vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I noticed discrepancies in my credit report regarding late payments. These errors do not align with my usual payment record. Kindly fix these mistakes and update my account details.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank opened a business bank account online without my authorization using just my social security number on XXXX. There was no other documentation used to open this account such as XXXX number, Articles of incorporation, a valid government ID or even a deposit of money or proof of address. If any of the above was requested as most banks require my credit would not have been impacted and I would not have to spend hours filing a police report, contacting and writing letters to all the credit agencies. This bank is not doing the proper due diligence required and will be a location for thieves to launder bad checks and gain credit.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo offers a a XXXX Visa credit card and advertises a promotional 0 % APR on balance transfers made within the first 120 days of the credit card being issued. I received this card, however, Wells Fargo is not permitting me to perform an online balance transfer. Wells Fargo representatives failed to provide information or explanation as to why online balance transfers are not permitted.

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 2024-12-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX  Account XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 

XXXX15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : XXXX XXXX A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you, Equifax has received all information that was asked for and is still allowing the account to maintain on my credit report although I sent in all documentation that was needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with 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 my 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 to be removed/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 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!

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 2024-12-31 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$2300.00}

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously tried to resolve these issues directly with them. They are violating my rights, and I am entitled to {$1000.00} for each violation. They must either pay or delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
Company Revvi XXXX XXXX I don't know this company and have not applied for vehicle loan. I didn't know anything about it till I found the inquiry I have disputed and contacted the company they will not help me rold me to go through credit bureau

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
Equifax is reporting false information on to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Cayetano Development, LLC
State: FL

Complaint narrative:
Someone used my social security card to get a apartment

Company response to consumer: Untimely response
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-30 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-30 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:
disputed errors on credit report to be correct and/or proof of the existence of a debt. credit bureau rubber stamped creditors absent proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
disputed errors on credit report to be correct and/or proof of the existence of a debt. credit bureau rubber stamped creditors absent proof of debt.

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 2024-12-30 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXX AM AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} CITICARDS XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRANSUNION FRAUDULENT ACCOUNTS RESULTING XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-12-30 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXXXXXX XXXX  AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: Waterfall Revenue Group
State: DE

Complaint narrative:
This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company do not deleted these two fraudulent accounts from my transunion, XXXX and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Earlier this year I turned American Express into the XXXX ( complaint XXXX ). On XXXX, XXXX incorrectly told me I had an offer from American Express to upgrade my XXXX XXXX card. If I spent {$1000.00} in 6 months ( by XX/XX/XXXX ) I would receive {$150.00} statement credit. I immediately starting spending on my XXXX XXXX card. When I received the paper copies of the offer on XXXX, the offer was on my Blue Cash Everyday card, NOT my XXXX XXXX card. Hence, none of the purchases I made counted toward the {$1000.00}. I called and asked to speak with a supervisor. XXXX said there is nothing she can do. I called back on XXXX and asked to speak with a manager. XXXX again said that there is nothing she can do. So, I turned American Express into the XXXX I received a letter dated XXXX confirming the error ( If you need a copy of the letter, please let me know. I am not sending it with this, as it has both of my account numbers on it ). On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX x XXXX ) from the executive office of American Express. She said she would extend the date to XX/XX/XXXX to spend the {$1000.00} and receive the {$150.00} statement credit, as my first month of spending was on the wrong card. I spoke with her again on XX/XX/XXXX to confirm the offer. I spent the required amount before XX/XX/XXXX, and called her and left messages on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As of today, I have not received a return call from her, nor have I received the promised {$150.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Nelnet, 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 : DEPT OF EDUCATIONXXXX XXXX, has violated my rights. 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.

15 usc 6802 /15 usc 6801

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Problems with Lexington law website trying to request information for the class action lawsuit launched against them but their website is down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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