vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: 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.

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 XXXX 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 2024-11-14 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: GA

Complaint narrative:
On XX/XX/XXXX I deputed with Equifax that the information on my credit report was wrong, and they need to correct the information with XXXX XXXX. By contacting them and validate the information. They did not do that!! They reported back the next day on XX/XX/XXXX that information verified and correct. They are reporting on my credit that the balance was correct. 

My wife and I billing cycle date is on the XXXX of each month and the credit card was paid off before that date. If you look at the billing statement it shows a balance due of {$1.00}. Equifax is reporting a balance of {$210.00} which is completely wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/ I made a payment of {$1000.00} to XXXX XXXX XXXX XXXX. The transaction cleared. I used my CoAmerica Direct Express card. On XX/XX/XXXX I called Direct Express to dispute a {$15.00} charge from XXXXXXXX XXXX that was being debited weekly from my card. The dispute agent made a mistake and disputed the {$1000.00} debit to my storage as well. On XX/XX/XXXX my storage called me and said my bank reversed the XXXX. I called Direct Express to see why. The representative said because you disputed it. I said I did not only the {$15.00}. I said the representative that I spoke with asked me about the {$1000.00} charge and I told her it was fine and that it was for my storage. The representative apologized for her mistake. I said the storage called me can you send the money back to the storage. He said no we can not send to the vendor but we can put the money on your new card. He did. So this transaction should have been put in their records as a refund. Direct Express recorded the {$1000.00} as a line of credit. On XX/XX/2024 Direct Express took {$1000.00} from my social security check because they said it was a line of credit and because the dispute was closed I owed them the {$1000.00}. I have called them and spoke to several representatives and they won`t listen to me. They closed the many disputes I filed regarding my refund not line of credit and they continue to say it was a line of credit not refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Equifax ] regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, FL,XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, FL,XXXX ] [ XXXX XXXX XXXX XXXX, XXXX , Fl,XXXX ] I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
The consumer reporting agency Equifax Inc is in several violations of the FCRA for reporting an inaccurate collection account that is not in METRO2COMPLIANCE furnished by XXXX XXXX XXXX - account ending in XXXX with an alleged balance of {$6300.00} that is not owed to this debt collector. The original creditor furnished on this account is XXXX XXXX  XXXX XXXX XXXX XXXX  which is the same creditor who furnished the account XXXX XXXX ending in XXXX. The original account furnished from XXXX XXXX has no late payments reported in the transactional history and is reported on my Equifax report as paid off/closed with {$0.00} balance owed from the months ( XX/XX/XXXX ) - ( XX/XX/XXXX ). The date of first delinquency in this inaccurate collection account ending XXXX is listed as XX/XX/XXXX with late XXXX payments that were furnished without a statement from XXXX XXXX XXXX pursuant to 15USC1666 ( B ). XXXX XXXX XXXX has also increased and decreased the alleged balance owed by {$7.00} every week which is another violation of the FCRA. Failure to remove this inaccurate collection account from my credit report will result in pursuit of litigation on behalf of these inaccuracies on my report. I sent Equifax a notice of their many violations on ( XXXX ) to then get no response or notice of their investigation into this inaccurate data on my report. I sent another notice of their violations on ( XXXX ) and Equifax still refuses to open a dispute. Ive included all the proof in my attachments to this complaint. ( Original Account ending in XXXX that shows no balance owed or late payments- Collection account showing the alleged balance owed- and my notices sent on ( XXXX ) - ( XX/XX/XXXX ). ) I am not liable for this inaccurate debt reported, however the consumer reporting agency is liable for all actual damages caused by their actions and violations of 15USC1681 ( e ) which speaks on their obligation as a consumer reporting agency to ensure maximum accuracy of the data on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
Unauthorized hard inquiries are listed on my report, contrary to 15 USC 1681c-2, and are damaging my credit. Please remove them.

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 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2024-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed with Equifax for accuracy on report, sent letter requesting accuracy. Their investigation did not fix the error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Because of Equifax 's Data Breach my credit has been impacted by negative fraudulent accounts and items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: IL

Complaint narrative:
Because of Equifax 's Data Breach my credit has been impacted by negative fraudulent accounts and items

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 2024-11-14 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX to inform them of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in XXXX feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, I received a notification on XX/XX/XXXX indicating a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/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 2024-11-14 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX to inform them of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in XXXX feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, I received a notification on XX/XX/XXXX indicating a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX to inform them of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in XXXX feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, I received a notification on XX/XX/XXXX indicating a XXXX late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-11-14 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: FL

Complaint narrative:
I reviewed my credit report and noticed billing errors with late payments that don't align with my usual record. Please correct these mistakes and update my account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reviewing my recent credit report, I discovered several accounts that appear to have been added without permission. Please ensure these fraudulent accounts are blocked and removed 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 non-monetary relief
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
Inaccurate inquiries are listed on my report without my consent. I request removal of these immediately.

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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
On XX/XX/year> i began trading with " company '' named XXXX XXXX XXXX ( XXXX ). 

I transferred funds from my Crypto.com account in amount of XXXX BTC. 

At certain point, i requested a withdrawal, but the " company '' kept ignoring me and requesting additional funds in order for me to receive my money back. 

I wrote to Crypto.com on XX/XX/XXXX and XX/XX/XXXX and received no responses. 

I provide them with all evidence that transactions occurred, and communication with the scammers, but they never addressed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Experian ] regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, FL,XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, FLXXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX Fl,XXXX ] I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A recent utility bill or bank statement showing my current address.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I went into the Bank of America branch on XXXX XXXX and spoke to a manager by the name of XXXX XXXX, XXXX, in regard to getting a statement printed out for the last 10 days and I asked about a fee that I was assessed AND this Manager became very, very nasty, abusive and extremely aggressive with me. He lied to me and said that he had reversed fees in the past which is a lie. Then he started raising his voice at me, he became extremely aggressive and abusive. I have been a customer of Bank of America for over XXXX years and no client should be treated in this way. I have been assessed with numerous fees by Bank of America and I wanted to discuss what was happening in my account in a respectful way but this manager attacked me verbally, was extremely abusive and aggressive. I will never walk into this branch again! I guess that's what I get for XXXX years of loyalty.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On examining my latest credit report, I spotted accounts I believe to be unauthorized and inaccurate. Requesting urgent removal and blocking of these fraudulent 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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.

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 2024-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a XXXX  with a variable rate. According to my loan terms, the prime rate plus a margin will be applied to the balance based on the prime rate published in the XXXX XXXX XXXX on the first day of the billing cycle. PNC failed to apply a lower prime rate ( effective XX/XX/year> ) to the XX/XX/year> billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
This loan was taking at a trade school that was closed down due to fraudulent practices with financial ad I am not responsible for this loan or dont have any knowledge of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as XXXX  % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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