vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 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 U.S. Code 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received an offer from Capital One for a XXXX XXXX credit card that came with XXXX frequent flyer miles and interest free XXXX months upon spending {$500.00} on the card in the first 3 months. I applied for the card and Capital One accepted my application and sent me a card. Before using the card, I confirmed the offer with XXXX from Capitol One on XX/XX/XXXX. I placed {$1300.00} on the card. On XX/XX/XXXX, I talked to XXXX from Capitol One to find out when I would get the frequent flyer miles. He told me that I would not get the XXXX frequent flyer miles. He started a case # XXXX. XXXX from Capital One called me on XX/XX/XXXX and told me I would not get the offer but did not provide a reason. I then went to the Capital One store in the XXXX XXXX XXXX. I explained the issue to one of the credit ambassadors. The ambassador agreed that I should get the offer. They connected me with a manager ( XXXX # XXXX ) who did not resolve the issue. The ambassador then connected me with a second manager XXXX XXXX XXXX XXXXXXXX ) who also did not resolve the issue. In summary, I received an offer, I confirmed the offer, I accepted the offer, I charged expenses to the card under the offer, and then I was told I would not get the offer. I would like assistance in getting them to honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me 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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.

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 2024-08-19 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: GA

Complaint narrative:
I seek your help in addressing this incorrect account listed on my credit report. This matter has tarnished my reputation, and I need your assistance. Your mishandling of my credit report has left me in a difficult position as the inaccurate reporting has affected my reputation. These mistakes need to be resolved so I can live peacefully 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SOFI TECHNOLOGIES, INC.
State: WY

Complaint narrative:
In XXXX I applied for a personal loan with Sofi. This loan was paid in full and the account was closed in XXXX, XXXX. I have continued to be harassed on a monthly basis for the past FIVE YEARS from Sofi with offers of credit and preapprovals. They have followed me through 3 separate moves including an out of state move. I have opted out numerous times directly with Sofi, and have generally opted out at the federal level. In XXXX I began XXXX mail monitoring and have documentation showing that I have had inbound mail from Sofi ONCE A MONTH since that time. I have contacted the company via email and via phone. They claim I have been removed, and yet here I am today, XX/XX/XXXX, with yet another piece of mail from them telling me it's urgent I open the envelope and get a credit product from them. 

Additionally and more importantly, this company is pulling my credit via soft pull on nearly a monthly basis. They do not have a permissible purpose/use under FCRA as I am not their customer and have not been for five years. I have asked them to stop, in writing, and they continue. I sent them my name, address, and DOB and asked them to stop 6 months ago and they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
I am asking for your assistance regarding this incorrect account appearing on my credit report. This issue has harmed my reputation, and I need your help. Your mishandling of my credit report has brought me to my knees because your inaccurate reporting has damaged my reputation. These mistakes must be corrected so I can live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your help with this incorrect account that is showing up on my credit report. This issue has been damaging to my reputation, and I require your assistance. Your mishandling of my credit report has left me devastated because your inaccurate reporting has harmed my reputation. These errors must be addressed so that I can live peacefully 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 2024-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Due to covid I was forced to sign up for Wells Fargo 's forbearance program. 
While on the program the other person on the mortgage passed away and due to that when I went to restructure the loan and get off of forbearance I was denied consideration several times eventually leading to foreclosure forcing me to lose my home and a lot of money by having to do a short sale. 
Then while having to look for another place to live while trying to work hours that didn't go with landlords schedules and health effects from the extreme stress of losing my home of 20 years I ended up losing my job of 26 years. 
This caused me to have to withdraw my XXXX and lose my retirement money to put down the deposits on an apartment and utilities. 
By the time I finally found a place I had less than two weeks to get out so I basically had to leave with nothing but my clothes losing all of my photos, collectables, and heirlooms of my late mom.

Due to losing my job nobody now wants to hire me in my hard gotten career field so now I lost that too so that is fifteen years of my life down the drain.

A couple of weeks ago I get a form letter from Wells Fargo with a check for {$200.00} and an apology that due to a clerical error I was wrongly turned down for consideration for mortgage loan modification which cost me literally EVERYTHING! 
XXXX XXXX dollars for what they cost me and the mental pain and suffering is an insult and they owe me WAY more than that.

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 2024-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I would respectfully ask that these accounts be removed immediately. For they are reporting inaccurately and they are damaging my reputation. I have been denied for loans and employment.

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 2024-08-19 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I would respectfully ask that these accounts be removed immediately. For they are reporting inaccurately and they are damaging my reputation. I have been denied for loans and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am devastated. I have been a victim of identity Thief and I am also a victim of human XXXX XXXX. All of my information and accounts have been compromised. After getting ahold of my financial records, I did disputes on fraud charges that was on my account with my bank. My bank has giving me a hard time. They exercised there rights to close my account down. No reason was provided to why they closed my account down. My account is not in negative and Ive been a member for over 4 years. They close my banking needs but allowed me to keep my insurance policies I have with them! My funds are inside my checking and savings and I will not have any access to anything. Usaa stated that the closure process take 60 days. A check wont be mailed out until after XX/XX/XXXX. This is putting me in a financial hardship and causing me to be behind on my bills. I was not notified about the account closure until I tryed to use my card, I called in because my card wasn't working. I was then told about the account closure. When I asked the bank why did they close my account they stated that they didnt have to give a reason and its in the non disclosure agreement that I signed when I first became a member. I asked for proof of that agreement, nothing has yet been sent. I also asked several times for documentation of proof for these transactions being fraudulent and non fraudulent. Still no proof. They only sent me a list of the transactions. Usaa is picking and choosing what transactions to make permanent and what transactions to reverse. All of the smaller transactions was made permanent within 2-3 days of investigating, while the larger transactions was reversed. These transactions made on the same account and same time frame. They are all attached to the same case. I attached the list of transactions below!!

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 2024-08-19 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: GA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
In XXXX I applied for admission to XXXX University, they were in a rush to get me enrolled and I told them I didn't want to enroll until my financial aid was approved and processed because I didn't have money to pay for the classes out of pocket. The Admissions person enrolled me in every class on the degree plan and I expressed my concern because their financial aid office had problems with my paperwork. After several times of trying to get things straightened out with their financial aid office and not being successful, I dropped the XXXX class I had been enrolled in and reached out to the admissions office, to the advisor and to the academic coach to have me withdrawn completely. They took a few days to respond, I reached out to the professor to tell her that I was not going to continue the class. Finally on the XXXX of XXXX the academic coach responded and was confused about me wanting to withdraw, I explained that I didn't want to attend XXXX and to please remove me from all classes. On the XXXX, I finally received an email confirming that I had been dropped. 
I never received any bill from XXXX. On XXXX XXXX or XXXX, I received a call from a collection agency wanting to collect {$3200.00} for XXXX. On the XXXX of XXXX, I received a letter from F.H. Cann & Associates , Inc. also trying to collect. On XX/XX/year>, I called XXXX University and spoke to XXXX from the Financial Aid office and she said that they had emailed me at some email address which was wrong, so I never received an email. I asked her why she had the wrong email when I have emails from the school prior to this and emails from the financial aid office. 
I told her that I wanted verification that I had attended class when they said I did and I wanted those emails mailed to me and she said they don't mail anything. She wouldn't send me any verification. I called F.H. Cann & Associates , Inc and told XXXX that I needed them to verify that account and that I attended because I never attended. I emailed the professor once or twice to let her know that I wasn't going to attend and I told him that I wanted it certified and mailed to me and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 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 U.S. Code 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX  XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am asking for your assistance regarding this incorrect account appearing on my credit report. This issue has harmed my reputation, and I need your help. Your mishandling of my credit report has brought me to my knees because your inaccurate reporting has damaged my reputation. These mistakes must be corrected so I can live peacefully 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction Also the credit bureaus took more tan 30 days to complete the investigation i send them a letter on XX/XX/year> and never got a response and have mailed them more then XXXX  times

Company response to consumer: Closed with non-monetary relief