vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: MD

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 XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Delete this accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 additional 2 % cashback not provided

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld systems reported to the credit bureau that I owed XXXX {$130.00}. I disputed this with the credit bureau, however, a year has past and this error is still listed on my credit report. The most recent listings indicated that I opened the account in XXXX. I have not had a XXXX account since XXXX. I have no knowledge of owning XXXX any money.

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 2024-01-04 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: MD

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 Account Number:XXXX  Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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 2024-01-04 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: MD

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 NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage

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 2024-01-04 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/22 - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/22 - {$2800.00} XX/XX/22 - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX City Code. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX city code . 

Attached are copies of the city code and proof of lack of permit/inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
Initial communication via CFPB and FTC. 

Creditor NBC responded with debt validation. 

Entered into settlement with NBC in which they stated tradeline would be removed from the credit reports. 

As of XX/XX/XXXX this has not yet happened. 

Payment made XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XXXXXXXX XXXX 2024 my checking account became overdrawn. US Bank then issued an alert on XXXX XXXX, 2024 stating that I needed to deposit a specified amount by XXXX XX/XX/2024 to be eligible to have the {$100.00} in overdraft fees waived ( XXXX {$36.00} fees ). I made the deposit prior to the specified deadline only to discover on the morning of XXXX XXXX, 2024 that there was apparently another payment draft taken out of my account ( {$10.00} ) and the bank reapplied the XXXX {$36.00} overdraft fees and an additional overdraft fee for the attempted draft. 

I was told that, though I met the deadline and fulfilled the specified deposit amount ( the bank gives you until XXXX the following day to deposit an amount that they specify to have fees waived ), they chose to reapply the fees. 

I explained to the representative that If the additional bank draft was attempted XX/XX/XXXX, how could it be included/lumped into the XX/XX/XXXX overdrafts? I requested the overdraft fees be waived and was told that that would not be possible. I then requested to speak with a supervisor. 

Once I reached the supervisor, he agreed to refund only 3 of the 4 {$36.00} overdraft fees. I voiced that this is unethical due to the fact that the standard next day by XXXX deadline should have applied to the XXXX XXXX draft for which I would be able to cover on XX/XX/XXXX. My request for the additional overdraft fee to be refunded was denied. 

I am requesting the opportunity to cover the {$10.00} draft and have the {$36.00} overdraft fee associated with it refunded.

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Good afternoon, My concern is with how checks still showcase the entire account number, routing and customer information. I have worked in the XXXX XXXX for over XXXX and understand the importance of redacting customer information yet our checks still showcase all customer information. 

I believe this needs to change and be brought up to speed with other regulations related to customer privacy and information security. 

Thank you.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
In XXXX XXXX XXXX  notified the XXXX via a 1099 C that the debt was cancelled and I paid the IRS for the additional tax liability. In XXXX of XXXX I filed XXXX  XXXX Bankruptcy in US Bankruptcy Court for the XXXX XXXX of Pennsylvania case number XXXX or about XX/XX/XXXX, Midland Credit filed a claim for {$10000.00} only using a public copy of a judgement that was entered in the Court of Common Pleas, XXXX XXXX, Pennsylvania that was entered in XXXX but never recertified as required b y law for continued collection. On XX/XX/XXXX Midland Credit Management was paid {$10000.00} which they was not authorized by law or their alleged client XXXX XXXX. Additionally, on XX/XX/XXXX I called Midland Credit Management and spoke with XXXX XXXX who stated they did not any documentation and they are required to provide proof of the debt, then stated I needed to speak to the bankruptcy department but they are not available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I ordered a new debit card on XX/XX/XXXX, which I never received. 
On XXXX XXXX XXXX I noticed purchase transactions that I did not make. 
I reported the fraud to my bank ( Wells Fargo ). I have called them multiple times per week since the fraud occurred. I have been into the bank in person to discuss 3 times. 

I don't know what else to do. Below are the transactions being disputed, which some Wells Fargo has reimbursed me. 

These 6 transactions were denied repayment and I did not make these purchases. 
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 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 Wells Fargo 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 monetary relief
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
Subject : Opt-Out Notice Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Dispute Department, I am writing to address my credit information and the resolution of a dispute with Experian credit bureau XXXX specifically concerning my account with XXXX XXXX XXXXXXXX XXXX Despite the resolution of the dispute, there is no exception to my opt-out request in accordance with 15 UCC 6802. I demand, unequivocally, that you immediately opt me out of information sharing pursuant to 15 UCC 6802. This is not merely a request, but a formal demand based on my rights under the mentioned statute. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Please provide written documentation confirming the fulfillment of this demand at your earliest convenience. Account Information : Account Holder : XXXX XXXX XXXX Thank you for your cooperation. Sincerely, 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 explanation
Consumer complaint received 2024-01-04 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: LEXISNEXIS
State: TX

Complaint narrative:
I made dispute on XXXX for 5 claims, one being a duplicate , LN rep stated they had 30 days to do an investigation by law, if anything were to come back unverifiable, they would be removed from my report. I received 2 letters in the mail XXXX -- 5 claims were unverifiable ; does not show they are removed from the report on the letters. After the 30 days, I received a letter that 2 out of the 5 claims are accurate. LN rep did state the duplicate was removed, 4 claims are showing still -- -by law they had 30 days, information stated all 5 were unverifiable -- I've requested several times that those be removed from my report and they state they will have to open up another investigation, I don't want to do that, they had 30 days by law to do the investigation and they came back unverifiable not accurate. 

case numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I took a look at my credit report and noticed several hard inquiries that I did not authorize. I filed a report. Please see attached. 

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 2024-01-04 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: TX

Complaint narrative:
I took a look at my credit report and noticed several hard inquiries that I did not authorize. I filed a report. Please see attached. 

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 2024-01-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
I asked the company multiple notices requesting a full account accounting per 12 CFR 1026.13. Provide details promptly or remove the account and its still reporting.

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