vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/2023

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 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One unexpectedly closed this Walmart credit card in early XX/XX/year>. Never have I missed a payment on this card prior. The due dates were confusing as I made a payment on XX/XX/XXXX for {$50.00} for this card and my other Cap One card I had. For some reason the due date on the other Cap One card is XX/XX/XXXX, I assumed the same for the Walmart card. I just logged in to setup two payments as the XXXX is approaching and see that I was charged a {$28.00} fee for a late payment. 

I called capital one and requested that fee to be waived as I have never missed a payment on this card before. They denied the request. I feel Capital One misled me on the correct due date in order to charge what is a 100 % penalty fee. The minimum payment was {$28.00} and the fee charged is {$28.00}. That's a 100 % penalty late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies. 

The terms and conditions outlined in the privacy notices of Wells Fargo XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of Wells Fargo XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.

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 2024-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America North Carolina appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies.

The terms and conditions outlined in the privacy notices of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Bank of America North Carolina emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America North Carolina, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.

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 2024-04-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX Chase/ JPMCB Card ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX  ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did a balance transfer over a year ago from XXXX to Capital One. Capital One wrote a check to XXXX auto department. We do not have an account with their auto department. A mistake on Capital Ones part that they have admitted. XXXX did an investigation and found that it went to the wrong department so they wrote another check to Capital One. Capital Ones auto department cashed that check. Again we do not have any accounts with any auto departments. Another mistake on Capitol One that they have admitted. We have done another investigation and they confirmed they cashed the check but since then they say they have sent 4 checks back to XXXX but XXXX have not received anything and Capital One will not provide proof of the checks they say they sent. XXXX is now trying to hold us responsible saying we owe them the money and have been charged with late/interest fees. Capital One still has my money and will not fix their mistake. This has been very time consuming and stressful. Capital One has been very rude and unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-19 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: FL

Complaint narrative:
I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: WI

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 2024-04-19 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: MD

Complaint narrative:
On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MD

Complaint narrative:
On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXX & XXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.

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 2024-04-19 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 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX # XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

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 2024-04-19 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

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 2024-04-19 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: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-19 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: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( XXXX XXXX XXXX ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with explanation