vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
My old car was reposed and sold at an auction. Well I recently received a letter in the mail stating that I need to reach out to XXXX XXXX Police Department because they have my old car. Apparently when it was sold at the auction the person never did register it in their name. Well XXXX XXXX Police Department want me to pay a fine for the car being their. I no longer have anything to with the car. I contacted my local tag office and they told me that the car is still registered to me in the system and shouldn't be. So I've tried reaching out to the finance company but they don't have a phone number or website. The company is not even registered to the XXXX. Like it's insane that these companies can just throw a balance on your credit and try to get away with it. Please help me because I'm not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to JPMCB AUTO to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that JPMCB AUTO being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
Dear CFPB and Wells Fargo Representative, I opened a Premier Checking account ( ending in XXXX ) at a Wells Fargo branch with XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX using promotion code XXXX. The banker enrolled my account in the " Open or Upgrade to a Premier Checking Account and Get a {$2500.00} Bonus '' promotion, and

Wells Fargos system accepted the promotion code and indicated eligibility at the time of enrollment ( see attached bank opening receipt ). Promotion Terms : I have attached a copy of the promotion terms, which state : " Eligibility Restriction : You are not eligible for this offer if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months Requirements : 1. Open or upgrade to a Premier Checking account by XX/XX/XXXX. 
2. Bring $ 250,000+ in new deposits to qualifying linked accounts within 45 days of account opening.

3.
Maintain at least a {$250000.00} balance through Day 90 after account opening.

The bonus should be paid within 30 days after meeting all requirements. '' Key Facts : Bonus Eligibility : My last Premier Checking bonus was issued on XX/XX/XXXX, more than 12 months before opening this account ( previous Premier Checking account closed on XX/XX/XXXX ). The terms explicitly state " Premier Checking bonus '' not other account bonuses like Everyday Checking or savings bonuses.

Promotion Confirmation : The attached account opening receipt confirms the promotion is available to my new Premier checking account and was applied successfully, and no system error indicated ineligibility.

Deposit & Balance Compliance : 1. Deposited {$250000.00} into my linked Wells Fargo Advisors account on XX/XX/XXXX ( within 45 days ). 
2. Maintained a XXXX XXXXXXXX balance through XX/XX/XXXX. 
3. No monthly fee charged : I have not been charged a monthly fee on my Premier Checking account, which requires maintaining XXXX XXXX in statement-ending qualifying balances. This confirms compliance with the qualifying balance requirement.

Key Dates : 1. Day 90 after account opening : XX/XX/XXXX 2. Bonus due by : XX/XX/XXXX 3. As of today ( XX/XX/XXXX ), I have not received the {$2500.00} bonus.

I have fully met all eligibility requirements and request a formal investigation into Wells Fargos failure to issue the bonus.

Attachments : 1. Promotion terms at enrollment.

2. Account balance screenshots.

3. Account opening receipt confirming offer application.

Thank you for your assistance.

Best regards,

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 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I submitted payments for multiple months in 2023 for my husband and I totaling about {$150.00} each month. Not much changed with our credit reports but I was promised by the rep that it could be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I told them it wasn't my debt and they are saying it is it should be removed it is illegal to report inaccurate information to my credit w/o my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am failing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB to action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts fare listed below as follows ; XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Account charged off. {$880.00} written off. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  I Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX XXXX account. {$440.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account.

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 2025-02-03 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 failing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB to action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts fare listed below as follows ; XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Account charged off. {$880.00} written off. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  I Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX XXXX account. {$440.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account.

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 2025-02-03 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: LA

Complaint narrative:
Late payments were reported incorrectly on my report was updated and corrected. Then placed back on my report with the incorrect information.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In my TransUnion credit report, there are several hard inquiries that I do not recognize or authorize. Below are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent a letter to TransUnion requesting the removal of these unauthorized inquiries, as I understand that under the Fair Credit Reporting Act ( FCRA ), only legitimate inquiries should appear on my credit report. In response, TransUnion invited me to call. I made several calls, but I did not receive a satisfactory resolution. Instead, I was told to contact the Federal Trade Commission ( FTC ).

Therefore, I am requesting that these inquiries be investigated and removed from my credit report if found to have been added without my authorization. I have attached a copy of my credit report with the inquiries in question highlighted for your reference.

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 2025-02-03 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: TX

Complaint narrative:
XXXX XXXX XXXX marked my XXXX credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from XXXX XXXX is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. I demand that XXXX XXXX XXXX investigates these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed. 3 ) The charge-off date. 4 ) The account number associated with the debt. 5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges. 6 ) Confirm whether or not the statute of limitation on the debt has expired. 7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. XXXX XXXX XXXX also needs to remove all negative derogatory markings on my credit scores from all 3 credit bureaus [ XXXX, XXXX, Experian ].

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 2025-02-03 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: Source Receivables Management LLC
State: GA

Complaint narrative:
I am filing this complaint because XXXX has reinserted a previously deleted collection account from Source Receivables Management without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, Source Receivables Management is reporting inaccurate account information, potentially re-aging the debt, and failing to provide proper debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) FCRA Violation Unauthorized Reinsertion of Deleted Debt ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) This collection account from Source Receivables Management was previously disputed and removed from my credit report. 
XXXX reinserted this account without providing me a written notice within 5 business days, which is required by law. 
If a previously deleted account is reinserted, the credit bureau must notify the consumer. XXXX has failed to do so. Furthermore, I requested debt validation from Source Receivables Management, but they failed to provide documentation proving that I owe this debt or that they have the legal right to collect it. 
Under the FDCPA, a debt collector must stop collection efforts if they can not validate the debtyet Source Receivables Management continues to report this debt. 
5. FDCPA Violation Attempting to Collect a Debt Without Legal Authority ( 15 U.S.C. 1692e ( 2 ) ( A ) ) If Source Receivables Management does not have a valid contract or assignment from XXXX, they can not legally collect or report this debt. 
They have failed to show any proof that they have the right to collect on this account. 
Requested Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the information in my credit report, as I have not provided written consent for you to furnish or obtain my information, nor have I authorized any third parties to request or access my credit file without my explicit written consent. This action appears to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which requires consumer consent for the furnishing or obtaining of consumer information. 
XXXX XXXX XXXX XXXX Description of Inaccuracy : Purchase agreement After reviewing my credit report, I have noticed that certain information has been included or accessed without my knowledge or permission. I would like to clarify that :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX I began to occur suspicious charges that were not authorized by a merchant who skimmed my card and began to utilize card informs on an unknown device. I have responded immediately after notifications from Barclays of unusual activity from multiple attempts to the card and they advised they were not able to block the card or put a stop payment to further transactions even though when the text message advised to respond 2 is this was not authorized. I called to confirm and their team did not follow protocols. Leading to the theft of purchases that continued and could have been stopped. They are holding me responsible for their actions they failed to protect me as a customer.

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 2025-02-03 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ].

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance.

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities.

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

Sincerely, XXXX XXXX XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I've disputed with the credit reporting agencies and requested information directly with the data furnishers and both have failed to respond.

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 2025-02-03 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I want this off my credit report immediately! They agreed to take it off my credit report but never took it off. And never got my vehicle back and never helped to fix my loss or help get my vehicle back.

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