vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Wells Farg

o Fraud in the Inducement Regarding Promotional Bonus To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo Bank , N.A . for what I believe constitutes fraud in the inducement related to a promotional offer for opening a checking account.

On [ Insert Date You Opened the Account ], I opened a Wells Fargo checking account after speaking with a representative over the phone. During the call, I was assured that if I deposited {$1000.00} and maintained that balance for 90 consecutive days, I would receive a {$320.00} bonus within 30 days of meeting the terms. Based on this representation, I opened the account and followed all instructions provided.

However, after completing the 90-day period and not receiving the promised bonus, I followed up with Wells Fargo over the phone. I was advised to visit a nearby branch for further assistance. At the branch, I was informed that I was required to enroll in direct deposit to qualify for the bonussomething that was never mentioned during my initial phone conversation. The branch representative further stated that this requirement was buried in the account disclosures provided at the time of opening. 
This situation exemplifies fraud in the inducement, as I was verbally promised one set of terms, which led me to open the account and deposit my funds, only to be later told that additional, undisclosed requirements applied. Wells Fargo can not legally provide misleading verbal instructions and then rely on complex or hidden disclosures to avoid fulfilling their promises. 

I am requesting that the CFPB investigate this matter and hold Wells Fargo accountable for deceptive practices. I am also seeking that Wells Fargo honor the originally promised {$320.00} bonus as communicated over the phone.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My loan from XXXXXXXX XXXX was removed from all XXXX credit bureaus this loan was paid in full and closed I believe it was accidentally deleted and not intentional I need the loan added back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My loan from XXXXXXXX XXXX was removed from all XXXX credit bureaus this loan was paid in full and closed I believe it was accidentally deleted and not intentional I need the loan added back

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm having to re-dispute an inaccuracy on my credit report. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX notifying me of a collection for XXXX insurance in the amount of {$380.00}. I promptly mailed a certified letter to them dated XX/XX/XXXX notifying them that I was disputing the debt because I do not owe it and for them not to report the inaccurate information to any credit bureaus. I then followed up with a second certified letter to them dated XX/XX/XXXX asking them to verify the debt per the Fair Debt Collection Practices Act. I pointed out that their notice to me was supposed to contain more extensive information, such as a statement advising me of my rights under the FDCPA, including a statement that I have the right to dispute the debit within 30 days in addition to a returnable form allowing me to declare if I am disputing the debt and allowing me to select a reason for a dispute and that it must comply with federal law. 

I also noted that their letter should contain an itemized date and other information such as the acct number associated with the debt, an itemized list of any payments made, etc. Their notice did not contain any of that information. ( See their notice and my letters attached ). 

Instead of complying, XXXX immediately reported the inaccurate information to the credit bureaus Experian and Equifax around XX/XX/XXXX. I then disputed it directly with the bureaus where they returned with the result of it remaining on my credit report. In XX/XX/XXXX, AFTER reporting it to the bureaus and after I had already submitted the dispute to the bureaus, CCS began sending me letters in plain envelopes with no proof of mailing dates, no sort of stamp from the post office to show when it was actually mailed, while back dating the letter to make it look as if they responded to me within the reasonable time frame, using a date of XX/XX/XXXX on the letter. They also enclosed what appears to be a final bill from XXXX. 

I was never notified about this matter until their first letter, dated XX/XX/XXXX and wasn't given reasonable time to look into it before they placed it onto my credit report. This is fraudulent and I do not owe XXXX anything.

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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ALL WESTERN MORTGAGE
State: NV

Complaint narrative:
When my loan was transferred back to All Western Mortgage while in the middle of receiving XXXX assistance from the home preservation dept., it was transferred back to ALL Western Mortgage. I made XXXX payment then due to hardship situations I got behind.When I asked multiple times to catch up after XXXX payments behind but was not allowed they stated due to no such catch up assistance or forbearance plans within their company only to be told it would be sold or pay XXXX unreasonable amount that is almost TRIPLE what the payments would be for the past 10 months. So I went to XXXXXXXX XXXX to get assistance to no avail .I also contacted XXXX XXXX XXXX XXXX XXXX for assistance and they have not received a response as well. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. advised to file bankruptcy at last resort due to time. This is not what I wanted to to please assist me in saving my home for my family. please advise as soon as possible as this is very urgent. Thank you have a XXXX day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

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 2025-02-19 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: IL

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 explanation
Consumer complaint received 2025-02-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding the repeated failure of Equifax, Experian, and TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, inconsistent, and unverifiable information on my credit report related to XXXX Account # XXXX. Despite multiple disputes submitted directly to each credit bureau and the creditor, the erroneous information has not been corrected or removed, violating my rights as a consumer under the FCRA. 

Details of the Dispute & FCRA Violations Inconsistent Account Opening Date TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX FCRA Violation : 1681e ( b ) Failure to ensure maximum accuracy.

Different High Credit Limits TransUnion & Experian : {$49000.00} Equifax : {$13000.00} FCRA Violation : Reporting incorrect credit limits impacts credit utilization and overall creditworthiness. 

Conflicting Last Reported Dates TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX FCRA Violation : Credit bureaus must report consistent and verifiable data. 

Different Date of Last Activity & Payment TransUnion : XX/XX/XXXX | XX/XX/XXXX Experian : XX/XX/XXXX | XX/XX/XXXX Equifax : XX/XX/XXXX | XX/XX/XXXX FCRA Violation : If data can not be verified, it must be removed under 1681i ( a ) ( 5 ).

Charge-Off & Payment History Conflict Equifax reports a 30-day late after charge-off, which is inaccurate.

A charge-off means the lender wrote off the debt, so additional late marks should not be reported.

FCRA Violation : Misrepresentation of delinquency under 1681e ( b ).

Failure to Address Disputes & Repeated FCRA Non-Compliance I have sent multiple dispute letters to Equifax, Experian, and TransUnion, requesting that this inaccurate and unverifiable account be deleted per FCRA 1681i ( a ) ( 5 ) ( A ), which states : " If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. '' Despite these disputes, the credit bureaus have failed to comply. They have continued to report false and inconsistent information, violating their duty to maintain accurate consumer credit files.

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 2025-02-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hey I went to a Truist bank and got my account closed. They told me that I wouldnt be receiving my direct deposit and would send it back to the sender. My employer said that it got sent days ago and they never closed my account which was supposed to been a paper check

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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
We have a mortgage with Shellpoint Mortgage Servicing and I have sent several written requests through the online portal to request an appraisal of our property so we can raise the value of our property and eliminate our PMI. I have also called at least 4 times and spoken with multiple supervisors, and have been told that a letter was being sent that day giving me all the information on how to request that loan re-appraisal through Shellpoint. Only to then get a letter in the mail 2 weeks later letting us know that we do not meet the requirements to terminate our PMI. I have not had anyone be able to give me direct contact with anyone in the PMI department, not even a manager or supervisor. Our property is worth at least double what we purchased it for now, 20 years later, and yet there is no channel of communication available to me to request this appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am requesting verification regarding a debt that was charged off by comenity bank. According to IRS guidelines, creditors must issue a 1099-C form for canceled debts over {$600.00}, yet I have never received one for this account. I have made multiple attempts to obtain this form directly from comenity bank but have not received a response or the necessary documentation. Without it, I can not properly address potential tax implications or confirm whether the debt was officially forgiven. Additionally, if this debt was reported as income, it should no longer be classified as a charge-off, as income can not be considered debt. Therefore, I request that this charge-off be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
On XX/XX/year> I paid off my SCHOOL LOANS via Aidadvantage. A representative assured me that the Credit bureaus were notified. At present day all 3 credit bureaus list a BALANCE OF {$150.00}. 

I reached out today to inquire further. XXXX a rep claims the credit bureaus were notified and yet the debt remains on my Credit reports 1 month later after the debt was PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have mailed written letters to Equifax and TransUnion requesting that certain hard inquiries that I do not recognize be removed from my credit report. 
Such as : XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( this one is from when I was helping my daughter do her fasfa ) not that I was inquiring

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To whom it may concern, I requested information of this alleged Debt with code 15 USC 1692g with a purchase agreement, with a wet signal, with detail charges of items and a chain of title with, forward flow agreement and chain of title with any insurance claims on this alleged debt. Information not sent.

Company response to consumer: Closed with explanation