vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Capital One XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX PROOF OF LATE PAYMENTS Dear Capital One, I am writing to address the reporting of late payments on my account with your company. According to your records, there have been late payments on my ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX but I am requesting proof of mailed statements and separate disclosures for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late. There are also certain disclosures that are supposed to be provided 21 days prior to my statement due date. These disclosures are separate from the statement. 
Please provide me with proof of these monthly disclosures you provided. 
Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
some is try use my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: LA

Complaint narrative:
" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
i want the information that does not match with the other credit bureaus to be reviewed, the information does not correspond between the different bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been trying to close my aunts checking account since her death in XX/XX/2023. Her account is with Wells Fargo in XXXX Minnesota. I live in XXXX Illinois. I am her POA and her only heir. I went to a Wells Fargo bank in a XXXX suburb but was told I would have to make an appointment, they do not honor walk-ins. I then called and made an appointment With a Wells Fargo bank in XXXX Illinois, closer to my home. I arrived for my appointment 15 minutes early. After waiting an hour past my appointment time I asked when I would see someone. I was then directed to a woman who said she was not a branch manager and they were short staffed but she would help me get all the forms in. I provided her with a copy of my aunts death certificate, a copy of her POA which listed me and my ID. She took everything and put it into a file and gave me a Wells Fargo form to close out the account of a deceased person and a copy of the Illinois Affidavit for Estate Collections. She told me that usually I could fill these forms in and add them to the other documents. However they needed to be notarized and they had no notary there that day. So she told me to get them notarized and mail them to the branch manager, which I did. She also gave me his card with his number on it. She told me she put in the notes to let him know to expect my documents and then to, call me. She told me I could also call him. After 3 weeks when I had not heard anything I called his number from the card. The recording said that his number was not set up to leave messages. I then called the 800 number for the deceased account department. I spent an hour going over everything including my dissatisfaction with another person. She assured me she would email more forms that I could then return by email using their encrypted system. I never received any email from her. Several days later I called the same number and I explained the story to another person who told me she would send the material to me and I could resend electronically or by overnight mail. I sent the documents by overnight mail on XX/XX/2023. I contacted Wells Fargo again and got an email from XXXX XXXX. She had my documents but said that the Illinois form needed more information and said that I should use the Minnesota form instead. I refilled it out and again tried to, send the documents electronically unsuccessfully, I am now resorting to this complaint process because I have had enough. Can someone help me close this account out? I work with several banks here in Illinois for both personal and business. I have NEVER had so many problems, excuses, poor customer service. Who hands out business cards with a phone number that does not take messages?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I sent a wire transfer, and my bank, Chase, said they did send the money, but no more information is given but a confirmation number, which I did send to the recipient bank. The other bank, XXXX XXXX, said they did not receive the money. I requested my money back, and Chase said they can not help any further. I am here speaking to the wire department, they sent me to claim department ; claim department said they don't understand the letter requested ( LOI requested by the recipient bank ) I asked to speak to the supervisor, they put me on hold and send my call again to customer service. Literally, right now I am on hold waiting for another " customer service specialist ''. I don't see how this case is going to be resolved. They do not care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing to express my deep dissatisfaction regarding the handling of my tax refund for the tax abatement on my property. Despite providing ample evidence of payment and eligibility, I have yet to receive any resolution or acknowledgment from your company. 

On [ XX/XX/year> ], I contacted your office to address the issue of the outstanding tax refund owed to me. I provided documentation confirming the payment made from the escrow account, as well as proof of eligibility for the tax abatement. However, to my dismay, there has been no progress or communication since then. 

Repeated attempts to follow up on the matter have been met with silence, and my concerns seem to have been disregarded. This lack of responsiveness and accountability is unacceptable, especially considering the significant financial impact this refund has on my finances. 

I urge you to take immediate action to rectify this situation. I expect a thorough investigation into the status of my refund and a clear explanation for the delay. Furthermore, I demand a concrete timeline for when I can expect to receive the refund owed to me. 

I trust that you will treat this matter with the seriousness and urgency it deserves. I look forward to a swift resolution and the timely receipt of my tax refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

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 Account XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-04-25 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:
This is to put XXXX XXXX on notice that it is putting inaccurate, incomplete, and unverifiable information in my credit report. XXXX XXXX is knowingly placing inaccurate and incomplete information in my credit reporting despite being notified. XXXX XXXX is placing an alleged charged off account in my Trans union credit report claiming that I owe a balance of {$1000.00}. That is false and misleading, to say the least. That could not possibly be the case when XXXX XXXX sold the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is placing the same alleged debt in my credit report for {$1000.00}. Can I possibly owe the same {$1000.00} to both XXXX XXXX XXXX and XXXX XXXX at the same time. The answer is " no ''. The answer is either I owed the same alleged {$1000.00} to XXXX XXXX XXXX XXXX or XXXX XXXX. Both companies placed the same alleged debt in my credit report for {$1000.00}. Therefore, the information is inaccurate and incomplete. As such, I demand to have the alleged charged off from both XXXX XXXX XXXX and XXXX XXXX for {$1000.00} be deleted from my Trans union Credit report immediately. Failure on the part of XXXX, and XXXX XXXX XXXX Trans union credit reporting Agency is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: FL

Complaint narrative:
Regarding my company- XXXX XXXX XXXX XXXX XXXX Solely owned by myself since XXXX XXXX I was and am ONLY a

Union bank customer-At no time was I ever a US bank customer client. US bank has changed the terms of my current contract
with Union Bank. Including the interest rate, Payment, and the annual fee. I have investigated this thoroughly, They can also not change the annual fee from the original contract.

A BANK THAT ACQUIRES THE CONTRACT FROM ANOTHER BANK IS REQUIRED TO ABSORB THE OLD CONTRACT- So interest rates and terms will remain the same. I have tried intently to correct there error and have not been able to do so. I have included the original business line of credit contract from Union Bank. US bank has raised my interest rate to 10 % recently for no reason. I have Never had a late or missed payment payment with any bank or creditor

EVER. In my opinion this is Fraud and misrepresentation. US bank must adhere to the original contract i signed. I have included the response letter as well from US bank in the attachments as well. They are claiming they change my old contract terms and fess at will. Banks think they are ABOVE THE Law. That they can do what they please when it is another banks loan. Please help me to correct this error, 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 monetary relief
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
When I went to check my profile I came across some inquiries that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/23 through XXXX report number XXXX. I requested Bank Of America to remove account from my report if they did not have verifed documentation of my request to close the account, which is stated by them on my report. They willfully non complied with my request and to accurately verify info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: MI

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.

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 2024-04-25 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: MI

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.

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 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC
State: FL

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CoinFlip account to fraudulent investment firm ( s ).

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