vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect 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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon review of my consumer reports XX/XX/year>, I noticed that there was an account furnished by XXXX XXXX on my consumer reports. The accounts are being reported to EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Dear CFPB, I need your help and I am writing to file a formal complaint against I C System Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. It has come to my attention that I C System Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes.

Specifically, I C System Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. I C System Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. I C System Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. I C System Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. I C System Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

I demand that I C System Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if I C System Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against I C System Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Freedom advertised 5 % back on travel including hotels and resorts. I paid for {$1500.00} to a vendor called " XXXX XXXX XXXX '' ( changed for privacy ). Chase told me " XXXX XXXX XXXX '' registered as " XXXX XXXX '' and not " Travel ''. It should be on Chase to ensure I receive the promised 5 % for " Travel '' categories despite how the vendor decides to register. 

How could I have known that a " resort '' would not be " Travel ''? This model is misleading to the consumer. I have made mistakes with this card before, and I can no longer be tempted to use it. I will take the hit on my credit rather than have this card. Overall, it has caused me more stress trying to follow the strict rules than enjoying the rewards service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-15 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: DE

Complaint narrative:
All three credit bureaus are reporting a collection account with XXXX XXXX that is a medical bill and by law is not permitted to impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: PR

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo account for many years. In 2013 I was in XXXX XXXX. for a court date .Court was out after the bank closed. It wouldnt take my deposit. I called the bank and they wouldnt give me a reason, the male person who was rude said I must go in bank. Tried to explain that my son in law who was a XXXX XXXX was XXXX  and I had to be in court, and was unable to make it. I didnt want to be overdrawn and I explained, I would be. He said he couldnt help me. I was in court for 2 weeks. When I got home I was overdrawn with lots of charges. I tried to explain to the bank in XXXX XXXX I was told they couldnt help me my account was flagged. I also had a life insurance policy I had paid on for years with the bank, I lost that also. I never understood what happened nor did they give me an explanation. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I closed my business checking account with US bank and wired my money out. 

I was not told there were any fees for this. 

After the money was moved, I called and closed the account. It was closed without issue and no notice that I owed any money. 

1 month later I received a bill from US bank for a wire fee ( {$40.00} ) and wire advice mail ( {$12.00} ) totaling {$52.00}. 

I called US Bank to ask about the fees and why they weren't disclosed prior to closing the account. If I had known, I would have done an ACH. 

They told me the wire fee is standard and the wire advice mail was the cost for mailing me a letter to say I had done a wire. Note this is after the account had been closed. Also the fact that US Bank is charging {$12.00} to mail a letter that could be sent electronically is a joke. The mailing letter fee is a total junk fee that I never consented to. 

All fees need to be disclosed prior to closing.

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 2024-04-15 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
Capital one submitted inaccurate information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
This is my 4th dispute with this creditor. 

I have called them multiple times asking them to remove XXXX my old XXXX loan provider from my credit report as my XXXX  loan provider is XXXX as of XX/XX/2023. I have provided XXXX the letter that XXXX mailed me proving that my XXXX loans have been transferred. I have provided images also providing that my XXXX loans have been transferred from XXXX to XXXX. 

I have called XXXX asking them to get on the phone with me and have a 3 way call with XXXX to confirm that XXXX is no longer my XXXX loan provider and I have a {$0.00} balance with XXXX and every time, XXXX says they do not have anyone available to do the phone call with me but they will have a supervisor call me back and they have continuously failed to call me back and join a 3 way phone call with me, XXXX, and XXXX. 

I have a {$0.00} XXXX loan balance with XXXX. XXXX has updated my XXXX  loan balance to ONLY show XXXX. I do not understand how XXXX can not explicitly see that I have a {$0.00} XXXX loan balance with XXXX and that XXXX is my ONLY XXXX loan provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Tower Loan are being reported as inquiries on all credit reports. I do not recognize any of these and did not give authorization.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX JP Morgan Chase Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite contacting this Chase Bank branch and taking recourse through my own bank, XXXX, as advised by Chase Bank representatives, there has been no remedial action undertaken by either institution. 

The check in question, amounting to {$5000.00}, was stolen and not endorsed, yet it was erroneously allowed to be deposited at the Chase Bank branch mentioned above. The check fraud was reported within the quarter. I have been trying to resolve the issue for over 2 months. 

When I visited the Chase Bank branch in person they claimed to be in agreement that the check should have never been deposited as it is clearly unendorsed, but that unfortunately I would not be able to file a claim myself within their branch as I am not a Chase customer and that I would have to file a claim within my own bank. I have done so with my bank, XXXX, and XXXX representatives have now come back and told me there is nothing they can do as Chase is not cooperating and XXXX is refusing to pursue the matter further. 

I would like to file a complaint against both institutions. Against Chase Bank for depositing an unendorsed check and then when alerted refusing to correct the issue. And one against XXXX for failing to represent their client when there was clear fraudulent activity taking place. XXXX even went as far as stating that they " condone this illegal activity '' on a recorded phone call with the company and myself on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: LEXISNEXIS
State: NV

Complaint narrative:
I have sent out letters for these errors to be fix and they have not yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I have not heard back from you in over 30 days since my formal written notice of dispute dated XX/XX/2024 ( copy enclosed ), and you have not supplied the demanded proof of the alleged debt. 

Under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. 

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX XXXX is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.

Company response to consumer: Closed with non-monetary relief