vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( XXXX ). 
Despite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.

Please consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.

I expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> we entered into a purchase agreement for a XXXX XXXX for my business with the ( merchant ) XXXX XXXX XXXX XXXX XXXX this machine was advertised as having a 45 day delivery time along with the merchant confirming this with me multiple times, on XX/XX/XXXX the merchant was paid a deposit of {$7000.00}. 

On XX/XX/XXXX i inquired with the merchant on the time frame of delivery and they told me it was going to take longer, at this point i requested my refund as they weren't going to be able to make the agreed upon delivery date, to which the merchant denied but then told me if we paid more for an upgraded machine it would arrive 5-10 days sooner than the agreed 45 days, to which I agreed and paid the updated {$2000.00}. 

multiple ties throughout this time frame I reached out to the merchant asking about dates, he lied with fake promises each time. 

fast forward to XX/XX/XXXX, I contacted the merchant asking them to sell the machine to someone else or give me a refund as we are well past our 45 days at this point and I have no updates or knowledge that the machine even exists. the merchant then denied the refund, at which point I decided to file a chargeback with Citibank. 

it was not until XX/XX/XXXX that the merchant sent me pictures of the machine and told me it was ready to ship, this is 80 days after making the order with them and double the agreed upon 45 day time frame, add shipping into this and its now over 100 days to receive. 

I supplied Citibank with all of the evidence of this ( more than enough to see my claim was justified ) and they decided to deny my chargeback and claim, Citibank has since made me pay back the {$9000.00} as they charged it right back to my card. 

to this day I am still out {$9000.00} and have no XXXX XXXX  The next step for us is getting lawyers involved but I decided to go through this channel 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 monetary relief
Consumer complaint received 2024-12-19 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: KY

Complaint narrative:
I have no knowledge of these accounts, they have been placed on my consumer report without my knowledge these are all fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: KY

Complaint narrative:
I have no knowledge of these accounts, they have been placed on my consumer report without my knowledge these are all fraud

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 2024-12-19 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-19 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
15 USC 1692c is a fair debt collection law that prohibits a debt collector from communicating with a consumer in connection with the collection of any debt without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 

I have a collection from midland credit for {$2000.00} and I haven't received any confirmation that I owe the debt. 

I'm asking for it to be removed as the company has not followed any FCRA guidelines or regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$910.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-19 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXX/XX/year> Trans Union, XXXX, and XXXX have 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 : It also 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 report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates 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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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  Experian, and XXXX have 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 : It also 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 report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates 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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I purchase a new Nissan XXXX in XXXX. The regular payment is {$420.00} and they are due on the XXXX of each month. 
My first payment in the XXXX app was {$450.00} in XXXX. It indicated all additional money paid would go toward principal. It did not. 
I ended up with a {$23.00} credit. 
I found that if I logged into my XXXX account online instead of using the app, I can designate a principal only payment. 
My next payment in XXXX, I paid only the {$420.00}. Then made a separate {$23.00} principal only payment. ( they can not be made on the same day ) All was good. 
In XXXX, I paid {$420.00}, the regulary payment early, on XX/XX/XXXX. 
I now had a credit of {$450.00}. The {$23.00} from XXXX plus the regular payment due on XX/XX/XXXX, but paid early. 
I called Nissan on XX/XX/XXXX. XXXX said the payment will credit on XX/XX/XXXX. I said, no, I pay early in order to save interest over the course of the year. He said Nissan is aware of the glitch and is fixing it. 
I then had him take the {$23.00} still showing as a credit and pay it toward principal. He explained it would take several days ( not sure why ). 
Well, as of today, XX/XX/XXXX, I have a {$420.00} credit and my XXXX payment is showing unpaid. AND the {$23.00}? It is listed as " regular payment '' not a principal only payment, as is the principal only payment of {$23.00} I made on XX/XX/XXXX. 
XXXX should be applying principal only payments to PRINCIPAL at the time they are made, it should not show up as a " regular payment. '' Also, payments made early need to be applied WHEN THEY ARE PAID for the purpose of reducing overall interest paid. 
I feel this is a dishonest business practice. I am XXXX years old and have had many auto, home, and other credit loans throughout my life and I have never seen this before. 
I thought this should be reported and looked into because if it is happening to me, its certainly happening to thousands of others, too. 
Thank you for you assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MO

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 606B ( 15 U.S.C. 1681c-2 ) that Equifax, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of receiving this complaint. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documents to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: LEXISNEXIS
State: PA

Complaint narrative:
Lexis Nexis I opt out years ago and updated my opt -out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I'm a Wells Fargo customer who recently ordered {$30000.00} worth of euros on behalf of my co-account holders, who live in XXXX, in XXXX XXXX. 

On XXXX XXXX, I went to the branch near where I live in Virginia to order them and was told there would be no fees associated with this transaction. Because the dollar amount exceeded the branch 's limit, I had to order the euros online. The official exchange rate on XXXX XXXX was {$1.00} for XXXX euros. 

I picked up the euros at the branch on XXXX XXXX and later that XXXX  noticed that the exchange rate Wells Fargo used was {$1.00} for XXXX euros. I was surprised by the discrepancy, and, assuming an error was made, I called Wells Fargo on XXXX XXXX and was told by a customer service representative that the bank " uses its own exchange rate. '' This was the first I learned of this. Wells Fargo 's exchange rate cost my co-account holders XXXX euros, or {$1500.00} -- essentially a XXXX upcharge. 

As far as I'm concerned, this constitutes a misrepresentation, a failure to disclose and a lack of transparency. Not telling customers that Wells Fargo uses foreign currency exchange rates that exceed the daily rate is, in my opinion, a violation of the bank 's fiduciary duty. Transparency laws, such as the Truth in Savings Act, Unfair or Deceptive Acts or Practices and the Dodd-Frank Act, generally require banks to inform customers of any and all costs affecting the transaction. That didn't happen in my case. No one at the branch told me to expect it, and I saw nothing online when I ordered the euros. 

My wife is a longtime XXXX XXXX and XXXX, and her industry requires her to communicate all fees to clients, or face fines and other disciplinary measures if she fails to do so. 

Wells Fargo 's failure to mention that uses its own foreign currency exchange rate is a failure in communication. 

The bank needs to do a better job of telling customers how it makes money on foreign currency exchanges so they can make informed decisions. Failure to do so should lead to consequences.

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