vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-01-11 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: 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. 
I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
" XXXX THE XXXX REP '' Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. 

The experience was so distressing that I had to take XXXX XXXX  afterward. I even reached out to my XXXX  colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. 

I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. 

I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as XXXX XXXX XXXX had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly.

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
Fulton Bank indicating that because the fraudulent check was cleared on XX/XX/XXXX yet not reported until XX/XX/XXXX, the Bank is not responsible for reimbursement DESPITE the fact that the account was frozen ( in connection with a 2nd fraudulent check incident ) in XXXX and such that I no longer had access to the account. Despite requesting access to the account I was only able to view other checks after reopening the account and now discovering the additional fraudulent check

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-11 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: CA

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Take note of the attached documents. I urge the bureau to start an investigation into these accounts where I am never overdue, despite them being reported inaccurately.

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 2024-01-11 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: CA

Complaint narrative:
Hello and XXXX XXXX XXXX. I have reached out to the credit bureaus several times at this point to dispute several collections that do not belong to me. Each time it comes back as verified. I sent a certified letter requesting them to validate/ verify the debt and I also asked them to provide the method in which they verified the debt. Additionally, I asked for any and all signed contracts and or any valid documentation that proves I owe the debt which is their fiduciary duty. The credit bureau 's however did not send me ANY of the requested information and just instead sent me an itemized letter once again stating the debts had been verified. They however, did not provide method of verification as I requested nor did they provide even a single piece of documentation proving I owe any debt to any creditor. This is unlawful violation. 15 U.S.C 1681G. Please see the attached dispute letter that was sent to the credit bureau 's and their response. 

Attached : Driver 's License, Dispute letter, Response to Dispute

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit score decreased by 60 points. I called the company to ask what event or events triggered the score to drop by 60 points. I have a very limited credit profile, a mortgage and store credit card. The store credit card has never had a late payment and card has a XXXX balance. The mortgage does not have any late payments. In fact over time, as I made mortgage payments my score has increase slowly by 1 to 2 points per month. Now with no activity on this profile except on time mortgage payments why has the score decreased by 60 points. I called TransUnion and the representative told me they could not tell me why the score decreased by 60 points. A score does not go from XXXX to XXXX in a vacuum. How can a consumer maintain a decent score if a credit bureau is unwilling to disclose why the credit bureau decreased a score?

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Request for Reopening My Customized XXXX XXXX XXXX XXXX XXXX  XXXX Account I hope this message finds you well. I recently discovered that my Customized XXXX XXXX XXXX XXXX - XXXX account was closed by Bank of America on XX/XX/XXXX. After reviewing the situation, I believe the closure may be linked to a series of events that started when Bank of America initiated an unauthorized payment of - {$24000.00} on XX/XX/XXXX on my travel reward card, without my consent or any pending payment obligation. 

Upon noticing this unauthorized transaction, I promptly contacted my bank, XXXX, and requested them to halt the payment. Regrettably, in the process, XXXX also implemented a stop payment on all future transactions, unbeknownst to me. Consequently, when I used XXXX Bill Pay to settle my dues with Bank of America, some of the subsequent payments were returned, leading to a misunderstanding. 

I want to clarify that I have since settled all outstanding balances with Bank of America. It was not my intention to cause any disruption, and I sincerely apologize for any inconvenience this may have caused. I have been a loyal customer since XXXX, and my other accounts with Bank of America have consistently maintained good standing. 

Considering my longstanding relationship with Bank of America and the unintentional nature of these events, I kindly request the reopening of my Customized XXXX XXXX XXXX XXXX - XXXX account. I assure you that such issues will not recur, and I am committed to maintaining a positive and timely payment history. 

Thank you for your attention to this matter, and I appreciate your understanding. 

Sincerely, 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 2024-01-12 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On credit card number ending XXXX sychrony bankcard for amazon store the bank sychrony reports that i have not paid a balance of {$480.00}. 
that statement took my credit down from XXXX to XXXX. 
all items in question were returned before XX/XX/XXXX. 
amazon investigated ( 3 ) times around ( 3/2023 ). amazon emailed me ( 3 ) different times Saying they refuned sychrony bank already ( XX/XX/XXXX ). 
sychrony bank had and has no reason to legally mess up my and they continue on this path .My credit is to be restored to XXXX as it was before sychrony bank made the ( false and completly FALSE FILING WITH THE CREDIT AGENCIES. )

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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OK

Complaint narrative:
XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please see the enclosed documents. I request the bureau to commence an investigation into these accounts where I am consistently on time, but they are incorrectly reported as late.

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 2024-01-11 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 Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-11 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: 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.

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-11 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: TX

Complaint narrative:
XXXX XXXX TRANSUNION XXXX XXXX ARE VIOLATING THE CONSUMER LAWS REMOVE IMMEDIATELY XXXX ACCT # 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 2024-01-11 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: TX

Complaint narrative:
XXXX EQUIFAX XXXX XXXX XXXX ARE VIOLATING THE CONSUMER LAWS REMOVE IMMEDIATELY XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: MO

Complaint narrative:
XX/XX/XXXX settled my account with XXXX and they updated my balance but refuse to fix my payment history and refuse to even put on my credit report were settled they did the same for the balance I settled on XX/XX/XXXX as well. Contacted true accord which told me XXXX was in charge with credit reporting and than I called XXXX  and they said XXXX was I disputed it multiple time and provided proof which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief