vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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 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 fraudulent and and inaccurate information. 

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 2024-12-11 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-12-11 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: TX

Complaint narrative:
This is my 3rd attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had signed up for the Wells Fargo {$300.00} checking bonus on XX/XX/year>XXXX  which showed clearly my accounts eligibility to receive this offer and I completed the initial direct deposit requirements on XX/XX/year>XXXX  ( within the 90 day timeframe they required ). I followed up with Wells Fargo customer service on XX/XX/year>XXXX  to verify my eligibility and was told my account was on track to receive this bonus. On XX/XX/year>XXXX  I call in again to verify when I will be receiving the bonus and am now being told my account is not eligible to receive this bonus due to me not being a new customer.. my previous Wells Fargo account was closed several years ago and in the fine print of the bonus requirements it clearly states the following : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 
You are a Wells Fargo employee. 
Now, I was not a current owner a Wells Fargo checking account, have not receive a bonus in the past 12 months, and I am not a Wells Fargo employee. 

This is deceitful practice and I have screenshot confirmations of this bank stating my account is eligible for this bonus only to switch up last minute, I escalated this issue and was not helped any further.

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/year> a zelle payment was made to XXXX XXXX for {$2000.00}. This payment was not made by either person on our account. XXXX says the zelle payment was accessed via fingerprint online. I'm the only one with fingerprint access and I did not approve or send this zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : Please remove these immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called Bank of America on XX/XX/year> to pay off my credit card. I spoke with XXXX XXXX. She gave me the payoff amount {$2600.00}. I paid the amount using my XXXX XXXX debit card. I was given a confirmation number and was told she would call me the next day and I would be able to close my account at that time. She never called. 
I became curious, looked online and saw that there was no pending transaction.

I called again, spoke with some rude person, she said takes 24-48 to process. I told her should show it has been paid even if it is " processing '' my payment was immediate. She hung up on me. I called back and couple of other times and apparently, Bank of America uses remote work from home agents, after 4 other calls, rude, hang ups etc. I gave up. 
I called XX/XX/year> and spoke with XXXX and was informed that the payoff was applied to the wrong account. It was applied to an account of mine that has been closed for more than 2 years. He said he would complete a form and it would be immediately transfered and applied to the correct account. I expressed my concern because by this time I had received a late notice and was concerned this Bank of America error would affect my credit rating. He assured me I would not receive any furture late messages and everything would reflect the bank error. On XX/XX/year> after receivig another late payment email from Bank of America, I logged in and saw that the {$2.00}, XXXX deposit into the closed account was withdrawn on XX/XX/year> and still has not been applied to pay off the credit card balance. I called Bank of America and spoke with XXXX and he confirmed this all to be true and would complete another form and it should be resolved in 7-10 days. Meanwhile Bank of America has the money I paid to pay the card off and has still not applied it to account and I am still receiving late notices.

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 2024-12-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: AL

Complaint narrative:
XXXX credit is reporting a balance of {$180.00} for a item/ line of credit that I didn't get. XXXX credit is not a real line of credit! they add trade lines to credit to raise the credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX 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 2024-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
XX/XX/XXXX called customer service regarding refund to my card. found out a hold was on my card and needed to contact merchant for Fortiva to process the refund. Called XXXX XXXX found out there was no hold to process. Called Fortiva back let them know that the order had been canceled immediately so there was nothing to process. they said there was nothing they could do. they then said that my card was suspended I asked why. they could not give me an answer. they said someone would get back to me in 24 to 48 hours.

XX/XX/XXXX. I called Fortiva to see if I could get more answers. They transferred me. They said my card was suspended because they needed to verify me and to send a selfie of me holding up my license next to my face. I asked why was the card suspended, and why did they need the selfie, they said again to verify. no other clarification. 
XXXX. I called Fortiva again. this time I spoke with Fraud Supervisor. I asked Her to review the notes from the previous days and to please provide more details as to why my card was suspended. she said the account needed to be verified. she also mentioned that the 24 to 48 time period would not begin until Monday. I had mentioned that I was waiting to hear back for the reason why by phone or email and that it should be by the end of the day. she said it would not occur. Tuesday would be the latest. 
XX/XX/XXXX. As I write this today at XXXX I have not received mail, email, text, phone call, any form of communication from Fortiva about the details of this suspension of the card. I called again today, spoke to the Fraud supervisor XXXX, ID number XXXX who repeated the same message. Needs to be verified. I asked when the card was suspended. he mentioned it was suspended on XX/XX/XXXX. I mentioned to him that on the XXXX I had a purchase that got canceled by XXXX XXXX using the Fortiva Card, because they were not able to contact me to verify me to make sure I was making the purchase. I thought it was odd because they never did that before. and they had the correct info on my account to reach me. the other thing I noted was that on XX/XX/XXXX I made a purchase for the exact same Item using the Fortiva card, even though it was supposedly canceled. I even called XXXX XXXX to make sure I verified myself prior to the purchase just so they wouldn't cancel the item again. 
I brought this to the Supervisors attention and he made no further effort to resolve the issue, look into the claim I had made, nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for 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 explanation
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2024-12-11 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-11 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: IL

Complaint narrative:
Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for 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 2024-12-11 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:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-12-11 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: CA

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXXXXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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