vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Recovery Services, Inc.
State: NC

Complaint narrative:
Southwest Recovery Services XXXX XXXX, Texas, submitted a false address to my XXXX credit report. 

The false address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no affiliation with this address, any nearby address, or any address in Texas. I have never lived in nor leased property anywhere in Texas. 

XXXX will not allow me to dispute the address because it was reported by Southwest Recovery Services. 

I also have no affiliation with Southwest Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: OH

Complaint narrative:
I am writing to express my dissatisfaction with Experian 's handling of my credit report disputes. The investigation results dated XX/XX/year>, assert that the information reported by the companies is accurate. However, this contradicts my attempts to rectify inaccuracies with XXXX XXXX XXXX. 

I filed a complaint against XXXX XXXX XXXX with the CFPB, but the complaint was closed with a redirection to the XXXX XXXX XXXX XXXX, without providing necessary contact information. This lack of guidance has hindered my ability to address the issues with XXXX XXXX XXXX. 

A similar issue arose with XXXX XXXX XXXX, where my dispute was returned as undeliverable despite using the address listed on my credit report. This raises doubts about the accuracy of the information Experian claims to have verified. 

Furthermore, a complaint was filed against XXXX, Experian 's vendor for public records, which went unanswered. The absence of a response from XXXX further underscores the inadequacy of the verification process Experian claims to have undertaken.

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 2024-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yes Online Inc
State: IL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX. I was in XXXX for a training rotation and went to the cell service provider on base in XX/XX/2021 ( XXXX  ). I was going to buy a SIM card but was informed that it would not work in XXXX. I did not continue with the transaction. Some months later ( XXXX XXXX ) I noticed a debt collection on my credit report. I was never contact by XXXX  prior to this. I reached out to the company listed on the collection. They sent me an invoice. I asked for proof of the debt. They sent me the same invoice again. I reached out to XXXX to see if they had a contract. I never signed a service contract, just an agreement that I understood the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 XXXX  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 XXXX  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 2024-02-05 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: 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 XXXX  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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THERE WAS FRAUD ON MY CREDIT & I ALSO NOTICED A HARD INQUIRY THAT I DID NOT CONSENT OF FROM " XXXX XXXX XXXX XXXX'.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My account was taken over from Great Lakes Borrow Services by Nelnet after the government decided I didn't deserve any loan forgiveness. Nelnet decided that since my loans are XXXX different loans that I required XXXX loan dates which are XXXX days apart. I find that annoying and unnecessary so all that I want them to do is to make the due date the same on either the XXXX of the month or the XXXX of the month. They do not have an option on their site to let you request a new due date. So I emailed on XX/XX/XXXX. Then after not receiving any response for a month-I emailed again on XX/XX/XXXX. It has been nearly another month and I still have received XXXX response from this company. Why are they servicing my loan without any customer service? This is insane and ridiculous. My request isn't even that difficult. I feel bad for people that need something more in depth as I am sure they, too, are not being assisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
In accordance with th

e Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate.
This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated 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. I have attached and highlighted the accounts incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: DE

Complaint narrative:
In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. 
The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. 

This is grounds for removal due to a violation of my rights under XXXX XXXX XXXX XXXX XXXX Section XXXX A stated I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX Section XXXX A Section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

I have attached and highlighted the accounts incorrect.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I disputed a transaction with USAA back in XXXX! At first they denied the credit and then later on this past XXXX they gave me the {$1000.00}, back to me but they never took the balance out of my account balance. So basically it shows on a statement but never took it off of my credit card balance. Also they fraudulent put the credit supposedly back in XXXX when the dispute was reopen in XXXX which is very strange to me because then the credit should show in XXXX statement not XXXX. I really need some one to look into that because they show it on my statement but never credit the {$1000.00} dollar to me on my account balance and my account summary and balance prove that. If that was credited I wouldnt still have {$1000.00} shown on my account l.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: SC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
i sent in a police report about these inquiries on my file and they refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 XXXX 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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, I am writing to file a complaint against Wells Fargo Bank for not handling my dispute properly. I have tried to resolve this issue with the bank, but they have declined my dispute and closed the case without providing a satisfactory explanation.

Here are the details of my dispute : - Dispute Number : XXXX - Date Posted : XX/XX/2023 - Merchant Name : XXXX - Amount of Transaction : XXXX - Card Number : XXXX - Status : Closed - Dispute Declined I initiated this dispute on XX/XX/2023, after I noticed a fraudulent charge on my credit card statement from XXXX, a merchant that I have never used or authorized. I contacted Wells Fargo Bank immediately and reported the unauthorized transaction. They told me that they would investigate the matter and get back to me within XXXX  days. 

However, on XX/XX/2023, I received a letter from Wells Fargo Bank stating that they have declined my dispute and closed the case. They claimed that they have verified the transaction with the merchant and that it was valid and authorized by me. They did not provide any evidence or documentation to support their claim. They also did not explain how they verified the transaction or why they ignored my request for a chargeback.

I am very disappointed and frustrated by Wells Fargo Bank 's handling of my dispute. They have failed to protect me from fraud and have violated my rights as a consumer. They have also damaged my credit score and caused me financial hardship.

I request that Wells Fargo Bank reopen my dispute and reverse the fraudulent charge of XXXX from my credit card account. I also request that they provide me with a written apology and a detailed explanation of how they reached their decision. I expect Wells Fargo Bank to comply with the Fair Credit Billing Act and the CFPB 's rules and regulations regarding dispute resolution.

I have attached copies of my credit card statement, the dispute letter, and the decline letter from Wells Fargo Bank for your reference. Please review my complaint and take appropriate action to ensure that Wells Fargo Bank corrects their mistake and compensates me for the harm they have caused me.

Thank you for your attention and assistance. 

Sincerely, 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I pulled my credit report and an account to Flagship credit acceptance is showing past late payments in my credit history. I sent a letter to all XXXX major credit reporting agencies to dispute the accuracy of the account and asked them to provide proof of the late payments that are being reported in XXXX. These letters were sent via certified mail on XX/XX/XXXX and to date I have not been provided with the information requested nor has the item been removed from my credit report.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I went on the car purchasing website Carvana and attempted to purchase a vehicle. Everything went smooth. Everything was doing what it was supposed to do until the very end in which Carvana tried to effectively lie and gain illegal access to my bank account for purposes of verification. However, this is not what I consented to nor is it what Carvana does. I feel deceived and lied too and I feel my financial information is at risk. I have attached a screenshot of the exact verbiage and wording and how they intend to verify my bank account. In the verbiage it says that they are going to obtain a credit report from a consumer reporting agency. It says nothing about looking at my bank account looking at the balance in my bank account, transacting on my bank account including making decisions on purchasing a vehicle. It says that they are going to obtain a credit report from a consumer reporting agency to verify that I have a bank account, thats not what theyre doing. I consented to Carvana obtaining a credit report from a consumer reporting agency. Not deceptively gain access to my banking information and other sensitive financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX 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 XXXX  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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: 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 XXXX  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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I attempted to make a Cash deposit at WF drive thru, since the ATM is usually out of order. After quite the wait, I noticed that the very manager that has exercised complete disregard for the fact that I am the only Active member on this account for the past 10yrs, is still discriminating against me. When I stated to the window clerk that 'this is the only branch where I've had this problem '', she suggested the ATM, that usually isn't operating! Thankfully. I made the ATM deposit but was in disbelief of this managers constant behavior, as reflected in this report. 

On this date, XX/XX/XXXX, I attempted to deposit a check made directly to me in the sum of {$4600.00}. 
After much back-and-forth contemplation, the rude WF manager sent me to the bank of which check was drawn in order for them to sign. I did so, though it seemed quite unnecessary. 
It should be noted that not once did he smile, introduce himself, or be humanly kind to me in any way whatso-ever. Rather, he seemed to writhe with enjoyment of rejecting my deposit due to " bank rules ''. The slightest indication of any morals and integrity towards me would have made it into an understandable experience. Rather, I was treated as an illegitimate customer and criminal. For a kind, peaceful, smiling soul as myself this behavior was quite troubling coming from CUSTOMER SERVICE!

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