vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: NC

Complaint narrative:
Goes back to XX/XX/year>. Regarding adding my name to my mothers checking account via POA. I mailed, asUS Bank would not take a fax, like other financial institutions. I mailed the POA and three firms of identification on XX/XX/year> to their XXXX XXXX XXXX in XXXX XXXX, MN. 
By mail, I received a Signer Authorization, from XXXX XXXX, XXXX XXXX XXXX, and was told this could be faxed to them. I did this on XX/XX/year>. A week later I received a call interviewing me, by the bank, asking for my SSN, etc. I heard nothing since then and have been trying to reach back to XXXX, leaving many messages. In the meantime, I am unable to pay my XXXX XXXX XXXX mothers bills. Case # XXXX associated with this are XXXX and XXXX. Through another XXXX, on line assistance was able to send emails to people at XXXX XXXX. I received a call yesterday, XX/XX/XXXX, showing they received the XXXX and Signer Authorization and that a document was mailed out that needed my signature. I spoke to XXXX XXXX, they were not allowed to give last names. I received a call today, XX/XX/XXXX, that the documents I needed to sign were sent to address on record. So not my address, to my mother in another state. I said this was not acceptable and asked for XXXX XXXX. Was told they didnt have anyone in that capacity, too bad for me. I am being prevented from paying my mothers bills, and the XXXX XXXX XXXX does not care and will not help. They have my legal documents and and will not send the other documents to my address that need to be signed. This is beyond compliant.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I went to withdraw {XXXX from my cashapp card, I was given a cash dispense error by the ATM and still had the cash taken from my account. I called both XXXX who runs the ATM and Cashapp to try to resolve this. I was told by XXXX bank that they refunded the money and Cashapp refuses to process the refund stating it will take up to 120 days to decide. I did file with the XXXX XXXX XXXX  and have not received a response from Cashapp via the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to XXXX  that I did not give XXXX XXXX for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my XXXX I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-06 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Response to an insufficient validation statement/letter they sent to me. I have asked the company several times to validate this debt and they have not. 
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. The purchase agreement showing where I signed something. This is fraud because you are unknown to me I never did business with you. 

7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 

Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-08-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: MD

Complaint narrative:
Recieved a letter from a Debt Collection Agency that informed me of my debt from XXXX XXXX XXXX XXXX  for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. There was no correspondence prior to receiving this letter which XXXX has sold my debt to. The amount of the debt is stated as {$11000.00}. This is unreasonable and has taken a toll on my credit history. I am asking for this debt either to be removed and for any late payments to be removed from my credit history. XXXX and ARS National Services are in non-compliance with this debt request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
Hi there first I would like to thank everyone wholl work with Case. So lets jump straight to the business. 
So I bank Wells Fargo on XX/XX/XXXX I notice there some Pending transactions on my account that Nor mine nor Authorized. I dont even know Who doing these transactions so I immediately call the Bank on XXXX on the XXXX XX/XX/year>. Turns out they Dont take care of these transactions verification after XXXX. Then I immediately log in my appps And tried to dispute them but I wasnt able complete the process because Online Says in order to dispute transaction it has to be posted. So I have XXXX XXXX son that I need to taken care of. So I become busy so on XX/XX/XXXX XXXX started dispute all these Transactions which Happen to be XXXX XXXX XXXX XXXX. It was more then XXXX transactions in between XXXX. So wells do let customers dispute over XXXX transactions on single claim So I had to XXXX claim in order to resolve that issue. 
My First Claim No XXXX Dispute amount {$1200.00} Merchant : XXXX XXXX XXXX XXXX NJ My XXXX Claim NO XXXX Dispute Amount : {$690.00} Merchant : XXXX XXXX XXXX XXXX NJ Right After submitting these claim I got some Additional email stating that my claim is Opened and The bank will investigate it and Hopefully Resolve this issue within 10days.

But if they Cant reach final resolution on 10th days theyll apply Temporary credit to my Account until final determination. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX I got Temporary credit for My XXXX claim which is {$690.00} Right after XXXX hour around XXXX oclock I log back In To my Wells Fargo Apps and I find they denied and Close my First Claim. 
This is Horrible and Sickening. This is not My Transaction nor Im affiliated with Any Company Named XXXX XXXX. 
So If they apply temporary credit on my XXXX Claim For {$690.00} why They Declined my First claim which both are the same Merchant dispute. That does not make any sense. Or they Handle claim In process of Amount based not A true investigation and Taking care of their customers. 
Long story XXXX love To Answer or Provide any Further details and Documents if needed

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 2024-08-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

1

5 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 con
victions 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against XXXX, XXXX, and TransUnion for Non-Response to Dispute Letters and Violation of FCRA Dear Sir or Madam, I am writing to file a formal complaint against the XXXX major credit reporting agenciesExperian, XXXX, and TransUniondue to their failure to respond and delete the inaccurate collections accounts to multiple dispute letters I have sent and their ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. **Nature of the Complaint : ** - I have submitted XXXX separate dispute letters over the past year to each credit bureauXXXX XXXX XXXX and TransUnionregarding inaccuracies in my credit report, specifically related to multiple collection accounts that I believe have been wrongly reported. 
- The dates of these letters are as follows : - First letter : [ Date of first XXXX 2024 ] - Second letter : [ Date of second XXXX ] - Third letter : [ Date of third XXXX ] - Despite my repeated attempts and providing necessary documentation, I have not received any substantive response from any of the bureaus. Nor have there been any corrections made to the inaccuracies reported on my credit file. 

2. **Legal Grounds : ** - According to Section 611 of the FCRA, these agencies are mandated to conduct a reasonable investigation of the items in dispute, typically within 30 days of receiving a dispute. Failure to do so is a direct violation of federal law.

- Additionally, under Section 623 of the FCRA, furnishers of information are required to provide accurate and complete information to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against Experian, XXXX, and XXXX for Non-Response to Dispute Letters and Violation of FCRA Dear Sir or Madam, I am writing to file a formal complaint against the XXXX major credit reporting agenciesExperian, XXXX, and TransUniondue to their failure to respond and delete the inaccurate collections accounts to multiple dispute letters I have sent and their ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. **Nature of the Complaint : ** - I have submitted XXXX separate dispute letters over the past year to each credit bureauExperian, XXXX XXXX and TransUnionregarding inaccuracies in my credit report, specifically related to multiple collection accounts that I believe have been wrongly reported. 
- The dates of these letters are as follows : - First letter : [ Date of first XXXX XXXX  ] - Second letter : [ Date of second XXXX ] - Third letter : [ Date of third XXXX ] - Despite my repeated attempts and providing necessary documentation, I have not received any substantive response from any of the bureaus. Nor have there been any corrections made to the inaccuracies reported on my credit file. 

2. **Legal Grounds : ** - According to Section 611 of the FCRA, these agencies are mandated to conduct a reasonable investigation of the items in dispute, typically within 30 days of receiving a dispute. Failure to do so is a direct violation of federal law.

- Additionally, under Section 623 of the FCRA, furnishers of information are required to provide accurate and complete information to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation