vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
To Whom It May Concern, Im writing to dispute some information regarding my student loan thats currently being reported by XXXXDepartment of Education on my credit report. After reviewing my report, I believe there are inaccuracies that need to be addressed, and Id like to request your assistance in resolving these issues. 
Informed Use of Credit According to 15 U.S. Code 1601, its crucial for consumers like myself to be fully informed about the terms of any credit we take on. Unfortunately, I dont feel that I was provided with clear and complete information about the terms of my student loan when I initially agreed to it. This has led to decisions that I might not have made had I been better informed.

Protection of My Personal Information Im also concerned about how my personal information is being handled. Under 15 U.S. Code 6801 and 6802, financial institutions are required to protect my nonpublic personal information and ensure that Im given a clear opportunity to opt out of sharing this information with third parties. Im not certain that this was done in my case, and Im worried that my data may have been shared without my full consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Delete the late payments from my consumer reports 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I opened a Wells Fargo Everyday Checking account on XX/XX/XXXX. It had a {$320.00} opening bonus which required direct deposit of XXXX XXXX within 90 days. Terms stated that bonus would be paid within 30 days of the 90 day qualification period ( so, by day XXXX ). I received an email after account opening confirming that I was eligible for the bonus. I made a direct deposit of {$1000.00} via my employer paycheck on XX/XX/XXXX. As of XX/XX/XXXX ( 134 days after opening the account ), I have not received the bonus. 

I called Wells Fargo on XX/XX/XXXX to inquire about the missing bonus. Agent stated that I was not eligible to receive the bonus because I was an existing customer when I opened the account on XX/XX/XXXX. This is not true. I had a Wells Fargo account previously, but it is now closed. 

I looked up the bonus eligiblity terms on Wells Fargo website : 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. 

I was not a current owner of a Wells Fargo consumer checking account as the previous account was closed on XX/XX/XXXX. I had not received a bonus for opening a WF checking account within 12 months - previous bonus from WF was on XX/XX/XXXX ( more than 12 months before opening the current account ). I am not a Wells Fargo employee. 

The agent I spoke with said that I am considered a " current '' customer due to the account that was closed in XX/XX/XXXX. My definition of " current '' is " now, '' not " sometime in the past '' and I imagine most consumers would agree. 

Bottom line- I met all Wells Fargo eligibility requirements as stated on their website and I met the terms of the bonus also as stated on their website. I should be paid what I was promised.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to urgently address a critical issue regarding my credit report. Recently, the Social Security Administration announced that every American 's Social Security number has been compromised due to a hacking incident. Since this announcement, I have discovered that my credit report is entirely false, containing numerous inaccuracies related to credit cards, loans, and other financial accounts.

The entirety of my credit report is incorrect and does not reflect my actual financial history. This situation has caused me immense distress, including significant XXXX, XXXX, and financial XXXX. I can not overstate the urgency of this matter.

I demand that you conduct an immediate review and wipe my credit report clear of all false information associated with my Social Security number. Furthermore, I instruct you not to add any new information to my credit report until you have contacted me first to verify its accuracy. If I do not confirm that the information is accurate, it must not be added to my credit report.

For your reference, I have attached a letter from the Social Security Administration confirming this breach.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I am writing to urgently address a critical issue regarding my credit report. Recently, the Social Security Administration announced that every American 's Social Security number has been compromised due to a hacking incident. Since this announcement, I have discovered that my credit report is entirely false, containing numerous inaccuracies related to credit cards, loans, and other financial accounts.

The entirety of my credit report is incorrect and does not reflect my actual financial history. This situation has caused me immense distress, including significant XXXX, XXXX, and financial XXXX. I can not overstate the urgency of this matter.

I demand that you conduct an immediate review and wipe my credit report clear of all false information associated with my Social Security number. Furthermore, I instruct you not to add any new information to my credit report until you have contacted me first to verify its accuracy. If I do not confirm that the information is accurate, it must not be added to my credit report.

For your reference, I have attached a letter from the Social Security Administration confirming this breach.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I disputed this debit at least XXXX times with all three credit bureaus and each time it comes back as 'verified ' and they will send me old statements. The statements are to addresses that I have never lived it as these debts are not mine. 

They will not provide further proof that it was actually ME, no identification was used so it's essential there word against mine and their only proof is the statement. No application or anything. This debt is not mine. I personally did not apply for or use this card. That's why whoever did only maxed it out and never made a payment as it was a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX SS # XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX SS # XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address is 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 2024-08-15 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
My ex wife used my information to open a XXXX account and i guess she didnt pay it. She is using my information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX  I have never been late on payments on the account : XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MA

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Chime Inc.
State: MD

Complaint narrative:
I made plenty of transfer with send wave, according to sendwave via a mail sent to me, Under the consent order, i am entitled to a refund of fees charged by Sendwave on XXXX or more of your transfers According to sendwave, XX/XX/year> Sendwave entered into a consent Consumer Financial rotection Bureau ( CFPB ) titled In re : Chime, Inc. d/b/a order with the XXXX, File No. XXXX. The consent order is available on the CFPB 's website at https : XXXX According to send wave I was suppose to get a refund cheque of {$14.00}. This check was never sent to me. 

I did alot more transfer which was charged with sendwave. None of the refund was send to me. Rather they sent me a letter claiming they sent me a cheque which is not true. 

I have contacted them twice and nothing has been done. 

Kindly look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I had opened a business account with Relayfi. A few months later they informed me that they were doing an update from XXXX to XXXX. Since I did not go ahead with the transfer from XXXX to XXXX, they closed my account and informed me that they will be sending me the funds from my account as a check to my home. However, XXXX  months later I am still running in circles and unable to get my money from them

Company response to consumer: Closed with explanation