vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was contacted by a gentleman impersonating a job recruiter for XXXX. He offered me a job as a medical coder ( XXXX ). He took the time to go back and forth with me. He even sent me interview screening questions and finally got back to me and said out of all the candidates I was chosen. He even sent me an offer of employment letter which I had to sign and send back. He then told me they would send me a check so I could purchase my workstation directly from their vendor. He instructed me to download my mobile banking app and deposit the check through the app and as soon as it went through to contact him via XXXX chat because that would be our way of communicating since I would be working remotely, and he would be my supervisor I would be checking in with him daily for my work assignment. Once I deposited the check in the amount of {$7300.00}, He instructed me to do a wire transfer to their " vendor '' {$7300.00} and a service charge of {$30.00} for express delivery for same day, Which I did. He told me I should expect a call from the vendor within the next week. The next day he messaged me on XXXX chat and stated that their vendor had raised their prices, and he would need to send me another check to cover the amount and that's when I got suspicious. I called XXXX XXXX and left a message to see if this guy was legit. I also called my bank, XXXX XXXX  XXXX XXXX ) and maid a wire scam claim and tried to do a wire recall and we did a wire tracker. That was done on XX/XX/year>. They told me they would send all the information to Wells Fargo so they could do their own investigation, and they could try and recover my funds. I was told by XXXX XXXX XXXX that the process would take up to XXXX business days for Wells Fargo to give them an answer. I kept calling every XXXX weeks as they had placed a freeze on my account. I would have to call every payday to transfer funds so I could pay my bills. On XX/XX/year> I called again to transfer funds and get a status update on my claim and was told by XXXX  XXXX XXXX XXXX Wells Fargo had denied my claim. even after I had sent them over all my evidence.

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 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I would like to file a complaint on Old Navy Navyist Rewards Card services ( BarclaysUS ) On XX/XX/year>, I made an online purchase from Old Navy, total amount was {$100.00}. I registered for paperless statements. 
Since I was aware of the balance of my purchase, in XXXX, XXXX I mailed in a check of {$100.00} to pay off the balance. 
I have not heard anything from Barclays since then so I assumed the balance had been cleared off, until XX/XX/XXXX XXXX I received an email from them notifying me that I have a balance of {$370.00} with them. I called in Barclays customer service to find out about it. I am advised I am having that much amounts of balance because late fees has been accumulated since XX/XX/year>. They've charged me {$41.00} for late fee monthly {$100.00} + {$30.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$32.00} interest ( XXXX ). Total amount of balance is {$370.00}. I asked for forgiveness on those late fees because they have not send me any notification on the balance, late fees and interests since XXXX at all. The representative ( her name is XXXX - XXXX ) can only waived off 3 months of late fees ( {$41.00} * XXXX = {$120.00} ), brought the balance down to {$240.00}. 

XXXX. They are charging {$41.00} for a month late fee, the charge is too much XXXX. They should have sent out notification to me on the balance I would like to request forgiveness on late fees in XXXX, XXXX, XXXX, XXXX, XXXX. I will be able to cover XXXX late fee {$30.00} I am aware that the interest fee will not be forgiven {$32.00} So my balance would be {$100.00} + {$30.00} ( XXXX late fee ) + {$32.00} ( interest fee ) = {$160.00} Please take this case into your consideration. I would have taken care of the balance if I was aware of, I would not ignore the bill and I would not have waited that long to be stuck in this aging balance. I have tried my best to keep good credit score even though I have been struggling financially Thank you

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 2024-09-09 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-09 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: GA

Complaint narrative:
This has been really bothering me it's so frustrating, a credit inquiry on my report popping out of nowhere, I do not recognize this, I did not authorize nor consented to the company and to you having this inquiry placed on my credit, this is really stressing me out and making me anxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply concerned that Experian claims the information on my credit report was 'certified ' as accurate by the original creditor. I have valid reasons to believe that no thorough investigation or communication occurred, as the information remains incorrect. This lack of proper verification is unacceptable and has negatively impacted my credit. I respectfully request documented proof that the creditor was contacted and ask for the immediate correction or removal of this inaccurate information. '' Report number : XXXX Date Generated : XX/XX/year>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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My debit card number was used fraudulently by an unknown source to purchase items from a XXXX in New Jersey in person worth XXXX on XXXX. Then my card was used fraudulently again multiple times for XXXX XXXX on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and again on XX/XX/XXXX for XXXX. I was texted by Wells Fargo in the early morning on XX/XX/XXXX asking if I was making those purchases and I said no and called them immediately to freeze my card and to make a fraud claim. They told me I would have a response in ten business days with a decision. That same afternoon I called back and asked for provisional credit, and asked for an email so I could send proof of the XXXX receipt showing items bought such as multiple electronics including multiple gaming systems, as well as the time and date of purchase. I have been mailed letters by Wells Fargo simply stating that they have given me provisional credit which I had to ask for in the first place. It has been three weeks since I filed my claim and I called back today on XXXX with NO resolution still. I need and deserve my money back permanently as I am innocent in this situation.

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 2024-09-09 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-09 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/2024, XX/XX/2024 ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/2024 and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NOVA Financial Holding Company, LLC
State: AZ

Complaint narrative:
XXXX XX/XX/year>, I received a letter stating that an escrow analysis was conducted and there was an {$97.00} shortage, which I decided to pay as a separate amount to not make my monthly payment increase. I paid the complete total amount for the shortage. 

For the my upcoming XXXX and XXXX statement my monthly mortgage payment had increased {$7.00} dollar per month, from {$2100.00} to {$2100.00}. I called my bank support and to my surprise I was informed they ran a second escrow analysis without informing me, as I hadn't received any letter regarding that second escrow analysis. I told the bank support technician that I had received that letter I would have paid it separate instead of making my mortgage monthly payment increase. As you know, my monthly payment is already high with a 6.7 % interest rate, I would never want to make my monthly payment increase. 

I can provide of statement, and receipts, if requested.

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 2024-09-09 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:
Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, XXXX and Equifax ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 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 promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: IL

Complaint narrative:
Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, Experian and XXXX ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 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 promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : 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 2024-09-09 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: NM

Complaint narrative:
On XX/XX/XXXX I filed a police report with law enforcement to report that I found accounts on my credit report that were not mine. XX/XX/XXXX I sent in a dispute by mail to Equifax credit reporters showing the exact accounts that do not belong to me. I requested for those accounts to be removed and if they are not that they send me the assignment contract and the information that was used to conduct the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: TN

Complaint narrative:
I received two letters stating that I owe Shepherd Outsourcing LLC, {$2000.00} and {$580.00}. 

They claim that I have an account with XXXX XXXX XXXX. I do not have an account with such a firm. I also have no knowledge of the original creditor of XXXX XXXX. I had zero medical issues 5 years ago when they claim I owed these amounts. 

These seems like a scam.

Company response to consumer: Closed with explanation