vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
on XX/XX/XXXX two ( 2 ) checks from XXXX with the same amount of {$92.00} were deposited via a mobile deposit. Check # XXXX & check # XXXX were deposited. On XX/XX/XXXX Wells Fargo debited the account, stating that the check was posted twice. On XX/XX/XXXX the back then posted a debit return to the account in the amount of {$180.00} ( {$92.00} x 2 ) because of a 3rd party deposit that was not acceptable. Therefore, a total of {$180.00} was deposited by {$270.00} was debited back against the account. We have contacted the bank personally to no avail. We issued a complaint with the bank, which they informed us that the check was a duplicate deposit, which it is not give the two different check numbers that were originally issued. We went back to the bank again and are still unable to get them to see the error and that they owe us back {$92.00}.

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 2024-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
I sent multiple emails regarding the issue trying to activate the card

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I opened an account with a banking company- they provided me an account number on the day I opened the account XX/XX/XXXX and on XX/XX/XXXX they sent an email stating that they are closing the account. Per 15 U.S.C. 1681 - The banking system is dependent upon fair and accurate credit reporting. This bank did not perform this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my TransUnion credit report and Transunion is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX  stating this loan has never been defaulted

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 2024-04-09 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: OH

Complaint narrative:
I received a copy of my XXXX credit report and XXXX is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX stating this loan has never been defaulted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a copy of my XXXX credit report and XXXX is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX stating this loan has never been defaulted

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA XXXX, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.

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 2024-04-09 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA XXXX, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I send my mortgage payment 10 days in advance via my personal bank bill-pay. On XX/XX/2024 I received my monthly statement that upon review I found that the monthly payment was short by about {$60.00}. I called Rocket Mortgage to pay the default amount and to correct this matter. Rocket Mortgage could not find any default and stated that my loan payment was up to date after being on hold for a considerate amount of time. I told them that that was incorrect, and then the phone line was dropped. I called again and made an extra payment of {$200.00} to cover any default of payment, which the person on the other side of the line said that it was not necessary because there was no default in payment. The next day, Saturday, I got this letter from Rocket Mortgage stating that I am charged a late fee because a default in payment ; I went to my online banking and added a {$200.00} payment via bill-pay. So, on Monday XX/XX/2024, I called and asked to reverse the late fee because the persons whom I spoke to didnt disclose the late fee information. They told me that to reverse the charge is not possible because the default payment has been paid. With this I reluctantly enrolled into automatic payment via Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Patient : XXXX XXXX XXXX [ XXXX XXXX XXXX  on this email ] to STOP collections. 
Patient : XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS REF : XXXX XXXX : XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX We would like to stop the process of collections- as we have tried to sort this dispute for months without getting a firm response on how to find a solution from any of the parties. 
Weve provided all proof needed of paid bills that were my resposability, including credit card stamens and receipts. When we spoke to entities last year- they confirmed they would be under investigation And not to pay any fees until we received and outcome but it was never resolved. 

WE hace continued to inquire and we do not want any debt or collections affecting our credit, We have contacted both entities in several occasions and they keep passing the reputability from XXXX XXXX XXXX XXXX without any resolution. 

We tried for months to reach out via portals, websites, e-mail [ see XXXX ], spoken to staff and medical office and calls and we keep going in circles. 
After receiving attacheed letter- we are following up with dispute claim based on instructin. 

At this point we would like to dispute ALL the amount or be informed and finally clear any discrepancies to put this to bed, We will contact the XXXX XXXX XXXX to request the right to STOP or limit contact as we do not know what else to do and getting continious letters of pending debt is troubling the patient and causing negative health effect for something weve been willing and insistent to resolve for months. 


Please advise on resolution or different action to clear and be able to move forward. 
Thank you. 




XXXX 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 2024-04-09 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: FL

Complaint narrative:
To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to XXXX XXXX XXXX Section XXXX XXXX ( d ) ( XXXX ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: MI

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I tried to dispute all of the hard inquiries because regardless if I had looked up something that didn't mean that everybody else could just look at my credit and now I have no credit or bad credit and I can't figure out how to get a credit score so that I may refinance something or be able to get credit I'm just having a hard time getting them to understand that I need help with my credit report and my credit score trying to fix it and no one wants to help 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 explanation
Consumer complaint received 2024-04-09 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: MD

Complaint narrative:
I think FCRA 605B means we need to delete the wrong stuff from my credit report. Can you check the papers? Some accounts listed have the wrong info about what happened and when.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several years ago I placed freezes on my credit report following identity theft. Equifax was XXXX of the freezes. Recently I tried to remove that freeze and was denied access to my account repeatedly. I changed the password, as directed, and then tried to log in with the new password to no avail ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information to the credit bureaus. 
XXXX XXXX XXXX is reporting a balance of {$9500.00} which is incorrect. The balance is {$0.00}. 
XXXX XXXX XXXX is also reporting late payment for XX/XX/XXXX, which is incorrect. 
The payment was not late for XXXX. The final payment was due XX/XX/XXXX and the payment was made XX/XX/XXXX in the amount of {$3500.00}. 

XXXX XXXX XXXX has also reported the following payments as late however, the payments were not late. The due date is the XXXX of each month with a XXXX grace period so the payments are not late until the XXXX of each month. 
Monthly payment amounts {$430.00}. 

Payment date Status Amount XXXX {$3500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$430.00} XXXX {$400.00} XXXX {$100.00} XXXX {$210.00} XXXX {$430.00} XXXX {$100.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00} XX/XX/XXXX Completed {$430.00}

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 2024-04-09 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: MN

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: MN

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XXXX XXXX Balance XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date opended XX/XX/2022 Balance XXXX 15 USC 1692c ( c ) that law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. I am a XXXX XXXX XXXX  and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Experian has refused to block the items in my credit report that are directly linked to XXXX XXXX. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute three times, preventing me from exercising my rights as a victim of XXXX XXXX. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please only respond with email or phone call ) 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 2024-04-09 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: SC

Complaint narrative:
XX/XX/XXXX - I received a copy of my Experian consumer report XXXX XXXX. My Experian consumer report is showing XXXX Bankruptcy XXXX public record. And I DID NOT give Experian my express written instructions to enter the public record on my consumer report. And US Bankruptcy Court has notified me in writing that they DO NOT report to any credit report agencies - see the attached letter directly from the US bankruptcy Court. Experian has violated my rights According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. And the Experian has violated privacy rights according to the privacy act of 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