vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally address a concerning issue regarding my credit report. Upon reviewing my records, I discovered several late payments listed on my credit report that I believe to be inaccurate. 

I first became aware of these discrepancies [ mention when you first noticed them ], and promptly took action by sending letters disputing these inaccuracies over a month ago. However, to my disappointment, I have yet to receive any acknowledgment or satisfactory resolution from your end. 

It is imperative that these errors are rectified promptly, as they are adversely impacting my creditworthiness and financial standing. I have enclosed copies of the letters previously sent for your reference, along with any supporting documentation that substantiates my claim. 

I kindly request that you thoroughly investigate this matter and provide me with a detailed explanation of the steps taken to rectify these inaccuracies. Additionally, I urge you to promptly update my credit report to reflect the correct information. 

Please acknowledge receipt of this letter at your earliest convenience and provide a timeline for resolution. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My XXXX XXXX This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose XXXX and XXXX  anXXXX XXXX, Not Only That But It Showed Up On My Consumer Reports.

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 2024-05-24 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: FL

Complaint narrative:
On XX/XX/year>, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My XXXX XXXX This XXXX, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose XXXX  and XXXX and XXXX, Not Only That But It Showed Up On My Consumer Reports.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I called Wells Fargo to close my checking and savings account. at this time I was informed that I owed {$67.00} before they would close my account. on this same date I transfer the amount in question to cover the {$67.00}. I closed this account because they have a practice of charging overdraft fees without my consent and or knowledge. after reviewing my checking account I discovered that Wells Fargo charged overdraft fees 5 times, without my approval. When I brought this up with the agent ( while closing the account ), she very rudely told me, it was the policy to cover overdraft funds and charge fees without informing me. this is frustrating, it is XX/XX/XXXX and they continue to charge more overdraft fees ( after I called to close the account ). when I called they say that they can not close the account until I pay the added overdraft fees. 

This is abuse, I am a XXXXXXXX XXXX XXXXt limited budget and do not have the funds to pay these fraudulent fees. 

Here are the dates of overdraft fees ( YTD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2024-05-24 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX Account # 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 2024-05-24 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-24 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: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX my family and I went to XXXX  XXXX XXXX and stayed until the XXXX. Before we left for the trip we asked if we could us gift cards or prepaid cards to pay for our trip and the agent said that we could. So once we arrived we went to the counter we presented the prepaid cards to the agent only to find out that we could not use them. We turned one prepaid card into a regular gift card for XXXX dollars, but the XXXX dollar prepaid card was not able to be used. So after arriving home I called the Netspend company and explained the situation to them and all the keep telling me is that it takes six businees hours to refund my money but it has yet to be done. I have been fighting with the company for eight days now and nothing has been done so I told them that i would take legal action if my money was not refunded I purchased the prepaid cards from the XXXX in XXXX Maryland and was even told to go to the merchant but the merchant was unable to help or refund the money. So I am hoping you can help me with this issue. I have tried to speak to a manager at Netspend but nothing is getting resolved. The prepaid Netspend card with the XXXX dollars on it is in pending status hand has been since the 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 2024-05-24 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: UT

Complaint narrative:
I am writing to express my ongoing concern regarding an unresolved issue on my credit report. Despite my previous efforts to address this matter, the following account remains inaccurately reported : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: UT

Complaint narrative:
I am writing to express my ongoing concern regarding an unresolved issue on my credit report. Despite my previous efforts to address this matter, the following account remains inaccurately reported : XXXX XXXX Account Number : 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 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: AZ

Complaint narrative:
The following accounts are fraudulent and are reporting on my credit file. 

XXXX ) XXXX Account XXXX XXXXXXXX. Amount=XXXX. 

XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Amount {$480.00} XXXX ) XXXXXXXX XXXX XXXX Amount {$1200.00}

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 2024-05-24 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: AZ

Complaint narrative:
The following accounts are fraudulent and are reporting on my credit file. 

XXXX ) XXXX Account # XXXX. AmountXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$480.00} XXXX XXXX XXXX XXXX XXXX Amount {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NC

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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 viewed my credit report and noticed that there are incorrect accounts.

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 2024-05-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I Recieved Notice of An Inquiry On My Consumer Report From Navy Federal Credit Union, In Which I Did Not Authorize The Furnishment Of My Information. As The Consumer / Creditor / Natural Person It Is Unlawful To Furnish Information Of The Creditor If They Believe It To Be Inaccurate According To " 15 usc 1681s - 2 ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: NY

Complaint narrative:
The company OppLoans by OppFi is engaged in predatory lending aiming to take advantage of people who are desperate for money because they are financially limited in their capability. It they want a near 200 % return on their loan within a 10 month period ... which is absolutely abhorrent. This company should be shut down and not allowed to issues loans to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opening Checking account with Truist on XX/XX/XXXX with a promo code for a {$400.00} bonus. Completed all required steps in time frame to receive bonus. Which stated it would be deposited within 4 weeks of completed required activity. 

Called on XX/XX/XXXX to ask for update as that had been a little over 4 weeks since I completed required activities. Was informed by the rep, even though it says 4 weeks on the terms page. They can take up to 90 days which it does not say anywhere. 

Called again on XX/XX/XXXX to ask another rep and mentioned that he will send it up the chain to have it reviewed by someone else. He never mentioned a 90 day period. But informed me the timeline for escalation was approx 15 days. Meaning that the 4 weeks stated was never even a possibility and I was mislead from the beginning.

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