vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with XXXX XXXX XXXX XXXX, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent.The attached credit application you have on file for me is not my authorized signature. Additionally, I request that you cease inquiries and any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so and there was no legal disclosure of such credit application prior. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within XXXX  days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law.. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo constantly use excuses that they are required to follow sanctions laws, but they have internal operational issues that have nothing to do with being in compliance with XXXX, they are in violation of our banking rights. Wire was sent XX/XX/2024 and was supposed to be posted by XX/XX/XXXX or no later than XX/XX/XXXX, it is now XX/XX/XXXX and our wire has yet to be posted and they are delaying our next wire. I have written : XXXX XXXX, I have been informed by my son that Wells Fargo has delayed our wire transfer by XXXX weeks. Regardless of any excuses Wells Fargo might have, this is not only unacceptable but also a serious violation of our banking rights. It appears that this delay stems from an issue within your XXXX Sanctions department rather than the XXXX department. 

When a Wells Fargo customer has issues paying bills or is late on some payments, Wells Fargo imposes fines. However, when Wells Fargo encounters issues, it seems to merely offer excuses. I find this double standard unacceptable, especially since the delay affects our next wire transfer. A process that typically takes XXXX to XXXX  days has now taken over XXXX weeks, despite being escalated. 

Please file an internal complaint on my behalf, as I will be informing the CFPB of Wells Fargo 's banking violations against us.

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 2024-06-25 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: GA

Complaint narrative:
It appears that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Can you verify the documents? Some accounts listed have reporting errors, wrong amounts, and incorrect dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NJ

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and 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 in XX/XX/2023 to XX/XX/2023 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX and 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 2024-06-25 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: CO

Complaint narrative:
In acordes With The Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX Has violated My Rights.15 U.S.C section 602 A. States I Have the Right To Privacy. 15 U.S.C 1681 SECTION 2 : IT ALSO STATES ACONSUMER REOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY INSTRUCTIONS

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 2024-06-25 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: CO

Complaint narrative:
In acordes With The Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX Has violated My Rights.15 U.S.C section 602 A. States I Have the Right To Privacy. 15 U.S.C 1681 SECTION 2 : IT ALSO STATES ACONSUMER REOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, i sent this company a letter about some errors on my credit report but its been over XXXX  days and I still havent received any response from the company I was informed that they may be violating the fcra law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The XXXX Credit Report XXXX stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally address the unexplained closure of our family 's accounts with Bank of America in XX/XX/year>. Despite our nearly 20-year history as customers with an impeccable record of responsible banking, we were given no justification for this action. 

This closure has had severe consequences, seemingly resulting in our inability to open accounts at other financial institutions. I would appreciate if bank of America can provide : 1. A detailed explanation for the account closures 2. Clarification on any reports made to other financial institutions regarding our accounts 3. Information on how to appeal this decision.

4. If the bank reported us to any government agencies. 
We have always conducted our banking affairs ethically and legally. If there were any concerns or issues, we would appreciate the opportunity to address.

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 2024-06-25 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:
XXXX disputing information on my credit report. Pursuant to FCRA 605B XXXX including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. XXXX complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I applied for a loan and accidently gave my account login information to the loan company which it turn out was trying to scam me, but i alerted usaa federal savings bank before they had a chance to get anything from my account, but they said that since i had been scammed before by an ex girlfriend about XXXX  years ago, that they were closing my account and no longer wanted my business, but they are taking XXXX  days to release my funds to me and because they will not close they account my future checks for the month of XXXX are going there causing me financial hardship as i am already living check to check as i was blown up in XXXX back in XXXX of 2005 and lost my eyesight and recieved the purple XXXX, i tried to explain to them that this is the only funds that i have and i need my money to pay my bills because i do not want to starve to death or lose my house they keep telling something about company policy will not let them release my funds to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
It's incredibly frustrating that I'm only XXXX payments into this repayment period, and yet, I'm already experiencing issues with this company again My XXXX  XXXX stated that I was due {$220.00} by XX/XX/XXXX, and I paid {$220.00} on XX/XX/XXXX. 

The second bill showed a past-due amountobviously not trueand a new payment due of {$300.00}. I sent a payment of {$300.00}, and now my XXXX  bill shows a past-due amount. Again, not valid. 

Why is my payment not shown as {$220.00} monthly? This inconsistency is causing me a lot of financial XXXX. I will not tolerate this again. 

This company put my accounts in forbearance without my consent for years while the interest grew. I entered into payment agreements, and they made additional payments from my bank account, overdrafting my account. 

Navient 's actions are directly impacting my financial stability. I have requested an immediate correction of the billing errors and assurance of accurate future billing. 

These loans are from XXXX and XXXX. 

Navient states that the recent lawsuit against them does not benefit students like myself. This loan was originally contracted with XXXX XXXX. 

How do I stop this company from its fraudulent practices??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NC

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their repeated failure to provide me with the requested documentation and verification of a charge-off on my consumer report. Despite multiple attempts to resolve this issue directly with Experian, I have not received any satisfactory response or the required documentation. 

Account Info : XXXX Acc # : XXXX I initiated multiple dispute with Experian requesting detailed documentation of the verification process for the charge-off listed on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to provide this information within a reasonable timeframe, typically XXXX  days. However, it has been well over XXXX  days, and I have yet to receive any response. 

Additionally, the charge-off in question was previously deleted from my credit report but was later reinserted. Under the FCRA, specifically the reinsertion law, Experian is required to verify the accuracy of any information that is reinserted into a consumer 's credit file and to notify the consumer within XXXX business days of the reinsertion. To date, I have not received any notification or documentation regarding the procedures taken for this reinsertion. I'm requesting proof of documentation and tracking number of letter notifying me. 

I believe Experian 's actions constitute a clear violation of my rights under the FCRA, including but not limited to the following provisions : 15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 

Given Experian 's failure to comply with these legal requirements, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian provides the necessary documentation and verification. Furthermore, I request that any inaccuracies resulting from this unverified charge-off be corrected on my credit report and be removed. 

Please find attached copies of the disputed chargeoff and the result of it being by deleted by Experian. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

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 2024-06-25 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: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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 non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to Equifax letting them know that I was unable to obtain my free credit report from them. Instead of sending me my report, they are pretending they cant identify me even though I sent over all of the necessary documentation. 

See attached.

Company response to consumer: Closed with explanation