vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo did not properly credit auto payment to account. XX/XX/XXXX {$560.00} deducted from bank accounts, XX/XX/XXXX {$1700.00} deducted from bank account, XX/XX/XXXX additional {$50.00} deducted from bank account. These payments were to lower principle when selling used vehicle to XXXX. Wells Fargo did not credit {$560.00} to my balance, this caused me to have to send XXXX extra money to complete sale. I have shared evidence with Wells Fargo from my primary financial institution, XXXX XXXX XXXX, including full bank statements that show the amounts being deducted from my account. I have attempted to resolve with Wells Fargo without success. This is a similar issue to what they have had to pay class action lawsuits for in the past and it is happening 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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-27 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-27 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Equifax Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear Equifax, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Cred contacted me about a debt on behalf of XXXX. On XX/XX/XXXX, I asked in writing that they provide what the money they say I owe is for, explain and show how it was calculated, provide me with copies of any papers that show I agreed to pay, Identify the original creditor, and only contact me via email for a written record. 

Genesis Cred did not provide the things I asked and in fact never responded to the repeat emails sent to their requested email address XXXX. 

I followed up XX/XX/XXXX explaining that their XXXX  ledger was based on a monthly rent amount different that the {$2000.00} in my signed lease agreement and therefore was not a correct debt. To this date, nobody has validated the debt and the only document is a XXXX  ledger showing 33 days of an 18 months lease with an egregiously incorrect starting balance. 

On XX/XX/XXXX I followed up asking again to explain and show how the claimed amount was calculated and provide any papers that show me agreeing to pay a different lease amount. I also asked for a list of the repetitive harassing phone calls I had received in violation of my request under the FDCPA. 

In XX/XX/XXXX, I received a notice from my credit report that the company had filed to the credit bureaus that I had not paid my debts. 

I have still not received a response to any of my emails. I have still not received anything showing that I owe what they say I owe. They have repeatedly violated my FCRA and FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-27 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: GA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Last XXXX XXXX XXXX To : Equifax Consumer Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX wrote this letter to the Equifax Credit Bureau to reinvestigate these accounts on my credit report. I was a victim of Identity Theft. Someone stole my information and opened these accounts under my name. ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX A BALANCE OF {$7100.00}. XXXX XXXX XXXX  OPENED ON XX/XX/XXXX A BALANCE {$29000.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. 
THESE ACCOUNTS NEEDS TO BE REMOVE FROM MY CONSUMER REPORT. I never Authorized these companies to have access to my consumer report. I NEVER SIGNED OR RECEIVED ANY CONTRACT FROM THESE COMPANIES. I ALSO FILE A COMPLAINT WITH CFPB AND XXXX THESE ACCOUNT NEEDS TO BE REMOVE WITHIN 15 DAYS. 

ALSO YOU NEED TO BLOCK THEM FROM ACCESSING MY REPORT. 

I also filed a police report with the XXXX police department, I sent it to EQUIFAX last month. And my tracking number is showing that it was delivered and someone signed for it. I will look forward to this information being updated in the next 10 to 15 DAYS or I will have toTake legal actions against the Equifax Credit Bureau in the court of law. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681eb they are supposed to ensure this ( 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. 

and according to 15 USC 1681s-2 this is suppose to happen ( 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. 

XXXX and XXXXXXXX XXXX XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
I'm not aware of these account please delete : Account # XXXX for ALL : DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX

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 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2024 I was called by the customer service number on the back of my debit card. Caller ID confirmed that bank of america was calling me. The person on the line put me through the exact same verification process that Bank of America has used in the past to verify my identity. I've been told since this scam happened that Bank of America will not call if there is an issue. I was never told about this change in policy. I was also unaware that someone could call me from a phone and make it look like it was coming from another number. The person on the other line had my email address and knew specifics about how much money was in my bank account. They convinced me that someone was actively trying to wire transfer money from my account. They seemed to have access to my online banking. They told me that they were setting up a proxy page where I was to agree to a wire transfer but that it wasn't real and this would reveal the individual trying to take the money out of my account. At some point I received an email where I was to decline a wire transfer for {$48000.00} but I got confused by the wording both in the email and on the mobile app and I approved the transfer, not thinking it was permanent. I thought I had to go into the bank to complete a wire transfer or that I would at least have spoken to someone at the bank. Bank of America 's investigation into this matter completes in XXXX. I have filed a police report and a report with the FTC. The money was sent to a XXXX XXXX XXXX XXXX and the recipient was clearly a fake name " XXXX XXXX ''. I have filed a report with both the FTC and a police report but I don't have access to either 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 2024-03-27 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.

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 2024-03-27 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: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-27 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MS

Complaint narrative:
I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, XXXX, XXXX and TransUnion have violated 15 USC 1681i.

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 2024-03-27 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: MS

Complaint narrative:
I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, XXXX, Equifax and XXXX have violated 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Fees, and add on to include a very high interest rate. Products were sold to me that I didn't anticipate. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year> I applied for a lease through XXXX for a XXXX XXXXXXXX XXXX. XXXX uses Chase Financial for leasing by XXXX customers.The application was denied later that day. Working with a XXXX staff member, I requested the reason for the denial. The XXXX staff member told me that Chase would agree to the lease only if I re-applied with a co-applicant. I have no co-applicant and so did not re-apply. Chase has consistently provided no reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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