vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe 763 .

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
My accounts 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 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 2025-02-19 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Tried to speak with merchant to get them to honor original price as agreed, no success. Attempted to dispute transaction with Chase credit card, was denied and not given a valid reason why they deemed it legitimate. A summary of the transaction disputed is below : I originally purchased a XXXX on XX/XX/XXXX ( XXXX # XXXX ), which was cancelled by XXXX through no fault of my own. My account and credit card were both in good standing and did not decline payment, so there was no reason this should have happened in the first place. I was told to repurchase the XXXX, and saw that the total price was now {$400.00} vs the original {$230.00}. I confirmed multiple times with the chat agent ( XXXX XXXX ) that the same price would be honored. I went ahead and purchased it, and then reached back out for the adjustment. I communicated with XXXX, who went back and forth on giving a clear response, and then finally stated that a XXXX was reviewing it and I would receive an email response within XXXX hours. Currently it is about XXXX hours over the promised time, and I still have yet to receive a response. I do also want to note that both conversations were quite difficult, and took several times before they understood my issue. They seemed to overlook key details I was providing and instead giving a canned response. Given I have this agreement in writing, I am requesting the {$160.00} be refunded as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I opened a high-yield savings account online with Openbank by Santander on XX/XX/XXXX. I made an initial deposit of {$1000.00} to open the account. However, after being unable to access my account both on the mobile app and on a browser due to multiple technical malfunctions of their system, I decided to close the account and get my money back. They required that the money be sent to me by check, and the woman I spoke to on the phone to close my account informed me that it would take 20 business days for the check to arrive at my address. I waited 20 business days, but no check arrived at my address. I called them to ask where my money was, but the man i spoke to said the account was closed and the check should have been sent to my address, which i reinformed him that it was not at my address. He said he talked to a manager and was able to get the check resent, and that the new check would take about 7 business days to arrive. I waited over 7 business days but again, the check did not arrive in my mail. I called for a third time. I was able to get the " case reference number '' from my previous call ( # XXXX ) and the man i spoke with said they would overnight a check to me and it would arrive either XX/XX/XXXX or XX/XX/XXXX. I waited until XX/XX/XXXX and still, the check did not arrive in my mail. I have been waiting for Openbank by Santander to return my {$1000.00} for over XXXX months and calling them is not resolving the issue. I am unsure what they are doing with my money and they do not give me any information when I ask for details about my " closed '' account. I have uploaded a copy of my bank statement showing a withdrawal by Openbank of {$1000.00} on XX/XX/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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Amex serve debit account failed to honor there banking agreement after my money was stolen I have filed arbitration with the XXXX XXXX XXXX and they have not paid there portion of fees or respond in any way they have breached both the arbitration agreement as well as the user agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
I am a victim of Identity theft and accounts that were not mine were opened and used in mu name. I have submitted my FTC report attesting to this and have listed the accounts.The following accounts are a result of fraud and should be deleted according to 15 U.S.C 1681 b ( c ). I have no knowledge of the following inquiries, nor have I ever given permission whether verbally or physically for the following companies to access my credit report. These entities do not have permissible purpose to pull my credit report, and they are fraudulent as I have been a victim of identity theft before. Please remove the following inquiries immediately as my rights have been violated.

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 2025-02-19 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: CT

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Fraudulent Accounts, Fraud Block Removal, and Address Update Dear Consumer Financial Protection Bureau, I am submitting this complaint to dispute three fraudulent accounts that have been added to my Equifax credit report, as well as to request two additional corrections to my credit file. Below are the details : 1 ) Fraudulent Accounts Removal I am requesting the immediate removal and permanent blocking of the following fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulently assigned on XX/XX/XXXX XXXXREDIT COLLECTIONS Fraudulently assigned on XX/XX/XXXX XXXX  Fraudulently assigned on XX/XX/XXXX These accounts were opened without my authorization and are a result of identity theft. Under federal law, Equifax must block and remove these items from my credit report once sufficient evidence is provided. 

2 ) Fraud Block Removal ( NOT Fraud Alert Removal ) On XX/XX/XXXX, I was informed by an Equifax representative that a fraud block has been placed on my file. This fraud block is causing me issues with financial transactions, and I am requesting its immediate removal. However, I do not want to remove my fraud alert, which I wish to keep in place for security purposes. 

3 ) Address Update I request that my current address be updated in my credit file and that my previous address be removed. My correct and current address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX Supporting Documentation Per Equifaxs direct instructions, I am providing extensive documentation to support my dispute, including : A government-ratified FTC Identity Theft Report A copy of my Texas Drivers License ( front and back ) A copy of my Social Security Card ( front and back ) An affidavit of fraud from the Police A police report ( forthcoming ) Requested Actions from Equifax Permanently block and remove the fraudulent accounts from my credit file as required by law. 
Remove the fraud block from my file while ensuring that my fraud alert remains active. 
Update my current address and remove the outdated one. 

I expect Equifax to take prompt action on this matter and to provide confirmation upon completion. Failure to comply with federal regulations regarding identity theft disputes may result in further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My accounts 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 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 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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
First off they keep sending mail and even certified mail to my parents name. WAKE UP THEY ATE XXXX! I am the sessor on the account and they dont sent me information. I refuse to sign anything that comes certified for them! So stop wasting time. On every letter they say we are here to help XXXX dont see them helping. They never told me what options I have through Wellsfargo! I am not going through HUD, or some other XXXX  company. XXXX XXXX says they here to help then XXXX  help! XXXX XXXX people dont pick up the phone and call and I have my phone company with record of who calls my phone so I have proof they dont call! They do leave a message and claim its because its state reg that they cant well I asked a state senator XXXX XXXX and he said thats false information. So thats XXXX! I will have a lawyer you sue them on that! They are lying sack of XXXX! A XXXX from them called me last week and left a message, now she no longer seems to be available and never returned my phone calls. I have record of that too! If this company really wants to help they better get off there XXXX XXXX and pick up the phone and call tell me the options I can do through them. No I dont have XXXX or even XXXX to pay off my parents past HUD XXXX XXXX they have on this place. No one does you can thank XXXX! XXXX  start helping XXXX Americans! I hope you can sleep knowing you put Americans out of houses! Your nothing but family XXXX! There is not XXXX positive review about Wellsfargo and when I say to people we have wellsfargo the response is good luck they are the worst bank in XXXX! Yup you 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
There are addresses on my credit report that I have never been associated with. Secondly there are several accounts with missing and/or incorrect balances. Lastly there are items on my credit report older than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 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 information 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 2025-02-19 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

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 2025-02-20 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: TX

Complaint narrative:
I ask Experian, Transunion, and Equifax to supply information about my late payment but they can not provide a 21 days notice I dispute it 3 rounds and got the same results a stall letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year> I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year> now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation