vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly 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 must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late 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 non-monetary relief
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly 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 must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in viola
tion of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested an additional credit card for my husband XXXX XXXX, which never arrived in my house. It seems it was intercepted by someone and used in the XXXX area. I disputed the transactions many times with Wells Fargo, but they insist that I am the one that used the credit card and authorized the transactions. I filed a complaint in this site " case number XXXX " and the case was closed, Wells Fargo sent me a letter of denial stating that I was the one that called to active the card on XX/XX/year> from my phone number XXXX. 
I was never in possession of this credit card and neither was my husband, I never called Wells Fargo to activate the card as I was accused in the Wells Fargo letter. I looked in my XXXX XXXX XXXX log and there are no calls from my phone to Wells Fargo on that date. The Wells Fargo denial letter where they state I called to activate the card on that date, my XXXX XXXX XXXX XXXXog showing my calls for XX/XX/year>, police report and other paperwork related to this case. 
I have been really frustrated, feeling harassed and emotionally distressed by Wells Fargo since XXXXXXXX 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 monetary relief
Consumer complaint received 2024-06-05 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: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX  card for {$52.00} ( ORDER # XXXX ) on XX/XX/year>. 
Request refund on XX/XX/year>. I bought a XXXX XXXXXXXX XXXX card for {$52.00} ( ORDER # XXXX ) and a XXXX XXXX camera ( ORDER # XXXX XXXX ). After installing the camera, it didn't work properly, so I requested a refund through XXXX. XXXX instructed me to take both items to the XXXX store for return shipping without packaging either item. I followed their instructions, but XXXX has only refunded the money for the camera, not the XXXX card. I believe I followed their instructions correctly, so if there's any issue, it's with UPS, not me. I want my money back for the XXXX card as I have returned both items. Capital One received my complaint and all the evidence asked for, including the item 's shipping label back to XXXX. If XXXX refunded the camera, it also means that they received the XXXX  card. UPS PACKAGED THEM BOTH TOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
My credit report shows accounts I am unable to recognize. I have had my identity stolen. Each unfamiliar account is listed in the letter. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. I am unaware of these accounts, and they should be removed. Here is my respectful request to have the following items removed. Please accept my sincere thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Dakota Financial, LLC
State: TX

Complaint narrative:
DAKOTA FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX I didnt applied for anything from this company but they checked my credit score.

I want dispute the enquirer as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
Dear CFPB Representative, I'm writing to file a formal complaint against SOFI bank regarding their failure to provide me with the direct deposit bonus promised on their website when opening a new account with them. The requirement was to have direct deposit of more than {$5000.00} in a XXXX days period to qualify for a {$300.00} bonus. I have XXXX XXXX refund from fedral and state gov on XX/XX/XXXX and XX/XX/XXXX, respecitively, with a total of {$5800.00} direct depoit. However, SOFI failed recognize them as direct deposit ( DD ) and SOFI customer service told me it actually should be DD and that they would submit a ticket for me. No ticket number was provided and I was not being told I have to wait until XXXX pay cycles ( XXXX months ) to receive a response. After reaching out to SOFI multiple times after the XXXX pay cycle ends, I was being notified that they will have a coding correction to recognize those XXXX XXXX as direct deposit but they won't go back to correct my transcation. A SOFI representative helped me filed an Bonus Exception inquiry but still gets declined. 

I tried my best to reach out to SOFI every time when they don't reach to me back as they promomised, and I'm truly disappointed on how my case was being solved. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take approriate action. I would greatly appreciate your assistance in resolving this matter. 

Please feel free to let me know if I can provide more information. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was trying to reschedule a flight with XXXX XXXX that I booked through Chase Travel. On the XXXX XXXX website, it was free for rescheduling, but since I booked through Chase, I needed to contact Chase so they could reschedule for me. 
Chase Travel customer service told me that I could only reschedule it for a penalty as well as the differences between two flights. I'm very dissatisfied that Chase Travel doesn't honor the airline company 's policy and instead tried to charge the customers as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
Upstart ( XXXX XXXX XXXXXXXX ) sent a letter offering rates starting at 7.8 % APR. Upon moving forward with the process, they offered 24 %. When I moved the slider to the lowest loan amount, it was still 20 %. They shouldnt be allowed to advertise a low APR if they arent willing to give that to the most qualified borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
I've recently receieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/year> while reviewing my consumer file / credit report i noticed XXXX separate accounts for debt by LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX. XXXX XXXX. Iam unaware of these debts .I was not given an opportunity to examine these information about these debts. If in fact LVNV Funding believe I was given proper notification of these debts please send the certified receipt with my name and signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a recurring problem with the Chase Sapphire Preferred Card, through Chase.com. One of the advertised benefits of the card is an annual {$50.00} credit for a hotel stay when booked through the Chase Travel Portal. Apparently, Chase does not have a seemless way to issue the {$50.00} credit without the customer having to repeatedly call Chase and explain all of the details of the qualifying transaction, despite Chase having this information already. This has happened to me in multiple years. Rhetorically, Is Chase just claiming the benefit, and doesnt expect the consumer to make the multiple calls and spend hours on the phone with their agents to get the {$50.00} credit? The phone agent is not able to issue the credit, despite it being obvious that the hotel charge was booked and paid via the portal. They have to submit it to the back office, who also cant find the qualifying charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding, LLC regarding their handling of a collection account on my credit report. Despite multiple attempts to resolve this matter through the proper channels, LVNV Funding has failed to respond to my requests for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: WI

Complaint narrative:
Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX

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 2024-06-05 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: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-05 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: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-05 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: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : IQ Data International IN and account number IQD0NA Account name : XXXX XXXX XXXX and account number XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 section 2 : A person should not provide information about a consumer to a consumer reporting agency if they know or have reason to believe the information is inaccurate. This also applies if the consumer has notified the person that specific information is inaccurate, and the person has the consumer 's address on file for such notices.

Company response to consumer: Closed with explanation