vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: NC

Complaint narrative:
Subject : Formal Complaint Against Equifax Regarding Mishandling of Identity Theft Dispute Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for the mishandling of my identity theft dispute, which I initiated on XX/XX/year>, via the Consumer Financial Protection Bureau ( CFPB ). My complaint relates to Equifaxs failure to attach critical documents I submitted to support my case and their apparent lack of timely action in resolving this urgent matter. 

On XX/XX/year>, I contacted Equifax to inquire about the status of my dispute and verify whether the documentation I had submitted was received. I was informed that my dispute was under investigation. However, I was also told that no documents had been attached to my case. This is highly concerning, as I uploaded several items of material evidence, including medical records, through the CFPB portal at the time of initiating the complaint. 

The CFPB complaint numbers are as follows : XXXX XXXX XXXX The evidence I provided, which includes medical records, is essential to substantiating my claim of identity theft. Yet, Equifaxs mail-in department has failed to attach these documents to my dispute, causing unnecessary delays. Given the urgency and federal guidelines surrounding identity theft disputes, Equifax is required to resolve such matters within four business days. 

Today marks the third business day, and my documentation remains unprocessed. On XX/XX/year>, Equifax representatives confirmed that my documents were still not attached to my dispute. This raises serious concerns about Equifaxs commitment to resolving disputes in compliance with consumer protection laws.

To ensure my case is handled properly and without further delay, I am resubmitting the information and requesting the XXXX XXXX XXXX assistance in holding Equifax accountable. Specifically, I seek the following : 1. Immediate attachment and review of the documents I provided to support my dispute.

2. A timely resolution of my identity theft complaint, including the removal of the disputed item from my credit report.

3. Assurance that Equifax will adhere to applicable regulations and timeframes for dispute resolution moving forward. 

Please let me know if additional information is required to process this complaint. I appreciate your attention to this matter and look forward to your assistance in ensuring Equifax fulfills its obligations promptly and responsibly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
In XXXX XXXX was sued in Federal Court for misappropriation and fraudulent reporting to all credit bureaus of my student loan payments. This is nothing new. I paid XXXX in full on XX/XX/XXXX, within the grace period, much before the late charge. XXXX transferred servicing my student loan to " Mohela '', but XXXX took my XX/XX/XXXX payment and did not apply it to the new Mohela account. Now Mohela is harassing me for the XXXX payment, saying it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I rented a car with XXXX car rental and they gave me a final invoice of {$1500.00} which was total charges I paid in full on XX/XX/year>. As per XXXX receipt I owe nothing this was given to WellsFargo. 

After that XXXX charged me an extra {$410.00} for no reason. XXXX has never provided me a receipt, bill, or any explanation in writing or mail or email. XXXX never returned my calls. I was never sent a bill from XXXX for {$410.00} I was never shown what they gave WellsFargo. When I went to meet with the Wells Fargo banker in person on XX/XX/year> myassa.boulil. I provided her proof of my receipt and final bill. Wells Fargo billing department told the banker myassa.boulil that they will make their decision on 10 days. Wells Fargo took over a month and decided on XX/XX/year> to charge my checking {$410.00} for no reason and no explanation. 

I want my refund of the {$410.00}. XXXX never provided anything in writing, a bill, contract or in any communication that I would be an extra {$410.00} dollars. They never returned my calls either. This fraud and I am being charged for {$410.00} for no reason. 

XXXX XXXX XXXX # XXXX {$410.00} 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 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Reporting XXXX XXXX XXXX XXXX XXXX  Dear Experian Representative, I am writing to formally dispute the information reported on my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. Please refer to the details of the disputed account below : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The information being reported is inaccurate. This account has been paid in full and transferred to a new address. As such, I respectfully request that this account be removed from my credit report immediately, as it no longer reflects my current financial standing. 

To assist with your investigation, I have attached the following documents : A copy of the confirmation of payment and account closure from XXXX. 
Proof of the transfer to the new address. 
A copy of my identification ( drivers license or government-issued ID ). 
A copy of a recent utility bill or another document to verify my current address. 
Please review these documents and correct this error by deleting the inaccurate account from my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the investigation and necessary updates to my credit report be completed within the legally allowed 30-day time frame.

I would appreciate receiving written confirmation once this matter has been resolved. Should you need any further information from me, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding an unreasonable and restrictive policy implemented by the Bilt Mastercard, issued by Wells Fargo, which has caused me financial harm and unnecessary frustration. Specifically, the Bilt website prohibits users from submitting more than one credit card payment within a 24-hour period. This policy directly led to my account incurring an interest fee of {$82.00}, which I am requesting to be waived immediately.

The 24-hour payment restriction is highly problematic for the following reasons : XXXX XXXX and XXXX : The restriction limits cardholders ability to manage their finances effectively, particularly in situations where multiple payments are necessary. 
Unintended Missed Payments : This policy prevented me from resolving my account balance in a timely manner, leading to an unfair and avoidable interest charge. 
Unfair Financial Penalties : The late fees and interest charges resulting from this policy penalize responsible users attempting to stay on top of their obligations. 
I believe this policy is an unreasonable impediment to responsible financial management and poses unnecessary risks to cardholders. As a result of this issue, I am requesting the following resolutions : Notification to Impacted Customers : Bilt and Wells Fargo should notify all cardholders affected by this policy and ensure they are aware of its implications moving forward.

Accountability Measures : I request that the CFPB investigate whether this policy constitutes a broader violation of consumer protection laws and assess whether Wells Fargo and Bilt have been transparent in disclosing this restriction to cardholders. 
This matter is urgent, and I expect prompt action to rectify the financial harm caused to me. Furthermore, I urge the CFPB to evaluate the broader implications of this policy for other consumers who may be similarly impacted.

Thank you for your attention to this serious issue. I look forward to your response and updates regarding actions taken to address this matter and my specific requests.

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 2024-11-24 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I had XXXX credit cards with XXXX  XXXX company. Over a XXXX period they had XXXX incorrect charges that were not mine. After I made phone calls and sent letters with detailed backup XXXX XXXX eventually admitted they made errors and reversed the charges. In XX/XX/XXXX both cards were paid in full, and they were both cancelled. In late XX/XX/XXXX they claimed that I owed XXXX re-occurring charges of {$21.00} XXXX. to XXXX XXXX company .

After multiple calls to XXXX XXXX and XXXX XXXX they eventually saw that they made an error. XXXX confirmed to them that I never had an account or reoccurring charges with them paid by a XXXX  XXXX charge card or any card. XXXX XXXX sent me a letter that these charges would be reversed. They were also reminded that both cards were paid off and cancelled. At the end of XX/XX/XXXX, I received a statement claiming I owed {$730.00}. I called them, told them they were XXXX  and not to bother me. Next, I received a demand letter from Resurgent Capital, XXXX XXXX. I called them. They sent information showing they purchased my account from XXXX XXXX. I attempted to explain over the phone. That did not work. I sent a certified letter with back-up documents XXXX XXXX. I asked for proof that I owed this. They replied and said they reviewed my information and do not agree with me. No proof that I owed this was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
The credit Bureau is reporting inaccurate information on my reports an I have them to remove the inaccurate information in writing an via telephone.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
On my credit report it shows my XXXX payment is not current I reached out to Barclay 's and they stated it is current and it shows on time payments on their end.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Dater of Birth : XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) that you the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account open at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XXXX XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, and a collection account added from eastern account XXXX  opened on XXXX XXXX, and a collection account added from XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and collections and charge offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and Hard inquiries are the result of identity theft and fraud.

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 2024-11-24 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: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following 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 2024-11-24 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request -XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$24000.00} ), ( XXXX XXXX XXXX XXXX DATE OPEN OPEN XXXX XXXX AMOUNT {$480.00} ), XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$200.00} ), XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$3100.00} ), ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$950.00} ), ( XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX ), ( XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPEN XXXX XXXX INQUIRIES- ( XXXX XXXXXXXX DATE XXXX XXXX ), ( XXXX XXXX XXXX  DATE XXXX XXXX ), ( XXXX XXXX DATE XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX DATE XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  DATE XXXX XXXX ), ( XXXX XXXX DATE XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-24 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: DISCOVER BANK
State: NY

Complaint narrative:
I have contacted all three credit bureaus by notarized certified receipt mail requesting that the XXXXXXXX XXXX XXXXXXXX account be removed, as well as the DISCOVER BANK account # XXXX, from my credit report being that they are not my accounts. My XXXX credit report is showing that the XXXX account is 9 years and 7 months old, and the DISCOVER BANK account is 30 years and 7 months old. 

I have been a victim of identity theft on the XXXX XXXX and that information is reflected across all three credit reporting websites. The information does not reflect my credit use or history, and I am absolutely pleading with your company to have the information corrected and removed from my credit report immediately. I would greatly appreciate your help because it has been more than two years and I'm still very eager to have these items removed. Please, and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Nv XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX  XXXX XXXX  Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Account Reporting XXXX XXXX XXXX XXXX XXXX  Dear XXXX Representative, I am writing to formally dispute the information reported on my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account. Please refer to the details of the disputed account below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The information being reported is inaccurate. This account has been paid in full and transferred to a new address. As such, I respectfully request that this account be removed from my credit report immediately, as it no longer reflects my current financial standing. 

To assist with your investigation, I have attached the following documents : A copy of the confirmation of payment and account closure from XXXX. 
Proof of the transfer to the new address. 
A copy of my identification ( drivers license or government-issued ID ). 
A copy of a recent utility bill or another document to verify my current address. 
Please review these documents and correct this error by deleting the inaccurate account from my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that the investigation and necessary updates to my credit report be completed within the legally allowed 30-day time frame. 

I would appreciate receiving written confirmation once this matter has been resolved. Should you need any further information from me, feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation