vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2024-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sent a wire of {$10000.00} through XXXX XXXX to my client in Wells Fargo bank. XXXX XXXX sent the money the next day to Wells Fargo. I sent the wire on XX/XX/XXXX, today is XX/XX/XXXX and my client has still not received the money from Wells Fargo Bank. I need compensation from Wells Fargo for emotional pain and suffering. This has really messed up my credibility with my client and I dont intend to send anymore wires to anyone with a Wells Fargo 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 2024-11-28 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: CA

Complaint narrative:
For starters, Equifax makes it difficult to get a credit report from their bureau. The free report they offer never shows the credit score. 
The report is sloppy and doesnt have all the accurate information with names and dates. Again. like all the other bureaus, without evidence in the report, they say I have serious delinquency. But on the report there is no sign of a missed payment. 
Equifax may have a data issue, where its simply outdated. The only way I can get an idea of a credit score from Equifax is from my citi bank credit card account. I wonder why? We as the consumer should have full access to our reports.

Ounce again, I will ask where are they getting there data from? If anything negative is deleted after 7 years and I have been paying on time for 8 years. No repos. Clean.

Can Equifax explain why the terms serious delinquency is even mentioned? 
Each of these bureaus including Equifax need to do their due diligence in making sure the consumers data is accurate and the reports are managed appropriately. Otherwise it appears that these bureaus are being negligent. These credit scores affect our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This is a target loan, meaning it was tailored by the lender for me, accessible by a access code included and mailed to my address. The company refused a credit card on the basis that they couldn't determine my income but the loan was a collateral dependent loan as advertised that's why i applied. Consumers have various options to chose from, depending on their situation, i had recently gotten out of work and needed to get bailed out as i fix my work situation and the card as advertised was primarily asset based such as car, home and other property, which information i provided and satisfied that requirement. Also as i monitored the application it was prematurely removed and not allowed the lenders own contract of loan application duration which i believe was between 45 to 90days.

May i just disclose that will be resubmitting a complaint as false advertisement or consumer misleading material because the loan contract and captivating perks should be honored to the letter by the participating lender ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am disputing this debt and requesting the original purchase agreement under 15 US Code 1681 e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, my checking account became overdrafted despite my efforts to manage my finances responsibly. I contacted XXXX through their secure message system on XX/XX/year>, to inquire about options to resolve the overdraft and prevent further financial strain. XXXX responded on XX/XX/year>, but did not offer a resolution that adequately addressed my concerns or provided sufficient assistance. This situation has created additional financial XXXX and I believe the issue could have been resolved more equitably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I dont have knowledge to this account Date : XXXX XXXX {$570.00} Place in collection dont have no knowledge of this 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 2024-11-28 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: CA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.

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 2024-11-28 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: FL

Complaint narrative:
Subject : Dispute on Inaccurate Loan Term Duration Reporting and Request to Delete Account Dear Experian, XXXX XXXX # # XXXX I am writing to dispute an inaccurate reporting on my credit report regarding the term duration of my mortgage loan with XXXX XXXX XXXX XXXX Despite XXXX Finances confirmation that they have updated the term duration from forty-two ( XXXX ) years to thirty ( 30 ) years with the four credit reporting agencies, my Experian credit report still reflects the incorrect term duration. 

Please find attached the correspondence from XXXX XXXX XXXX confirming the update. Given the persistent inaccuracies and the impact on my creditworthiness, I request that Experian delete this account from my credit report. 

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 2024-11-28 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: TN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2024-11-28 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:
my credit was accessed illegally please investigate this item its a XXXX  XXXX card on 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 2024-11-28 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: MA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
XXXX $ XX/XX/year> 15 U.S.C. 1692c ( c ) refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) which states that a debt collector must cease further communication with a consumer if the consumer sends a written notice refusing to pay the debt or requesting the debt collector to stop contacting them regarding the debt ; essentially, it gives consumers the right to tell a debt collector to stop contacting them about a 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 2024-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This is the SECOND TIME I have had to deal with this dept. This is an energy bill from a property in Michigan after I moved to Florida. The tenant after me used my name on the account. That tenant is now deceased and this company has already put this debt on my credit report and has dropped my credit report substantially. They have also dated the debt this month and year when the original debt was from 2017. 
Please have this collection removed from my credit reports asap because I need my credit score accurate immediately. 

P.S. How can a company put such a frivolous collection on my account without repercussions?

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 2024-11-28 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:
Went on Transunion and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( XXXX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( XXXX  XXXX ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} XXXX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} XXXX XXXX, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to TransUnion.

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 2024-11-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Went on XXXX and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( AMEX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( XXXX  XXXX ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} AMEX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} XXXX XXXX, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Went on XXXX and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( XXXX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( CAPITAL ONE ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} XXXX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} CAPITAL ONE, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am disputing this debt according to 15 US Code 1681 e ( b ).

15 US code 1692 ( c ) ( g ) requesting the original purchase agreement and validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief