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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to urgently seek your assistance regarding an alarming error on my credit report, which has significantly impacted my financial standing. Despite my consistent efforts to maintain an impeccable payment history, I have encountered a distressing issue with my credit report. 

Upon reviewing my Consumer Reports, I discovered a late payment entry associated with my XXXX XXXX  account ( Account Number : XXXX ). This entry is entirely inaccurate, as I have never missed a payment on this account. The presence of this erroneous late payment is not only damaging to my credit score but is also causing undue stress and jeopardizing my financial stability. 

Consumer Reporting Agencies have a critical duty to report consumer information with the highest level of accuracy. This incorrect entry undermines the trust I have placed in these agencies to reflect my financial behavior truthfully. I have always been meticulous about paying my bills on time, and this discrepancy is both unwarranted and unjust. 

I request that the CFPB intervene and conduct a thorough investigation into this matter. I urge you to review my payment history with XXXX XXXX  and provide concrete evidence, such as detailed statements, to substantiate the claim of any late payments. If such proof can not be furnished, I demand that this late payment record be promptly corrected to reflect its true status as on-time. 

The presence of this incorrect information on my credit report is causing significant distress and impeding my ability to secure necessary financial opportunities. I respectfully request your immediate attention to rectify this error and restore the accuracy of my credit report. 

Thank you for your understanding and prompt assistance in this critical matter. I look forward to your swift resolution and confirmation that my credit report has been accurately updated.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: SC

Complaint narrative:
Fraudulent mail check from regional finance

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE HARD INQUIRIES In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USD 1681. 

The accounts below have violated my rights. 
15 U.S.D. 1681 section 602A. States I have the right to privacy.

15 U.S.D. 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.D. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates report by more than seven years. 

15 U.S.D. 1681s ( A ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

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: OH

Complaint narrative:
I am a victim of fraud. I NEVER RECOGNIZED THIS ACCOUNTS. I sent letters for several times but I never receive any response for the XXXX bureaus. Please make an actions XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account XXXX : XXXX XXXX {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX {$0.00} XXXX XXXX Account Number : XXXX XXXX {$0.00}

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding my ongoing efforts to correct inaccurate personal information with the credit bureaus, which has significantly hindered my ability to verify my identity for important purposes, such as applying for XXXXXXXX XXXX 

Details of my complaint are as follows : I have contacted the credit bureaus on multiple occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting the correction of my personal information to the following : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : [ Correct Phone Number ending in XXXX ] Social Security Number : [ Correct SSN ending in # XXXX ] Employers : Requesting removal of employer information Despite allowing more than enough time for updates and providing all necessary documentation, I have received only auto-generated responses stating that my identity can not be verified. 

This ongoing issue has significantly hindered my ability to pursue XXXX XXXX, as the accuracy of my personal information can not be verified due to the credit bureaus failure to update their records accordingly. 

I can provide documentation showing that I have requested an update, if necessary, as well as supporting documentation to verify my correct personal information. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that the credit bureaus accurately reflect my personal information in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IN

Complaint narrative:
US Bank offered a zero percent balance transfer in XX/XX/year>. I completed the form online and the balance transfer was never performed. I called US Bank to find out why they made the offer and then did not execute the balance transfer. I was told they tried to call me but I never responded. I checked my phone records for the number on my profile and no such calls or voicemails were ever left. I incurred an interest charge from XXXX XXXX  in the amount of {$13000.00} on XX/XX/year> as a result of US Bank failing to make the balance transfer. I have again received the same offer and have again submitted a balalance transfer.

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 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: ID

Complaint narrative:
CB OF LEWISTON CLARKSTON INC has not provided me with debt verification, and I have not received any paperwork showing my rights as a consumer, how to dispute. The collection agency also reported a fraudulent collection when they didn't review my contract showing that the lease isn't to be paid till XX/XX/XXXX, and all cleaning fees inside of normal wear and tear are not chargeable to me according to my contract and including them as a repair isn't legal under idaho state law. All included in the contract I'll provide The company has also not followed FCRA 623 ( b ) ( 1 ) ( D ) in which they are required to notified XXXX and XXXX that XXXX has determined that the collection is fraud and has been removed off of my record. They are required to notify and rectify to all credit bureaus that it has been deleted and should be deleted post haste.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I checked my inquiries and saw Bank of America XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX on XX/XX/XXXX never applied for any credit. Bank of America again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this XXXX on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this 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 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.

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: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi there, On the night of XX/XX/XXXX, my wallet containing my Wells Fargo debit card ( as well as all my other cards, ID, and passport ) was stolen out of my car. The thieves subsequently used my cards on XXXX ( including my Wells Fargo debit card ) to attempt to make purchases at various retail establishments ( both inside and outside of California ). The thieves used my debit card to make a {$160.00} purchase at an establishment called " XXXX XXXX XXXX '' which was then flagged by Wells Fargo via email as a potentially fraudulent transaction. 

Immediately upon receiving the fraud notice email from Wells Fargo on XXXX, I went to my car and realized everything had been stolen. I reached out to Wells Fargo, informed them of the situation, and told them that I had not authorized the transaction in question. I was issued a provisional credit at the time ; however, a couple of weeks later, I received a letter in the mail stating that my claim had been denied and that the credit was being reversed. 

I then reached out to Wells Fargo again, re-told them the story, and I was assured by the rep that my claim had been denied because there had been a mistake on Wells Fargo 's end with the original intake of the claim. Once again, I was issued a provisional credit. Once again, several weeks later ( this time on XX/XX/XXXX ), I received a letter informing me that my claim had been denied and the credit was being reversed. 

I reached out to Wells Fargo again today ( XX/XX/XXXX ), and they told me that my claim had been denied based on a variety of factors, most notably the fact that the establishment where the fraudulent transaction occurred was close to my home, and the fact that the PIN had been bypassed when the purchase was made ( I'm unclear how that is a relevant factor - a PIN can be bypassed for pretty much any purchase by just clicking OK on the poinXXXX of sale system ). I was also told that I needed some sort of " supporting documentation '' to reopen my claim. I just filed a police report to submit to them to get the claim reopened ( I had not previously filed one because when I went to the police station, they told me that filing a report would not do anything and was really up to my discretion ). However, I suspect that Wells Fargo is trying to " outlast '' me in an attempt to effectively steal my {$160.00}.

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 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation