vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Wells Fargo Card Services has violated several of my rights as a consumer. Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation.

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option.

Thank you for your time and prompt action to help me remedy this

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 2024-02-12 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: IL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MD

Complaint narrative:
I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.

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 2024-02-12 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 am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX and other creditor granting companies have told me there is " significance delinquency '' and " negative information '' on my credit report. However, when I go online to check my reports I do not see negative information. My Equifax credit summary says there is " 1 negative '' item in my history, but when I look for that item I am unable to locate it. I requested details about this negative item from Equifax at least three months ago but I have not received any information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I initiated a transfer of my student loan refund into my XXXX XXXX account at approximately XXXX XXXX Subsequently, I enhanced the security settings of my Citibank online checking account, with the intention of bolstering its protection, and transferred the said refund from XXXX XXXX to Citibank. 

Approximately two hours post-transfer, at around XXXX XXXX, I attempted to execute a payment of {$77.00} to XXXX, the XXXX XXXX, through my Citibank account using my Citibank debit card ending in XXXX This attempt, and subsequent attempts, were declined without explanation. Upon trying to access my Citibank account via the mobile app, I discovered that access was denied. Efforts to transfer the funds back to XXXX XXXX were also declined. 

Further attempts to access my Citibank account were met with a message indicating that the account was blocked. Contact with Citibank customer service for resolution was unproductive ; representatives were unable to verify my identity with the information I provided, which had never been an issue in the past. Each interaction with customer service ended abruptly as representatives disconnected the call without offering any resolution or explanation. 

As of this report, I remain unable to access my account. The lack of access to my funds, coupled with the dismissive and unhelpful attitude of the customer service representatives, has left me in a precarious financial situation. The inability to access my own funds, the absence of a clear explanation, and the apparent disregard for resolving the issue lead me to believe that this situation constitutes fraud or theft by the bank. 

I firmly believe that the actions, or lack thereof, by Citibank have resulted in the unauthorized withholding of my funds, constituting a breach of trust and potential fraud/theft. The refusal to grant access to my account or return my funds, despite multiple attempts at resolution, supports this claim.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
Charles Schwab has closed my account by a " business decision ''. They said I can no longer have account with them at any point of time during all my life. I can't even have international account open. I am a US resident and don't have any finacial or law issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: LA

Complaint narrative:
" Dear CFPB-Please see attached files For months I have submitted complaints to XXXXEquifax/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TX

Complaint narrative:
I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response.

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: OneMain Finance Corporation
State: IL

Complaint narrative:
Someone has use my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I made a call and XX/XX/24 and I spoke with XXXX in at I.Q. Data International Inc. at XXXXXXXX XXXX XXXX extension XXXX. I requested documentation in regards to these charges and that I wanted to place this account in disputes. Unfortunately, after I asked for a breakdown of the charges, XXXX hung up on me. I called in 2 more times. The second time I called, the call was transferred to XXXX. The music played and stopped once he got on the line. No answer while I sat on the phone for about XXXX minutes. I told him I could hear them breathing on the line and they refused to answer so I kept the call on hold and called again. Once I tried to merge the calls I realized I was hung up on the second time. During the 3rd call, I requested XXXX 's last name and I was refused that information. I only received his extension after asking more than 3 times. I requested a supervisor to make a formal complaint I was given the wrong email address and hung up on. I left a message to the Supervisor XXXX XXXX at XXXX extension. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
On XX/XX/2024, I learned that an address I did not enter or authorize was on my Experian credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an Experian online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my Experian. Not authorized by me. 
XXXX XXXX XXXX  emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: HI

Complaint narrative:
On XXXX XXXX, 2023, I tried to cancel an order, the vendor said that I couldn't. I have all e-mails with this company and Discover still sided with the vendor. This is not the first disputed case that I have had with Discover and they favored the vendor. I feel as thought Discover is part of a conspiracy ring that is getting a cut from these vendors that don't deliver! 
I've talked with Discover Customer Service and their Dispute cases are totally NOT ON THE SAME PAGE. All the vendor is showing is a packing slip with my address on it. This is not a way to verify that I received my package. Honestly, this whole disputes with Discover has totally killed my integrity as an individual. I'm changing my card after my account is cleared!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
This debt collector " Credit Management LP '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my XXXX credit report. This is not my account and I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.

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 2024-02-12 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:
I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct # XXXX ( Date of last active and date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report.

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate.

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.

Company response to consumer: Closed with explanation