vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: IN

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-10-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
Its not about my servicer. I was scammed by western benefits group for years thinking my payments were being applied to my loan balance. I also attended a school that was shut down for deceptive business practices ( XXXX XXXX XXXX ). I dropped out when I learned of fellow students unable to obtain careers in their field like promised after graduating with a degree. I only owed a little over {$10000.00} at the time and my loans have since grew to over {$20000.00}. I tried to have them wiped for years with no luck and I have been working as a public service member for the last 4 years at USPS. I missed the deadline for that loan forgiveness but with my school being shut down I feel like my loans should have been wiped since they lied to obtain funds. Now I owe that and I lost thousands to western benefits group and I just need to know how to fix all this please!! I do not have the same bank account that XXXX was drawing from but im with the same back and would have to ask for the history of payments to them in order to submit it over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This has continue to be an issue since XX/XX/2024. Every time I try to dispute they send a stall letter saying to give a paystub with my current address and a social security number. I have sent my paystub several times with the the address that they sent the letter to. 
I also have sent all this information more than once and certified mail. So I know they have received my request. Since Equifax do not want to dispute what I request, they will keep asking for a verification of address or try to get me to dispute on line. I do not want to dispute online because of the clauses. I called yesterday on XX/XX/2024 at XXXX XXXX XXXX  and I was not able to get to an live person. XXXX of my consumer rights continues to be violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My late husband and I took out a home Equity line of credit through Wells Fargo bank. At the time, Wells Fargo sold us an insurance policy through XXXXXXXX XXXX life insurance company for XXXX and life insurance on the loan. I became XXXX in XXXX, Wells Fargo was aware of this and mentioned nothing about the existing policy that we had in place on the loan yet they still took out the payments along with the premiums out of our checking account every month. In XX/XX/XXXX, my husband was XXXX XXXX  again, Wells Fargo knew of his death and we provided a death certificate, I called to pay off the home equity line of credit and again they mentioned nothing about this insurance policy. I have had several deaths in my immediate family and have been trying to deal with everything, I came across this policy, and I contacted several departments at Wells Fargo today and everyone there could pull up this insurance policy, however, no one was able to help me with contacting Union security life insurance company. I would think that if a group life insurance policy is sold through Wells Fargo, they should be able to assist the customer with contacting the insurance company. Also, the insurance company should notify their clients that have policies if these policies are sold or transferred to another company, that never happened. So I have been deceived by both companies! As a consumer, I have every right to be able to file a claim.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made a wire transfer for the amount of US {$9000.00} using the Wells Fargo application online. 
Wells Fargo gave me a confirmation number ( XXXX ). 
The receiver never received ANY money. The recipient was XXXX XXXX, at XXXX bank in XXXX, account number XXXX. I got on the phone along with XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX verified that the account for XXXX never received any wire transfer for any amount on or around that date when I sent it. The routing number for XXXX for the transaction was XXXX. 

I contacted Wells Fargo and filed a complaint. They came back months later and said that the money was sent successfully. XXXX asked for trace, which Wells Fargo, supposedly initiated 3 times. According to Wells Fargo, XXXX never responded to the traces and there is nothing else that Wells Fargo can do. 

Wells Fargo indicated via phone that unless there is a court order, they can not give me the money back. I contacted various lawyers and they ultimately directed me to this site to file a consumer complaint. It's worth noting that escalated the issue at Wells Fargo multiple times. With each escalation, months and now years went by, with no resolution. 
They maintain that the money was transferred and provided XXXX XXXXXXXX and the trace numbers that they inititated and that XXXX never responded to. 
I shared those with XXXXXXXX XXXX and they said they can not do anything with those numbers. 

XXXX XXXX XXXXXXXX XXXX numbers : XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> XXXX - initiated XX/XX/year> Wells Fargo specifically said that the the remitting bank and/or the beneficiary bank can both locate the wire with the information above, however, Wells Fargo simply deferred to XXXX and XXXX deferred back to Wells Fargo XXXX None of the banks is taking responsibility for finding my money. This is a large sum and it must be located and returned back 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 2024-10-03 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from XXXX, XXXX, and Equifax. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file.

Furthermore, according to the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from XXXX, Experian, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file.

Furthermore, according to the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I booked a tour using the XXXX website for a ticket, guide, and travel to XXXX XXXX. I selected XX/XX/year> as the tour date, and the system let me book. On receiving the confirmation email, I noticed that it had confirmed a tour on XX/XX/XXXX when I would not be in the country. 

I quickly rang XXXX to report the issue and ask for a refund. They were particularly unhelpful. They recommended that I call the tour operator in XXXX ( an expensive long-distance call ) to try to cancel. 

When speaking to the tour operator, they confirmed they had no tickets available that day and could only provide the requested service on XX/XX/XXXX. I made sure the tour operator canceled this reservation, and they incurred no charges. 

After rounds of unsuccessful communication with Citibank on this, I reached out to the provider to confirm in writing that this charge was not valid. 

The attached conversation is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) who is the tour operator that was providing the tour. XXXX is a third party operator who schedules tours with local operators. 

The tour operator has confirmed that XXXX 's system had incorrectly booked the tour and that I should be refunded. This was also relayed to the XXXX team, who has been unresponsive since this was once again raised to them on XX/XX/year>.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I wrote to Synchrony Bank that service my PayPal Master Card account and request that the application of the Louisiana Statute Section 29:311 and 29:312 be applied to my account from the date I PCS 'd back to Louisiana. As you may be aware this Louisiana Law differs from the federal requirements of the Servicemembers Civil Relief Act ( SCRA ). I believe that my situation qualifies under the provisions of this specific state statute and I am seeking to have it applied to my account accordingly.

Please let me know if any additional information or documentation is required to facilitate this request. I appreciate your prompt attention to this matter and look forward to your response.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hi CFPB, I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) * ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- **Investigate disputes** within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ). 
Despite these clear legal requirements, TransUnion has **negligently** failed to comply. 

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This **negligence** is a direct violation of the FCRA. 

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has **failed to properly investigate** the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have **negligently** failed to do. 

TransUnions **negligence** in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their **negligent practices**, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions **negligence** has harmed them as well. 

Thank you for your time and attention to this matter. 

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