vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Dear CFPB, I just looked at my credit report aand I am writing to file a formal complaint against WAKEFIELD & ASSOCIATES regarding their actions concerning account number XXXX collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

According to my understanding of the aforementioned regulations, WAKEFIELD & ASSOCIATES has failed to adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. WAKEFIELD & ASSOCIATES has not provided me with proper notification regarding the collection activities related to account XXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. WAKEFIELD & ASSOCIATES has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question.

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. WAKEFIELD & ASSOCIATES 's actions have lacked transparency and accuracy, which is a clear violation of this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. WAKEFIELD & ASSOCIATES has failed to uphold this fundamental requirement.

I am hereby requesting that this account is deleted from my credit report.

Furthermore, if WAKEFIELD & ASSOCIATES believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and ensure that my consumer rights are upheld. Please keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
The last payment posted by Mohela regarding my account was on XXXX in the amount of {$250.00}. I have made consecutive payments toward my student loans since the mentioned date, but no payments have been posted ; hence, not acknowledge as being received by Mohela. I get emails, calls, and letters reminding me that my account is past due! 
Consecutive payments were made as follows and received by Mohela a few days later : XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$680.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$480.00} XXXX. XXXX Cleared XXXX XXXX - {$630.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared projected date XXXX. 

Mohela stated that there was a system update and assured me that my account would be updated, but it did not happen to this day. When payments are received from customers they should be posted on the day they were received ( per XXXX XXXX ) ; hence, legit accounting practices. I would have understood if the posting had been delayed for 30 days due to system updates, but five months is even for a governmental/federal entity too long! Please do not allow them to ruin credit standings, and integrity on the scheme of earning interest in their own ( Mohela 's ) bank accounts on payments received by student loan payees. Your help is appreciated and needed before credit scores are ruined by so many in the same situation as I. Very Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Found them via XXXX ads, clicked on the link and got sent to the XXXX XXXX XXXX. Told me that in order to trade as a VIP you need to invest XXXX USD. A month later they changed that amount to XXXX USD. My profits amounted to XXXX USD. They asked XXXX withdrawal fee. After requesting to withdraw and paying a certain amount of fees, they froze his account and waited. Still in correspondence with them. Opened XXXX and XXXX just for the scam. This entire situation resulted in me loosing XXXX USD of my hard earned funds due to Chases misadministration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SC

Complaint narrative:
Since XXXX of this XXXX, Ive had medical hardships due to XXXX  and XXXX XXXX at my XXXX XXXX. I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with XXXX XXXX XXXX  Loss Mitigation department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a week and have not been released by my XXXX doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from XXXX XXXX XXXX  wanting me to make my mortgage payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process XXXX XXXX XXXX has been ruining my credit by reporting late mortgage payments for XXXX months to the credit bureau. My XXXX payments are 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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> a withdrawal was made from my Wells Fargo checking account to an XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX in the amount of XXXX. 
This was not an authorized transaction, nor do I have any affiliation with an XXXXXXXX XXXX XXXX XXXX  XXXX. 

I filed a fraud complaint with Wells Fargo on XX/XX/year>. Wells Frago states they investigated this transaction and it looked authorized on their end. They claim a transaction was completed on my computer. Wells Fargo denied my claim three times. 

On XX/XX/XXXX, I spoke with a representative from XXXX XXXX named XXXX ( she would not share her last name ), calling from number XXXX. She directed me to send " proof of authorization '' from Wells Fargo to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX PA XXXX. I sent all of my fraud claim information to this address. 

XXXX XXXX closed my compliant by stating they have no record of this transaction on XX/XX/year>. I have written proof from Wells Fargo that the transaction was issued from my account. Again, this transaction was never authorized by me. 

Thank you for your help, I can provide any other information or documents you may need.

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 2024-05-10 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-10 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: CBC Companies, Inc.
State: VA

Complaint narrative:
You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT REPORTING AGENCY IF ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information ; and ( ii ) the information is, in fact, inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-10 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: MA

Complaint narrative:
I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-10 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: MA

Complaint narrative:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I applied for a XXXX gas card from Synchrony bank. XXXX  I received a phone call from XXXX claiming to be Synchrony bank wanting to verify information. I stopped giving information after I gave my address. The caller could not verify from me that he was Synchrony bank. I hung up. I then contacted Synchrony bank from a secure chat, they could not verify the number I gave them was in Synchrony banks directory. I need to know if I need to report this to the police. I never gave out any passwords, SSN or DOB. But did give them my address. 

Please help 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When buying an item on home depots website, a credit application comes up showing a price of {$670.00} if I apply for their credit. After the credit approval the credit promotion actually raises the price. I was deceived into applying for this credit card because my only purpose was to receive the advertised price. I talk to both home Depot customer service and home Depot credit services, both said that they will not honor the advertised price. More importantly this this deception targets veterans as the promotional price does not mention or reflect removing their discount.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-10 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/2024 a dispute letter was sent out to the credit bureau regarding a discrepancy that was uncovered upon my review of my most recent report. The company XXXX XXXX XXXX is reporting on XXXX, XXXX, and XXXX that the original creditor XXXX XXXX XXXX states that I have an owed balance of XXXX} as of XX/XX/2024. I contacted the original creditor who stated that I originally signed a XXXX month lease. I have requested that the original creditor provide proof of signed documents along with the same request to XXXX, XXXX, and XXXX. As of today XX/XX/2024 no supporting documentation has been provided to me. 

" SEE ATTACHED ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MA

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified inaccurate XXXX  payments that needs reporting and correction through your company. These XXXX  payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached 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