vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is my 2nd letter stating that my school taxes were not being paid in a timely fashion by Wells Fargo. I've provided Wells Fargo with a copy of the letter and the case s under review. 

I'm trying to also make sure there is no issue with my Escrow due to this occurring and since Wells Fargo pays on my behalf. I received an letter in reference to not enough Escrow funds.

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 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I bank with HSBC US. 

So far, this bank has proved to be a complete disaster. 

I thought I would just tolerate the fact that I needed to repeatedly email the staff that they overlooked my response during account application. Yet, what happened later made me XXXX XXXX XXXX XXXX 

In XX/XX/year>, I was scammed by a fake XXXX XXXX XXXX platform and lost XXXX. Thats why I approached a cybersecurity expert online to help me look into it. Yet, she wouldnt help me unless and until she receives my money. I wired her XXXX at XXXXXXXX XXXX ET, which passed the cutoff time. I tried to recall it by phoning the bank next day. Yet, the transfer was executed on XXXX XXXX. I was pondering whether I should continue with my payees service. Yet, nothing came out from her side. Thats why I decided to recall the fund and raised my request on XXXX XXXX. Despite the fact that the fund wont actually land in my payees account until XXXX XXXX, the bank simply let the investigation drag more than a week. I was increasingly hopeless until finally I received the result that my payee got my money and moved it elsewhere. My request was denied because the fund was unavailable. I lost XXXX to a stranger What devastated me more was the response from app chats that each agent would came back with a different response about the waiting time and others. Some didnt even care to check further, while others made requests for me but to no avail. What troubled me most was the one call I made to the HSBC XXXX assigned contact. That executive couldnt even expressed herself clearly in XXXX. Everything from her was so fragmented that I couldnt believe that this was the experience intended for a premier customer. 

Overall I was perplexed and petrified in the entire process of addressing my request. Not only did I lose every cent of my hard-earned cash, I felt utterly humiliated and discriminated against by this bank. I cant trust this bank anymore. 

Today is the XXXX day since I filed my complaint with the bank via its chat service ( they gave me a complaint number XXXX ). Still, the customer service requested me to wait two to four working days, while previous agents told me yesterday and the day before yesterday to expect a result in 24 to 48 hours. Yes, this bank failed me in every single aspect. And the only answer I get so far is to wait, wait and wait because they cant recoup my money or foot the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. I have official documentation from the court clearly stating that this bankruptcy should not have been reported to your agency. The fact that this erroneous information remains on my credit file is extremely concerning and calls into question the accuracy of the reporting process. To make matters worse, there is evidence of an unauthorized third party being involved in this situation, further highlighting the severity of the issue and the potential breach of my personal information.

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 2024-12-02 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:
Issues with Reporting by XXXX XXXX Missing Data in Payment History : The payment history for this account contains multiple entries of ND ( No Data ), including critical periods in XXXX, XXXX, XXXX, and XXXX. 

For example, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX show missing data, and the months leading up to the charge-off date ( XX/XX/XXXX ) also lack proper reporting. This incomplete reporting violates 15 U.S.C. 1681e ( b ), which requires the maximum possible accuracy of reported information. 

Timeline Inconsistencies : The last payment on the account was made on XX/XX/XXXX, but XXXX XXXX delayed charging off the account until XX/XX/XXXX. Federal banking regulations require charge-offs within 180 days of the first missed payment. 

This prolonged charge-off timeline and lack of detailed reporting for this period raise concerns about potential regulatory violations and inaccurate reporting. 
Charge-Off Balance Discrepancy : The charge-off balance is reported as {$1200.00}, while the original credit limit was {$800.00}. 

This unexplained difference of {$430.00} suggests that fees, penalties, or interest may have been added improperly. XXXX XXXX has failed to provide a breakdown of the balance, violating 15 U.S.C. 1692f ( 1 ), which prohibits the collection of unauthorized fees. 

Failure to Resolve Previous Disputes : The comment on my credit report states : " Account previously in dispute investigation complete, reported by data furnisher. '' However, XXXX XXXX has not provided the required documentation to substantiate their claim of accuracy or address my specific concerns regarding missing data and discrepancies. 
Relief Requested I respectfully request the CFPB to : Investigate XXXX XXXX reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Require XXXX XXXX to provide : A full breakdown of the {$1200.00} charge-off balance, including all fees, penalties, and interest. 

A corrected and complete payment history for the account, including all months currently marked as " No Data. '' If XXXX XXXX can not substantiate their claims or validate the account details, remove the account entirely from my credit reports.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management because they are reporting a collection account on my credit report that I do not recognize. I have no recollection of ever doing business with this company. They are reporting the debt as OPEN with a past due amount of {$1500.00}. This information is erroneous and is interfering with my ability to purchase a home for my family. I request that this inaccurate account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they number one provide me with the purchase agreement to show full ownership and the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX  Account Number : XXXX I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ). 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX  Account Number : XXXX I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Complaint Against Chase Bank for Account Closure Without Explanation Dear CFPB, I am writing to formally file a complaint against Chase Bank regarding the unexpected closure of my bank account without any prior notice or explanation.

I discovered my account closed without notification from Chase. I've not received any communication explaining the reason for this action, nor have I been provided with an opportunity to address any issues that may have led to the closure. 
The lack of communication and transparency is concerning, as it has caused me significant inconvenience and disruption to my financial activities. I rely on my account for my daily transactions, and the sudden closure left me without access to my funds. 
I attempted to contact Chase 's customer service to seek clarification, but I have not received a satisfactory response. I have the right to understand the reasons behind such actions and to have my concerns addressed in a timely manner.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank adheres to fair banking practices and provides clear communication to its customers regarding account management. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: PA

Complaint narrative:
I am submitting this complaint so that this agency can not later claim ignorance of my 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I had some time to review my credit report and I noticed a few accounts that didn't belong to me. These accounts have never been registered by me before nor have I ever had any contacts with the creditors. Majority of the accounts below are originally from the TIME OF HAVING MY Identity stolen. Please see below. 
Account Name : XXXX XXXX Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : Toyota MTR Acct # XXXX I am requesting that the accounts above be removed from my credit reports and that you place a fraud alert on my profile. I fully understand my rights under the FAIR CREDIT REPORTING AT AND U.S CODEs I researched my rights regarding the FAIR CREDIT REPORTING ACT and 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 and all accounts you post on a credit report Please do not respond to my typed letter stating We verified that account belongs to you without providing me with all documentation. Once done feel free to send me my updated credit reports to my home address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
Experian has been illegally discriminated against me falsely reporting incorrect information to lenders in efforts to prevent me from being able to get credit. Experian has repeatedly provided incorrect data and credit scores to lenders obtaining my credit score and reports while providing me with a different credit score inconsistent with what they are reporting to lenders. Experian has refused to fix problems racially profiling and discriminating against XXXX peoples and having no intention whatsoever to address or resolve problems brought to Experian attention. Experian unwillingness attitude to fix problems is a major root of its discrimination. Experian has caused numerous problems with lenders who obtain my credit report for financial reasons causing negative impact to my credibility based upon Experian failure and false business practices and reporting of inaccurate and misleading information about credit score. Experian has blocked me from speaking with staff at Experian by not answering calls and forwarding my calls to non human operators and call drops to discourage me from calling and complaining about their services.

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 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: SLM CORPORATION
State: AL

Complaint narrative:
I attended XXXXXXXX XXXX in XXXX, XXXX, for XXXX years and took out loans for each year. My final year, XXXX, was cut short because the university mismanaged my loan approval and provided me with incorrect borrowing calculations. Despite repeatedly asking for guidance on the correct loan amount, I was advised to borrow as much as possible to cover my accommodations. I followed their advice, and my loan was approved. However, it turns out they made a mistake, leaving me stranded and implying that I had not borrowed enough. Now, I owe the university a remaining balance of XXXX, which I can not afford. 

On top of this, their error caused me to start repaying my student loans while I was still in school, something I was unaware of. The staff member who supposedly assisted me with my loan no longer works at the university, and I feel deceived and taken advantage of. I borrowed approximately {$78000.00} {$79000.00}, but I have no clear understanding of where the money went or what remains of it. My tuition costs were roughly {$60000.00} {$70000.00} USD, equivalent to XXXX XXXXXXXX 

I would like to speak with someone to resolve this issue and clarify what happened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable.

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 2024-12-02 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:
I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable.

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