vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: KY

Complaint narrative:
I got a random email from XXXX stating that I asked for a verification of some sort at XXXXXXXX XXXX on XX/XX/year>. 
I have never signed up for a wisely account and would like to have this account closed by any means necessary. I have tried calling them by the phone numbers on their website, but no one picks up for me. I would like to make sure there is some sort of block to ensure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/year>, I opened a Premier Checking account under the following terms : To receive the {$2500.00} bonus, you must : Upgrade to a Premier Checking account or open a new Premier Checking account by XX/XX/year> AND Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day XXXX and maintain at least a {$250000.00} balance through Day XXXX after account upgrade or opening. 
Qualifying linked accounts include ( a ) consumer bank deposit account balances ( checking, savings, time accounts ( CDs ), XXXX IRAs ) and ( b ) investment account balances ( investments available through our affiliate Wells Fargo XXXX XXXX XXXX Excludes applicable bank fiduciary and custody accounts. 
New deposits received into qualifying linked accounts up to XXXX calendar days before the bonus offer code is applied to the Premier Checking account will count towards the offer qualification requirements. Please see a banker for details. 

I have fulfilled all of these terms and day XXXX was XX/XX/year>. Yet, I still haven't received the bonus which was promised 30 days after day XXXX. This period ended 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 monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Plaintiff filed a Complaint for Money against Defendant on or about XX/XX/XXXX. The summons was served to an XXXX elderly individual, XXXX XXXX on XX/XX/XXXX. See XXXX for XXXX XXXX. XXXX. Although, XXXX XXXX signed the summons on XX/XX/XXXX, I, XXXX XXXX never received notice of the documents filed at the XXXX XXXX XXXX. XX/XX/XXXX, Plaintiff filed its Motion for Default Judgment, and ultimately, the Motion was granted by the Court on or about XX/XX/XXXX. In recent, Plaintiff filed a Motion to Revive a Dormant Judgment and after being served on XXXX XXXX, I filed an answer with the court. See XXXX for XXXX XXXX. XXXX. A Revivor Hearing was held XX/XX/XXXX, and magistrate, XXXX XXXX, granted the Revivor Motion without reviewing any documentation. XX/XX/XXXX, I, XXXX XXXX filed a Civil Motion to Vacate and Dismiss Judgment and Plaintiff, XXXX XXXX XXXX has failed to respond to the court within the requested timeframe. 
The summons filed reflects incorrect information and I have filed an Affidavit in which I never was put on notice regarding the filing of this complaint. This complaint pertains to an account that was entered into a payment plan with Credit Advocates Law firm in XXXX and specified account/ debt has been satisfied. After 10 years, past the statute of limitations, XXXX XXXX XXXX XXXX wants to pursue a Default XXXX that was served upon the incorrect individual. I have lived in the same home, same employment and have had the same bank account information yet after so many years, this " debt '' is not even reflected on my credit report. 
There is an open dispute with XXXX XXXX XXXX XXXX and I have also requested documents from them on XX/XX/XXXX, and XX/XX/XXXX and as of today 's date, I have yet to receive any information. XX/XX/XXXX, I filed a Motion with the court to Vacate and Dismiss and XXXX XXXX XXXX XXXX was to respond to said motion by XX/XX/XXXX and they have failed to respond to the court as well.

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 2024-07-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX and list of Inquiries. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: World Omni Financial Corp.
State: GA

Complaint narrative:
TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A SE/TOYOTA VEHICLE I WOULD LIKE FOR THE CAR TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637B.SETOYTA XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/2020 {$46000.00} INCLUDED IS POLICE REPORT FILED AS REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
To Whom This May Concern, SOUTHWEST CREDIT SYS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( SOUTHWEST CREDIT SYS ) communicating with me through email/text/calls. I would also like to request the purchase agreement between SOUTHWEST CREDIT SYS and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
Dear CFPB My name is XXXX XXXX. Address XXXX XXXX XXXX, XXXX, MI, XXXX. I am writing to formally complain about the prolonged suspension of my Square account and the inability to withdraw my funds. My account has been suspended for over XXXX months, which has caused significant financial hardship and inconvenience.Extended account suspension without clear explanation.I have made multiple attempts to resolve this issue through your customer support channels, but have not received a satisfactory response or resolution. This situation is unacceptable, as it effectively amounts to Square withholding my rightful funds without due cause. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since XXXX  2024, XXXX/BMO has been reporting that home equity loan has been paid XXXX  days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been XXXX  days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, BMO sent a letter requesting an additional XXXX  days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.

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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX refund was refunded to Cashapp on XX/XX/2024 and as of today they claim they are not holding it but it is not available in my account as promised. Their own policy states deposits are available two days in advance and it's currently two days AFTER the issues date, sent by XXXX XXXXXXXX. Direct deposits are cleared funds therefore it should be in my account since today marks two business days or at the very least showing as pending but neither is the case. Cashapp representatives refuse to provide me information on this transaction and also claim to not " see it '' but at the same time says it takes 1-3 business days or 5 business days to be available. The school shows a refund issued on XX/XX/2024. Other students have already received their funds with the same issue date but not me. Cashapp claim they have XXXX business days to make the funds available which is not in my best interest. The funds are needed to purchase XXXX supplies and the unnecessary hold and lack of transparency on behalf of Cashapp make it extremely unfair for me to do that. I have contacted Cashapp via phone on a recirded line and through in app support to which I was told contradictory statements made on behalf of their representatives. The supervisor over the phone stated that I would see the funds in my account today XX/XX/2024 after speaking with her yesterday XX/XX/2024. They have not made the funds available to me and continue to be discreet about availability. This is unfair to me as the consumer and legally entitled receipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-07-16 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: TX

Complaint narrative:
EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE HARD INQUIRIES ARE STILL STRESSING ME OUT AND MAKING ME XXXX XXXX. PLEASE HELP PERMANENTLY REMOVE THESE.

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 2024-07-16 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: NE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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 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