vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the fair credit reporting act Navy Federal Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very disappointed with XXXX and Equifax, very disappointed with Equifax and XXXX. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in XXXX day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very disappointed with XXXX and XXXX, very disappointed with XXXX and XXXX. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in XXXX day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments

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 2024-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report is not accurate, such as incorrect addresses. I have not lived at these addresses. I am a victim of identity theft. Also, I have filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report is not accurate, such as incorrect addresses. I have not lived at these addresses. I am a victim of identity theft. Also, I have filed a complaint.

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 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I find out a multiple late payments in my credit report by XXXX bank on all three major agencies. XXXX, Transunion and XXXX. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I find out a multiple late payments in my credit report by XXXX bank on all three major agencies. XXXX, XXXX and Equifax. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: MI

Complaint narrative:
I never had a loan with this company they have stolen my identity and reporting negatively on 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 explanation
Consumer complaint received 2024-12-15 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: MI

Complaint narrative:
I never had a loan with this company they have stolen my identity and reporting negatively on 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 explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I've delivered tender to offset the debt obligation for the XXXX  XXXX XXXX full accord and satisfaction, they are unlawfully converting credits and breaching fiduciary duties. I'm the beneficial interest holder to the account and on numerous times I've express mail the check but it's not being applied. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: MS

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 has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate 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 2024-12-15 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: NY

Complaint narrative:
This is an erroneous account that is in my name. I have never had an account with XXXX XXXX and this is ruining my credit score. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my credit score had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to XXXX XXXX that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.

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 2024-12-15 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: NY

Complaint narrative:
This is an erroneous account that is in my name. I have never had an account with XXXX XXXX and this is ruining my credit score. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my credit score had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to XXXX XXXX that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is an erroneous account that is in my name. I have never had an account with XXXX XXXX and this is ruining my credit score. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my credit score had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to XXXX XXXX that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently opened an American Express credit card account. I was performing as agreed. One day I go to my app and it said " account cancelled ''. I called to ask why, and they said it was withing their rights and did not have to tell me anything else. 
America Express has done this twice before to me. 
I am a felon, who completed his sentence about a year ago. The only thing I can think of is that is the reasons they closed my account. But I just don't know. 
I need to find out why they closed my account and see if it is something that can be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I noticed Im being charged interest on payments I already made. This was not explained to me before signing up. Care credit is using predatory lending practices on patients in distressed situations. The interest rate is already 30 % which is higher than my state legally allows which I researched later. Please be aware and know your consumer rights first.

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 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Account Removal and Clarification Dear Sir/Madam, I am writing regarding an account that has been reported as charged off but continues to appear as open on my credit report. The account in question is [ Account Number XXXX and is listed under the name of XXXX XXXX XXXX. 

This inconsistency is misleading and damaging to my credit profile. An account can not simultaneously be charged off and remain open, as this creates a false representation of my financial obligations. Additionally, I did not authorize the transfer or sale of this account to a third-party collection agency, such as XXXX XXXX XXXX XXXX For these reasons, I am requesting that this account be removed from my credit report immediately. 

Please confirm the following in writing : 1. The current status of the account with XXXX XXXX XXXX. 


2. Whether XXXX XXXX XXXX has legal ownership of the debt. 


3. Verification that this account has been accurately reported by XXXX XXXX XXXX. 



I trust you will address this matter promptly and provide a response within thirty days. If this issue is not resolved, I will have no choice but to escalate the matter by disputing it directly with the credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation