vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
In XXXX of 2024 I made the decision to trade in my XXXX  XXXX that was being financed by Prestige Financial services to XXXX of XXXX for a XXXX  XXXX. My payment due date was XX/XX/XXXX. I was waiting for the vehicle I ordered to arrive before signing the final paperwork. The dealership assured me it would all happen before XX/XX/XXXX so I would not be 30 days late on my current car payment. I notified Prestige Financial in XXXX of my intention to trade in my car, they informed me I would be responsible for payments until the car was traded in. In the research I conducted under Utah law it states that once a vehicle is sold or traded in to a third party it is no longer my financial liability and if its done within the 30 days of my payment date i should not be reported as 30 days late. The XXXX  XXXX was traded in to XXXX of XXXX and they received a 10 day payoff from Prestige Financial on XX/XX/XXXX. The deal for my new car and trade in of my vehicle happened the same day well within the 30 days of my payment being considered as 30 days late. I was shocked to see that Prestige Financial reported me 30 days late and have damaged my credit score, hindering my chances of getting a refinance of my current mortgage loan. I have reached out to them respectfully and professionally in an attempt to have them correct their mistake. I have supplied them with information and legal documents explicitly showing how the vehicle I had financed with them was traded in and a payoff agreement was made between myself and XXXX of XXXX on XX/XX/XXXX well before the XX/XX/XXXX deadline for late payment. Regardless of my efforts and time spent attempting to reach a rational and just solution they have denied my request repeatedly, only stating that they were accurate in their reporting. I have read over the contract i signed with Prestige Financial, and there is no clause or directive on trade ins and financial obligation when a vehicle is traded in. With that being the case we must fall back on federal and state laws with regards to vehicle trade in, third party pay offs and credit reporting which as stated absolves me from the contractual financial obligation once the vehicle trade in and pay off has been initiated. The issue here is Prestige very strongly informs me they must report accurately to the bureau but they misreported a late payment to the credit bureau which should have never been done. Once I made them aware of their error they knew an error was made, were aware of their mistake and had the ability to rectify it but refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted Wells Fargo via email and phone to follow up on certified mail sent on XX/XX/year>, at XXXX XXXX  ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ). The certified mail contained my Certification of Trust and Banking Operational Instructions, submitted in my capacity as Trustee for the proper administration of the trust account. These documents outlined instructions for the accounts operation, compliance with trust provisions, and adherence to federal regulations governing trust accounts. 

Despite proof of receipt, Wells Fargo failed to acknowledge the submission or take action until XX/XX/year>, when XXXX from the Executive Office contacted me.

She indicated that my complaint regarding their failure to review the documents would be investigated, and she committed to following up within 10 business days. 

On XX/XX/year>, XXXX informed me via phone at XXXX XXXX  Arizona XXXX XXXX that Wells Fargo has an internal policy preventing them from reviewing trust agreements and banking operational instructions. This statement directly contradicted the intent of my submission and my rights as Trustee to provide instructions for the accounts management. The refusal to review my documents has obstructed my ability to properly administer the trust account and ensure compliance with applicable legal and regulatory obligations. 

Wells Fargos reliance on an ambiguous internal policy to refuse review of trust documents raises significant concerns about transparency, accountability, and their adherence to fiduciary obligations for trust accounts. This lack of cooperation has caused undue delays, disrupted trust operations, and appears to violate the rights of account holders under federal laws governing financial institutions. 

I am requesting the CFPB investigate this issue to determine whether Wells Fargo is unlawfully using internal policies to avoid their responsibilities in handling trust accounts and to ensure that they comply with all applicable laws and regulations.

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 2024-12-12 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name without my consent or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX - Amount : {$270.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : 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 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 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Byrider Franchising, LLC
State: NV

Complaint narrative:
XXXX closed XX/XX/XXXX  account was disputed once I seen on my credit report and came back as deleted but still shows on my report This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: GA

Complaint narrative:
Caller stated that I was a victim of identiy fraud. Supposedly my name was used for XXXX XXXX XXXX XXXX and that there were alot of bank accounts under my name in XXXX XXXX Texas. He knew my name, age and address. I also spoke to a police officer XXXX XXXX who gave me a case number and badge number. He told me I would recieve a call from XXXX XXXX from the US MARSHALLS. I recieved the call and he gave me instructions to confirm my identity by withdrawing money from my bank account and depositing it into a bitcoin machine. He sent me a QR code and thats how I was able to deposit the money to ATHENA BITCOIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: KS

Complaint narrative:
Received a phone call asking if I was in need of credit repair. I listened because it was a free consultation. I then ended up agreeing to the service. I gave my bank info for a monthly fee of XXXX but tomy surprise I was charged XXXX. For paperwork and then XXXX. On the XXXX of the month next week I was charged by Global for a 3rd party fee of XXXX. I didn't know that I was going to say them not was the information From XXXX through XXXX I was charged XXXX. By XXXX XXXX XXXX XXXX. And also Global XXXX as well. In XXXX I caught on to the fact none of this money was going towards my debt. I then spoke with another credit repair named XXXX. They in turn took over my finicial repair and they charged XXXX. As well they in turned out to be just taking my money because in XXXX my bank account was garnished for lack of payment towards my debt. In XXXX when I spoke with my credit counselor she had no knowledge of the Garnishment and just wanted the XXXX payment. I fired them immediately. This is my downfall since then.y car was repoed and my account are all delinquent.

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

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> {$1900.00} XXXX XXXX XX/XX/year> {$410.00}

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by ChexSystems. I submitted a complaint to ChexSystems regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, ChexSystems is legally obligated to respond within XXXX  days of submission. However, it has now been XXXX days since my complaint was filed, and I have not received any response from ChexSystems. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that ChexSystems address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-12 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-12 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-12 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:
I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX account XXXX XXXXXXXX XXXX Accordance with The Fair credit reporting Act Public law XXXX Title VI Section XXXX, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my XXXX loans were paid in full why havent the reported balances been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 15 USC 1681.

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
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: AZ

Complaint narrative:
I was not notified that the annual fee for the credit card was coming up. I was also not able to login into my credit card account. So I was unable to make a payment or even see that the annual fee was coming. I then called to close the account in XX/XX/year>. Again I was not notified by anyone that the annual fee came. On XXXXXXXX XXXX XXXX I get a letter stating that I missed a payment. 

The annual fee is {$29.00} and the late fee is {$29.00} and interest charged was {$00.00} or XXXX cents charged in interest. 

They would not fix the issue even though I was not able to login and I was not told about the fees on the account. 

I've had the card for XXXX years and not once paid late. But now they are trying to strong arm me into giving them money. This is not fair.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief