vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: NY

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX, and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have incorrect addresses on my XXXX, XXXX, and transunion report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX Still XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH

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 2024-01-23 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I am writing to dispute the medical bill I received for the XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX. I believe there has been a misunderstanding regarding the billing process, and I would like to provide you with the details of my situation. 

To provide some context, I had informed XXXX XXXX of a change in my insurance coverage before the XXXX XXXX took place. Despite this, I did not receive a bill for the procedure for over XXXX months. Instead, I was surprised to receive a call from a collections agency, indicating that the bill was in arrears. 

I have made several attempts to resolve this matter by reaching out to XXXX XXXX through various channels, including emails. Unfortunately, my efforts have been met with unresponsiveness. I have documentation of multiple email correspondences where I sought clarification on the billing matter, only to receive no reply. 

Moreover, after discovering that the email address provided by XXXX XXXX was false, I made additional attempts to communicate with your billing department. I have records of phone calls made to both XXXX XXXX and XXXX XXXX, where I tried to address the issue and obtain a resolution. Despite being assured by several individuals that the matter was taken care of, I have now received a debt collection bill for the same procedure. 

In my pursuit of a resolution, I have also involved my legal representative, who is actively working on this case. I have provided phone records, email exchanges, and other relevant documentation to support my claim. However, despite these efforts, the issue remains unresolved. 

I am deeply concerned about the impact this situation may have on my credit and overall financial well-being. I am willing to cooperate and provide any additional information necessary to facilitate a prompt and fair resolution to this matter. 

I kindly request a thorough review of my case and a response detailing the steps taken to rectify this billing discrepancy. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Their written opinion of XX/XX/XXXX : " Our research indicates that claim XXXX was initiated on XX/XX/XXXX for the {$200000.00} online cash advance processed on XX/XX/XXXX. This claim was denied on XX/XX/XXXX, as the investigation shows the advance was made through a secure online banking session by you or someone who had your authority. We have enclosed a copy of the letter dated XX/XX/XXXX which explains the outcome of your fraud claim, for your review. '' Their letter of XX/XX/XXXX : " We've finished researching your fraud claim regarding online advance totaling {$2000.00} on your account ending in XXXX. Our research shows the advance was made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the advance was authorized. We have closed your claim. 
Claims Assistance Center, Online Fraud Claims '' Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
I'm having financial difficulties keep a positive balance in my Cash App account. Every other day, week, or month my account is compromised with negative balances on the company 's behalf and every time I reach out to find a resolution, I get hung up on or the run around with the chat support. This most recent incident has put my account in a negative balance of - {$15.00} due to a bank transfer that supposedly took place Friday, XX/XX/XXXX, at XXXX. They 'returned " the money that was never there, causing the infraction to my account. I reached out numerous times in the app and on the phone, only to be ignored, hung up on, and threatened by the agents at their offices. Previous to this, there was a transaction from XXXX in XXXX of XXXX with a provisional hold of {$25.00}, I was supposed to get the {$20.00} back from that transaction but I was laughed at and threatened at that time as well. As I type this complaint, no resolution has been found. I'm following the chain of command on this before I initiate a class action against Cash App because at this point, they are getting out of hand with the constant banking fraud, that is seemingly unchecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
I provided a police report and ID theft affidavit to all credit reporting bureaus. This agency is the only agency that failed to address the problem My Identity was stolen and the accounts below were open without my authorization and are still reported as accurate on my credit report. I have taken legal action and will seek damages as I have been terminated by my employer as a professionally licensed medical professional for not complying with background clearance. The accounts & inquiries below are not mines nor have I had any access to them. 



XXXXXX/XX/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 2024-01-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My Best Buy Visa credit card issued by CITI Bank North America was used by person ( s ) unknown to me to make unauthorized purchases totaling over {$4600.00} between the period XX/XX/XXXXXXXX  and XX/XX/XXXX. I disputed the fraudulent charges. However, Best Buy Credit Services is holding me responsible for a {$800.00} and {$1300.00} charge to an entity called XXXXXXXX XXXX that I did not make or authorize. During the same period that the fraudulent charges were made the thieves stole my identity contacted Best Buy and changed my home address and the billing statement language from English to XXXX. Copies of my billing statement for that period clearly shows the fraudulent address in XXXX XXXX, FL instead of my correct address in XXXX, FL. Currently the {$2100.00} charges I am being held responsible for have increased to {$2700.00} and is reported as delinquent with the three major credit reporting agencies ( XXXX. XXXX, XXXX XXXX ). Even though I did not lose my Best Buy Visa credit card, nor was it stolen, this is the second time the credit card was compromised. In XXXX someone made unauthorized charges to the credit card in the same manner the fraudulent charges were made in XXXXXXXX I am being billed for charges I did not make and because I refuse to pay thiI want to be reso is affecting my credit rating.

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 2024-01-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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

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 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i called the credit reporting agencies to inform them that the inquiries highlighted in the document below should not be visible on my credit report. I never gave them written consent to report them. by law this is considered " Aggravated identity theft '' under 18 U.S. Code 1028A

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 2024-01-23 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My XXXX and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
Nel-Net Had my student loans until XXXX took them over. 

Nel-Net is still reporting it on my credit reports as a debt. I called Nel Net and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of Ed/Nel-Net is not collecting. 
XXXX is and it is a double debt.

Company response to consumer: Closed with explanation