawyer if they put it on my cerdit they would not talk to me anymore and hung up on me. Now my balance on the accounts are XXXX for XXXX and almost XXXX for the other and the card limit is only XXXX on that one. The other that is XXXX is limited at XXXX. Needless to say this company put both accounts separately on my cerdit and knock me down from an almost XXXX cerdit score to a XXXX cerdit score by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

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. 
XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 


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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
My Indigo credit card is set to Auto Pay. I checked it 3 times this month just to make sure I didn't need to worry about it while I was on vacation. I checked my bank account and noticed that the minimum payment was not pulled from my account on its due date which is today XX/XX/24. I then logged onto my account and yet again verified my account is set to autopsy. Despite being selected, my XXXX account info and minimum payment is set. This company did not take the funds out and when I did go to try and pay it, made available date post dated for tmrw. I believe this company is purposely not posting auto pays to charge fees to their customers. I tried three times to call and never got a hold of a human, despite sitting on hold for XXXX mins each time. I will be paying off this card and closing the account but I think they are doing this with intent and maliciously attempting to rack up fees against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-07-12 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-12 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: MO

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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request, these inquiries remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This discrepancy and the reinsertion of the deleted item without proper notification are violations of the FCRA. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which constitutes a further violation of my rights under the FCRA. 
Creditor XXXX XXXX XXXX XXXXXXXX

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am complaining WELLS FARGO BANK and her partner bank XXXXXXXX XXXX XXXXXXXX charged me XXXX more than the agreed fee amount. This lead to my entire transferred amount is forfeited, because I did not pay the exact XXXX. 

Sending bank : WELLS FARGO BANK , N.A . 
Receiving bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I needed to pay XXXX British pound sterling ( GBP, ) exact to my recipent in XXXX XXXX. 
XXXX. This amount was before any foreign tax and/or receiving bank 's fee were deducted. 
XXXX. Wells Fargo informed me the service charge was XXXX on XX/XX/2024. ( See attached XXXX. Wiring Confirmatoin and Receipt pdf file, under Other Fees XXXXXXXX XXXX XXXX  XXXX. I purchsed XXXX ( XXXX {$74.00} deducted from my bank account ) from Wells Fargo Bank to cover all the wiring cost on XX/XX/2024. 
XXXX. On the Confirmation and Recipt, it clearly stated Total for recipient 50 GBP. ( See attached Wiring Confirmatoin and Receipt pdf file ) 7. I understood recipient may receive less due to foreign tax and the receiving bank 's fee.

8. However, my recipient only received 44, before he paid any foreign tax and receiving bank 's fee. The receiving bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( an intermediate bank ) charged XXXX ( See attached Intermeidate bank chage, not receiving bank pdf file ) XXXX. Wells Fargo did not properly disclose this fee and breached the agreed XXXX XXXX  service fee. 
XXXX. I filed XXXX complaints with Wells Fargo Bank and they denied for any wrong doing. ( Wells Fargo complaint number XXXX and 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 2024-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My mother recently passed and I am the sole beneficiary on her checking and savings accounts ( Estimated value of $ XXXX ). Bank of America has frozen the accounts due to her death. I called Bank of America on XX/XX/XXXX and the agent on the phone said I needed to visit a local branch to fix the situation. On XX/XX/XXXX, I visited the local branch and provided the branch manager all the requested and required information ( Death certificates, legal ID, etc ). To my complete surprise the branch manager said he couldn't help me and that the centralized group ( somewhere in the XXXX ) would US Postal mail me documents to fill out which in turn I need to complete and US Postal mail or fax back. He said this process will take 30- 90 days to complete because and I quote, " Bank of America is a large bank is things like this take time. '' I am now facing paying my mother 's bills $ XXXX ( funeral, house operating expenses, etc. ) out of pocket for the next 30- 90 days because I can not access the funds which are legally mine. 
I am a XXXX year customer of Bank of America and my mother was a XXXX year customer. I provided all the requested legal documents required to access my funds, but I still can't because of a too big to fail, inefficient organization takes 30- 90 days to transfer funds with in their own organization. This is XXXX, why/ how can any organization afford to be this inefficient and hold customer 's funds XXXX for XXXX 90 days. Also note, while they are holding my money I do not get the benefit of the interest income on the accounts.

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 2024-07-12 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:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 2024-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to bring to your attention an issue I have encountered with Navy Federal Credit Union regarding my recent application for a home equity line of credit ( HELOC ). 
On XX/XX/2024, I submitted an application for a HELOC with Navy Federal Credit Union. I supplied all requested documentation promptly as well as paid out of pocket {$1500.00} for the required repairs and appraisal. I believed I met all criteria outlined for approval. However, on XX/XX/XXXX I received a denial letter, according to Navy Federal Credit Union ( unable to verify my residence ). Prior to my application being denied I spoke with XXXX XXXX and she stated the loan for my property would be 10.5 % because they classified it as a rental property because I did not live there full time. I told her that I would accept the terms for that interest rate and asked for the loan amount requested to increase to the maximum. I was required to have Navy Federal Credit Union as the first mortgagee on my home owners insurance which was also done in a timely manner. I was told to appeal the application because I was concerned about decision and why it was denied. The denial letter did not provide sufficient explanation for the decision, which has left me concerned and confused about the process. 
I believe that my financial situation and creditworthiness align with the requirements for a HELOC, as outlined by Navy Federal Credit Union. I have an established income and a positive credit history, which I provided evidence of in my application. I have been a long time customer at NFCU and have had substantial amounts of money in my account. Therefore, I am requesting a review of my application by the Consumer Financial Protection Bureau to ensure that it was evaluated fairly and in accordance with all applicable regulations. 
Enclosed with this letter is a copy of the denial letter from Navy Federal Credit Union. I would appreciate it if the Bureau could investigate this matter and provide guidance on any steps I should take to appeal the decision. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
My account with ( XXXXXXXX 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 my 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 in ( MONTHS REPORTING LATE ) 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. 

XXXXXXXX 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