vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Financial came after my wages I was ordered to pay XXXX $ this included court costs plus my balanced owed. I paid XXXX on XX/XX/year> to XXXX XXXX XXXX office. I called midland and I sent a email of the receipt letting them know it was paid in full. They are still reporting negatively on my credit report I have filed a dispute and sent copies of payment to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
According to the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is on my report 2 separate accounts is paid and both accounts should be removed - see attached. 
XXXX XXXX XXXX XXXX XXXXXXXX - Never late all 3 companies have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
Experian : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 
Thank you. 
Sincerely, 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 2024-07-23 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: PA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Fraudulent accounts added to my consumer report. 

On XXXX XXXX XXXXXX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my TransUnion consumer report from a company named XXXX XXXX XXXX ACCOUNT # XXXX I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights of identity theft victims, those who are identity theft victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Premier checking ( and linked savings ) account on XX/XX/year> at the XXXX XXXX XXXX Branch of Wells Fargo, where I was promised that with an offer code, if I bring in XXXX XXXX  into my new accounts by Day 45 and maintain it through Day 90, I will be paid XXXX XXXX. 

However, upon completing the activities, and not receiving my bonus, I contacted Wells Fargo to inquire about my bonus not posting. To my shock ( this was not told to me by the banker, who has since left Wells Fargo, and was a complete conman, in hindsight ), I was told that a " wire transfer '' does not qualify ( while the representative told me -- which sounded comical -- that I had to deposit money " in branch '' for it to count as a " deposit '' ) and that the system had deemed me ineligible to receive the bonus, and there was nothing they could do. 

I guess the shady conduct of Wells Fargo is not new to anyone who follows finance, and they continue their disgusting practices to this day. By inventing clauses to con customers, and not letting them know about it, they deliberately try to boost their " numbers '' while refusing to honor agreements ( unlike other reputable banks like XXXX XXXX XXXX ). 

I don't know what to say : is it expected that someone carry suitcases full of cash to the branch, to meet their " deposit '' requirement? Or do they expect me to have my employer pay me XXXX in salary in a day to " deposit '' to them? How in the name of XXXX does the most universally accepted form of depositing money -- a wire transfer -- not count? That too, without them telling me beforehand? 

How does Wells Fargo keep getting away with such disgusting, shady business practices; hiring conmen as " bankers '' to sell genuine-sounding lies to rake in business from customers? 

I kindly request CFPB to intervene, and get Wells Fargo to honor their part of the agreement, and pay me the XXXX XXXX  that they owe 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 monetary relief
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to formally request your assistance in resolving an ongoing issue with XXXX Risk Solutions regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with XXXX Risk Solutions over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/year> The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to XXXX Risk Solutions for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), XXXX Risk Solutions is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that XXXX Risk Solutions promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision.

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that XXXX Risk Solutions complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MO

Complaint narrative:
I disputed the accuracy of an account that is called XXXX that was been reported on my credit report as been inaccurate and false. I filed a dispute with all 3 credit bureaus concerning this matter and they came back saying that the matter was been reported accurately and the XXXX account would remain on my credit report. So, I filed a request asking all three credit bureaus for there method of verification used to investigate this matter. This request was filed through the Cfpb portal. I was informed that this request was sent to the credit bureaus on XX/XX/year>. 
The Fair Credit Reporting clear states that the claimant must get the method of verification requested within 15 days of making the request. If the credit bureau is unable to provide that method of verification within 15 days of it been requested then the account been disputed must be deleted from the credit report immediately. A failure to delete the disputed items and a failure to provide a detailed method of verification is a violation of the Fair Credit Reporting Act. I can then file a lawsuit against your company for false reporting and for violating my rights under the Fair Credit Reporting Act. More than 15 days have passed and no method of verification has been sent to me as yet.

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 2024-07-23 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: MO

Complaint narrative:
I disputed the accuracy of an account that is called XXXX that was been reported on my credit report as been inaccurate and false. I filed a dispute with all 3 credit bureaus concerning this matter and they came back saying that the matter was been reported accurately and the XXXX account would remain on my credit report. So, I filed a request asking all three credit bureaus for there method of verification used to investigate this matter. This request was filed through the Cfpb portal. I was informed that this request was sent to the credit bureaus on XX/XX/year>. 
The Fair Credit Reporting clear states that the claimant must get the method of verification requested within 15 days of making the request. If the credit bureau is unable to provide that method of verification within 15 days of it been requested then the account been disputed must be deleted from the credit report immediately. A failure to delete the disputed items and a failure to provide a detailed method of verification is a violation of the Fair Credit Reporting Act. I can then file a lawsuit against your company for false reporting and for violating my rights under the Fair Credit Reporting Act. More than 15 days have passed and no method of verification has been sent to me as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES XXXX  XXXX XXXX DUE TO THESE CIRCUSMSTANCE WITH THE 3 MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFOMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENICE FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/year> I WILLL BE ATTACTHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.

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 2024-07-23 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: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-23 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Unauthorized inquiry by CitiBank NA on XX/XX/year>.

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 2024-07-23 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: DE

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 in those account to be removed.

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX since XX/XX/XXXX. I Did all that was required. XXXX XXXX from collection agency took fraud off and notified all 3 credit agencies and XXXX XXXX by XXXXOscar. 
XXXX XXXX still wanted to contact experian and they say experion will not respond back and they just don't do anything I spent 3 hours on phone tonight with 4 different agents. It is well over 30 days so XXXX XXXX just sends 15 page letter stating they can't ID me even after i sent them all info and they have sent many letters with information about problem! but I have to call after every bi weekly letter because they make no sense. they just say, ignore its pending. or ignore we have you ID 'D So as of XX/XX/XXXX they say experion will not respond and my problem. I looked on my experian app and can see fraud was deleted from my credit report. Called experion over and over to tell them to respond to XXXX XXXX but can't get past automated line they hang up. at XXXXXXXX XXXX got through to experian to tell them to contact XXXX XXXX about it being taken off report. at 2 minutes to 8 after going through verification process that took 10 minutes they said i need fraud dept and is now closed. I explained problem and she said she could not help me. no one will help.

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 2024-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: UT

Complaint narrative:
On XX/XX/year> I made my car payment manually through the BMW financial app. Automatic payment for XX/XX/year> showed {$0.00} due. On XX/XX/year> my bank notified me of being overdrawn as my money market had my money in it as my car payment should not have been withdrawn. I called BMW who informed me that their system does not see the payment not being due and will still pull the payment due. I requested a return of the payment and was told that it would take 15 business days and that they didnt see my first payment on the XXXX was from the website and it was a mailed check. I explained that I have a confirmation code in email from their website. Very predator type automatic payment setup and a lack of correction in a timely matter

Company response to consumer: Closed with explanation