vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo advertised a savings bonus offer in early XX/XX/2023. 
the offer was XXXX which was set to expire as an offer on XX/XX/2023 The terms were as follows : 1. Sign up your existing XXXX XXXX XXXX  saving account for this offer by going to a branch and having a banker apply your bonus offer code to the account. 
I signed up at a XXXX VA branch on XX/XX/2023 with XXXX. 
2. Deposit {$25000.00} or more in new money to your way to save savings account by day 30 from the account sign up and maintain at least {$25000.00} balance through day 90 after account sign up. 
I made a deposit of {$25000.00} at the same XXXX branch on XX/XX/2023 directly into " way to save '' account, XXXX was present and aware of the deposit. 

Bonus payment : We ( Wells Fargo ) will deposit your bonus into your " way to save '' account within 30 days after youve met all other requirements. 

First, in addressing calculation of " 30 days after youve met all other requirements '', it could be argued the " 90 day '' clock for the offer began with XX/XX/XXXX " sign-up '', but even if we start with the XX/XX/XXXX deposit, day 90 is reached on XX/XX/2023. 30 days from XX/XX/XXXX is XX/XX/2023. 

It is now XX/XX/2023 and I never received the promised {$520.00} into my " way-to-save '' account. Wells Fargo is clearly in breach of this agreement. 

At a most generous reading of the agreement, which Wells Fargo has clearly breached, My tying up {$25000.00} for 120 days to receive {$520.00} is equal to an annual % rate of XXXX or {$4.00} per day. {$520.00} divided by the 120 days as a percentage of the {$25000.00}. 

On or about XX/XX/XXXX I went into the branch where I had signed up and spoke to XXXX. She confirmed that I had done all thing required and said she would put in a " request '' for further explanation. 

I have heard nothing further. 

It has now been 21 days from XX/XX/2023 at {$4.00} per day, that's another {$91.00} at least that I am owed I believe the offer uses language that suggests the clock for all calculation begins with sign up. With the XX/XX/XXXX date at sign up, the 90 days, plus 30 to pay ends on XX/XX/2023 that means 39 days have passed since the Wells Fargo breach 39 days at at {$4.00} per day = {$170.00} I am open to hear analysis on this matter 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 monetary relief
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
This invalid and inaccurate item with an Account Name : XXXX XXXX XXXX  - XXXX. that Transunion and XXXX department were continuously reporting and furnishing on my credit report has long been removed from the XXXX side on XX/XX/2023. 

Im not really sure where the gap of communication begins, but I trust that they were all reporting to the same and one and only furnisher. So, might as well remove this account from their record as prompt as possible.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The charge of {$570.00} on XX/XX/XXXX, was authorized by me and done illegally. I contacted the Chase customer service and put the transaction in dispute, and changed the card at the same time.The dispute was rejected based on the fact that I had a business with XXXX XXXX  IN month ago, That is true, but the XXXX XXXX  tried to fix my stove months before and destroyed it and I paid {$600.00} for that. I did authorize the first transaction, but never authorized the second. I never let them charge my account the second time and I never let XXXX XXXX XXXX to store my card info.They never invoice me. They just charged second because they illegally store my card info. Chase dispute representatives explain they paid based on the fact that I had business with XXXX XXXX  before, which is ridiculous and illegal. The repas advised me to put the first charge in dispute. I did, sended all docs through the chase reps at XXXX XXXX XXXX, but the dispute center never received the paperwork. Pls refund the charge, which was done illegally on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-11-17 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: NC

Complaint narrative:
I have been attempting to dispute a specific " account '' reported to Equifax with incorrect information for several months now. 

I can not access my account. They do not seem to have a way for me to recover my account. No matter what instructions I follow. 

I attempted to log in to my account but Equifax says my account is locked. 

I have called in but they say they can not verify my identity. I have been through a few cycles of this. 

When I call in it is clearly to a call center. Highly likely outside of the United States based on my interaction. 

They asked me to verbally provide all of my Personally Identifiable Information ( PII ). Name, Address, Social Security Number, Email, Phone Number. 

Why not provide me with a link to verify this information? To secure my date! 

After they offered to send me a link because I was required to provide additional information to verify my identity. 

They say I failed my verification. So now I am required to mail them copies of the information : Drivers License, Social Security Card, Mailing Address... 

They never offered to send me back the documentation like with the Social Security or Passport Offices. 

I asked if I could go somewhere in person instead of mailing my documentation if I could go into a local place to verify like the post office or with a partner. They say if I want to go into an office I must fly to XXXX, GA to verify in person. 

I have tried resetting my password to retrieve the account it will not allow me too. They have no system in place to retrieve the password unless I verify my identity by mailing all of my PII to them. 

For A Password Reset. To Verify My Identity. While They Make Me Verbally Provide ALL of my PII To A Call Center Oversees. 

Does that make sense to you? Securing Data? 

So I still do not have access to the equifax account for several months now. 

Which affects my credit score, access to certain jobs, security clearance information, and purchasing power... 

None of this resolves my original issue. Attempting to dispute the incorrect account listed on my credit report. 

To address this issue I have used XXXX XXXX to file a dispute ( s ) but this has taken months and has been unsuccessful. 

REQUEST : I am requesting access to my Equifax account. Please review your security practices! Most importantly please dispute and remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX  stating there is a balance of {$600.00}. This balance is listed incorrectly. 

Additionally, this is medical debt. 

As of XX/XX/XXXX of this year, the bureaus no longer include medical collections for amounts under {$500.00} on credit reports according to the XXXX medical debt forgiveness. 

Please remove this from Equifax and all other consumer reporting agencies. I have made this request almost 8 times now in one way or another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-17 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: NY

Complaint narrative:
I've been trying to get Experian to update or delete inaccurate information reported to my account. According to Experian XXXX which is attach below the reporting in my XXXX account is not accurate its been reporting CO months after months affecting my XXXX XXXX. CO is not even on the guideline of how it should be report it. And according to experian glossary my report should be reporting as follow to be accurate XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( charge off ), XXXX ( closed ). Also, according to the glossary it should be account condition and account type. So how can a closed account have a payment history every month. This is inaccurate update it or delete account.

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 2023-11-17 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: NY

Complaint narrative:
XXXX score is affected because they are reporting me as having too many inquires but I inly gave one inquiry! I need to have this code XXXX removed. Thanks

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 2023-11-17 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: MS

Complaint narrative:
I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On about XX/XX/2023, I was served a civil summons from Plaintiff MIDLAND CREDIT MANAGEMENT , INC through their Attorney XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX TN XXXX ; notifying that this debt collector was suing me. I responded to the attorney via certified mail on XX/XX/2023, I demanded validation and proof of claim in accordance with the FDCPA, 15 USCG 1692 et seq and the fair credit billing act, 15 U.S.C. 1666. I have confirmed through my returned receipt they received it on XXXX XXXX. I did not receive a response to my request from their attorney and instead received an invoice on XXXX XXXX dated XX/XX/2023 directly from Midland Credit Management XXXX XXXX XXXX notifying me a lawsuit has been filed against me signed from a XXXX XXXX XXXX Group Manager. Warning me that judgement may be seeked against me. I have no contract with this company nor have they addressed anything in my dispute of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

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 2023-11-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting of late payments on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). As a consumer, I am concerned about the negative impact this misinformation has on my creditworthiness and overall financial well-being. 

Account : XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX Upon reviewing my credit report, I discovered discrepancies in the reporting of late payments that do not align with my payment history. According to Section 611 of the FCRA, consumer reporting agencies must ensure the accuracy and completeness of the information provided in credit reports. The reported late payments are erroneous and misleading, significantly affecting my credit score and financial opportunities. 


I have previously contacted [ XXXX ] on [ XX/XX/2023 ] to dispute these inaccuracies. Despite my efforts, the incorrect information remains on my credit report, causing undue harm to my creditworthiness and financial reputation. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action in accordance with the FCRA. I also ask that all inaccurate information related to the late payments be removed or corrected from my credit report. 


I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report and protects my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
The original creditor of this account is XXXX XXXX XXXX and the debt collector is Nelson & Kennard. I learned about this account after I attempted to search the real estate market ; my realtor told me that I had to do a credit check and discovered a judgment against me placed by Nelson & Kennard regarding a fraudulent XXXX XXXX XXXX account. I contacted Nelson & Kennard and informed them that the account was fraudulent. I requested them to provide me with the original record of the application of this account, but they could not provide anything. Therefore, in good faith, I called Nelson & Kennard again to inform them that I want to find a settlement agreement as long as they remove the fraudulent account from my credit report and file a motion to dismiss this frivolous collection lawsuit despite the account not being mine. I just realized I was willing to settle a fraudulent account that's not mine to get things over with, yet they did not want to settle. I made a reasonable offer to them for {$1000.00}. If they're going to call and harass me again to find a settlement, my offer of {$1000.00} will no longer be valid. My new offer for them will be {$250.00}. They constantly harass me with phone calls and attempts of collection on a fraudulent account. They know that the account is fraudulent, yet they try to collect on a fraudulent account illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: RI

Complaint narrative:
On my XXXX XXXX Credit Card I submitted the minimum payment every month for the last 12 months. It is reporting that I was late 30 and 60 days in XXXX and XXXX. I want these late payments removed immediately from my report because they are 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a refund for {$99.00} from XXXX. The refund was processed and posted on my American Express Serve Account on XXXX. My transaction history on XXXX shows a completed transaction with the following detais : Description : Store Return XXXX XXXX XXXX  Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX XXXX Account Status : Complete The {$99.00} was not credited to my account however but instead Serve placed a hold on the funds and the following pending transaction shows om my account : Description : Merchant Credit Hold for Review XXXXXXXX XXXX XXXX Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX 's Account Status : Pending When I called to ask why they placed a hold on a refund/credit they had no explanation other than that it rakes up to 7 days, It appears that American Express Serve is intentionally placing a temporary hold on my funds to increase their float and cash flow position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXF Account XXXX has violated my rights. Or a list of inquiries : 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.

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