vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Reported a fradulent account to paypal who is scamming people. Paypal dismissed the claim and refused to even take note of the account or perform any action to stop anyone else from getting scammed by the fradulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
We sold our house paid off the loan and XX/XX/year> Arvest bank has reported late payments for XXXX and XXXX of XXXX over XXXX days and because of this we were turned down for a new home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I believe the account is invalid. RENT RECOVERY SOLUTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
I am writing to formally address a critical issue regarding fraudulent files that have been inaccurately reported by XXXX XXXX and XXXX XXXX XXXX on my credit report. The erroneous entries associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX not pertain to my rightful name or information. These fraudulent files are significantly impacting my XXXX XXXX and financial standing. 

As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ), credit reporting agencies and debt XXXX are mandated to ensure the accuracy, fairness, and privacy of consumers ' credit information. The presence of fraudulent files by XXXX XXXX and XXXX XXXX XXXX on my credit report is a clear violation of these laws and my consumer rights. 

I have previously engaged with representatives from both XXXX XXXX and XXXX XXXX XXXX regarding these fraudulent entries. Despite my inquiries, the representatives were unable to provide any substantiated information or documentation related to the files. Furthermore, the original companies associated with the accounts have confirmed that they have no record of any information pertaining to my rightful name or details. 

In light of the aforementioned circumstances, I am formally requesting the immediate removal of the fraudulent files associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX XXXX credit report. These inaccurate entries not only misrepresent my financial history but also pose a significant hindrance to my creditworthiness and financial well-being. 

I implore Consumer Finance to take prompt and decisive action in accordance with the FCRA, XXXX, and FDCPA to ensure the expeditious removal of these fraudulent files from my credit report. It is imperative that these violations of consumer rights and financial integrity are rectified without delay. 

I kindly request that you provide me with written confirmation once the fraudulent files have been successfully removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Me and my wife called into Amex to get our cash advance pin with customer service and they sent a link ... To the email to obtain the pin... While on phone she asked if I wanted to be an authorized user so I said yes... They got my info and ran my credit and approved me... We hung up and used the login link for the cash advance pin and it doesn't work... Called back and spoke to many different people... They told us because we called into get the pin as instructed by customer service who switched the call over to cash advance people... The cash advance portion of the credit card would be locked for 60 days... I was furious because I don't want to be on a credit card that can't use the cash advance aspect but more importantly they impacted my credit and I feel unethically did the bait and switch... I would like to pursue monetary compensation for the rude person on the line and negatively impacting my credit ... Is this the correct place to go? I need help. Thank you so much... I'm not good at articulating what happened in writing so I would prefer to speak to someone on phone...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: LEXISNEXIS
State: PA

Complaint narrative:
I made a CFPB complaint ID XXXX in regards to LexisNexis having incorrect information on my crfedit file. LexisNexis keeps playing thios I can not identify you game. I am in the process of being pre-approved to buy a home and this is hendering my process greatly. Me and my family are in the process of being homeless as I can not get the correct reporting from LexisNexis whom is also verifying incorrect information to XXXX XXXX and XXXX. I have attached my original complaint with my identification. Please respect my consumer rights. LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from TransUnion, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.

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 2024-05-19 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: FL

Complaint narrative:
XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, XXXX and Equifax as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX XXXX has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently XXXX  and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond XXXX  month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, Experian and XXXX as it is inaccurate. 

See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness was cancelled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid my Capital One credit card payment on the due date of XX/XX/year>, using the Capital One credit card website. Because the payment was made after 8 pm, they considered it late and charged me a late payment fee of {$25.00}, as well as an interest fee of {$49.00}. 

Capital One has agreed to waive these fees this time, but the policy is unfair and misleading. If a payment is made anytime before the end of the due date, it needs to be considered an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX AND 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 2024-05-19 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: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had three late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XXXX, XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Closed account on XX/XX/XXXX but still havent received anything as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On my report theyre are recent inquiries as if i have applied for something and i have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Details of the XXXX : In XX/XX/year>, I opened a new XXXX  account with Wells Fargo under a promotion that promised a {$300.00} bonus for new accounts, provided that certain conditions were met. These conditions included making qualifying XXXX  deposits totaling {$1000.00} within the first XXXX days of account opening. 

Actions Taken : I opened the checking account online in XX/XX/year>. 
I deposited {$1000.00} into the account via qualifying XXXX  deposits in XX/XX/year>, well within the XXXX period. 
Despite fulfilling all the conditions outlined in the promotion, I have not received the {$300.00} bonus. When I contacted Wells Fargo customer service, I was informed that the promotion had ended, and I was not eligible for the bonus, despite having completed the necessary steps within the required timeframe. 

Impact : This situation has caused me significant frustration and has led me to question the reliability and transparency of Wells Fargo 's promotional offers. I believe that I am entitled to the {$300.00} bonus as per the terms of the promotion that was active at the time of my account opening and deposit. 

Requested Resolution : I am seeking the immediate issuance of the {$300.00} bonus that was promised as part of the promotion. Additionally, I request that Wells Fargo reviews its promotional practices to ensure that customers are not misled or denied promised benefits without valid reasons.

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