vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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:
Hello, I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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. 
Here follows the accounts that are inaccurate : XXXX. ) XXXX XXXX - Account Number : XXXX. 
XXXX. ) XXXX XXXX - Account Number : XXXX. 
These accounts are not complete and are inaccurate. 

Also, according to 15 USC 1681s-2 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. 


If you check my attachments everything is not complete and accurate. 


According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Also, according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Unfortunately they did not do that and according to 15 USC 1681s-2 they are supposed to 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 explanation
Consumer complaint received 2024-04-24 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I accidentally sent {$1000.00} to Nissan Motor Acceptance Corp/nissanfinance.com. It was intended for my mortgage company, XXXX. I caught it the next day. I called XXXX ( my checking account ) asking if they could put a stop payment on it but they could not. On XX/XX/XXXX, I spoke with XXXX in Nissan Finance, XXXX. She said the system will reject the epayment and send it back. I spoke with XXXX again and was told they would open a recovery claim. That didn't help. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan Finance. He said there was a note in my now closed account stating the {$1000.00} was returned/rejected on XX/XX/XXXX. I spoke with XXXX a few more times to see if the amount was pending and it wasn't. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan who also told me the payment would have been rejected. I went to my XXXX bank today and was told Nissan had accepted that payment. I have proof of payment which I will attach. I realize this was my error but I need that {$1000.00} returned. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
Date filed XX/XX/XXXX for the amount of XXXX. Civil suit paperwork was served to my husband on XX/XX/XXXX. 

The civil suit was served on XX/XX/XXXX through the XXXX XXXX XXXX XXXX. I have not rec 'd any request for payment or any notification prior to this. The entity that is listed as the Plaintiff is completely unknown to me. The paperwork shows the original loan company is listed as XXXX and I am not familiar with them. The interest rate on the paperwork shows 39 %. With a original loan date of XX/XX/XXXX. 

I have undergone XXXX XXXX XXXX XXXX XXXX  so my memory is not good at this time. I am currently on Social Security Disability and age XXXX. I recently lost my XXXX so that has effected my memory. 

Please advise me as soon as possible. Thank you in advance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 

Accounts are : 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 explanation
Consumer complaint received 2024-04-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as XXXX reports XXXX reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
For more than XXXX years I have had a Preferred Checking account with Wells Fargo with no fees if I keep {$500.00} or {$1000.00} in the account, however, suddenly Wells Fargo changed my account to a Premier Account where I have to keep {$250000.00} in the account to avoid a $ XXXX monthly fee. 

The same happened with my XXXX, which have their accounts linked with mine, as they are XXXX, XXXX, XXXX and XXXX XXXX XXXX. Where none had monthly fees, independently of the account balance, and now have a $ XXXX monthly fee for the XXXX and XXXX XXXX XXXX. 

It's totally unfair this unilateral approach from Wells Fargo, and it needs to be stopped.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Unauthorized accounts on my credit reports. Unknown debt-Identity The. Do not belong to me nor did I open them. I need to report the items listed below to vendors and the 3 Major Bureaus.

Please help me remove these items. I can cooperate in anything you need from me. 
I have tried contacting them but they have not been helpful. Thank you! 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
As a Citi cardmember enjoy all the benefits of being a Citi customer check out this cash bonus offer. 

A great surprise in the form of an email that I received mid XXXX. I have loved Citi credit cards up to this point and was looking forward to opening a bank account while regarding myself at the same time. 

I immediately followed the link attached to this email to be able to open an account and within minutes it was established and was ready to start taking the necessary steps for my reward. I followed the steps within the email and their website that states : Open and enroll a new Citi checking account by XX/XX/2024. Enroll in the Enhanced Direct Deposit Checking Acquisition Offer the same day you open your new checking account. Enroll online, visit a branch or call XXXX, XXXX ( For TTY : We accept XXXX or other XXXX XXXX ). 
Make at least 2 qualifying Enhanced Direct Deposits totaling {$1500.00} or more within 90 days of opening your account. 
Receive your {$300.00} by keeping your account open and active until you receive your cash bonus. You will receive your cash bonus within 30 days after you successfully complete all required activities. 

I opened my account somewhere between XXXX XXXX ( Which Citi was unable to confirm or deny as they do not wish to share this information. ) I immediately start routing direct deposits into this account to be able to meet the requirements stated but also to start charging this account for my everyday use. 

By XX/XX/XXXX my funds hit my account with two separate deposits totaling {$2000.00}, I was set. I had done XXXX requirements which I have control over and was simply waiting on my trusted bank to deposit my funds within the next 30 days. Come late XXXX, I dont see any type of credit as promised and thought to myself, maybe I missed a step. I went and reviewed the offer and found everything to be in-line. I thought maybe since the two deposits came in on the same day the bank had labeled it as a single deposit. No worries, Ill route another deposit and by XX/XX/XXXX another deposit was credited to the account used the method expected by Citi. 

It is now XX/XX/XXXX and I have yet to see any type of credit into my account and decide to dial into their customer service to see what I missed or where I stand. The rep starts by questioning the validity of this offer, I read verbatim the offer along with its requirements based on the email I received and followed. I simply get told this promotion is not on your account and nothing can be done after following everything to a T. 

I sit here empty handed, with no choice but to file this formal complaint as Ive been told by my bank to cut my losses. Baffled by their way of handling this, I write this to find some type of resolution.

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 2024-04-24 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: FL

Complaint narrative:
I am deeply concerned about the negative impact that fraudulent accounts are having on my credit history. I have noticed a significant decrease in my credit score due to these unauthorized activities, which is adversely affecting various aspects of my financial life. These fraudulent accounts not only limit my ability to obtain new credit but also increase the interest rates I must pay on existing and future loans. This situation is jeopardizing my financial stability and my ability to manage my finances effectively. I am actively working to resolve these issues and would seek understanding and support from creditors and credit agencies to rectify my situation and restore my credit rating. I appreciate any advice or assistance that can be provided to help me navigate this challenge.

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 2024-04-24 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-24 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: PA

Complaint narrative:
Please delete these inquiries. I have no knowledge about them, and the company conducted them without my consent.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
When attempting to log into my.Equifax.com for the first time in a while, and to my surprise I logged into someone else with the same name as but not my SSN. The account that I logged into had negative accounts, which made want to go check my other credit reports, and to my surprise, I was able to see multiple negative accounts that were illegally added to my credit report due to fact that Equifax allowed my credit report to commingled with the same name as me. I had no collections, and now i have collections. I had no charge-off accounts, now i have charge-offs on my account. I had no never credit card on my account, but now i have never card accounts. I have called and spoken with Equifax about this twice, 1st notice XX/XX/2024, 2nd notice XX/XX/2024. Under Laws 15 U.S.C. 1681eb, 15 U.S.C. 1692g, i want to request that Equifax remove any all negative accounts associated with my credit report for their negligence in allowing my credit report to commingled with someone else with same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately.

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 2024-04-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
a set-off was placed on my checking account for {$410.00} on XX/XX/2024 I only have XXXX checking account with Wells Fargo total balance with all accounts was XXXX they included my XXXX account which was opened when she was XXXX old and which should of been changed when she turned XXXX old she is now XXXX old I have no ownership or authorization to use her accounts regardless it should not of been included, and even though it was wrongly included the total balance between XXXX accounts was far less than 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 2024-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I looked at my report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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. 

Here follows the account that is inaccurate : XXXX. ) XXXX XXXX - Account Number : XXXX. 
This account are not complete and are inaccurate.

Also, according to 15 USC 1681s-2 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.

If you check my attachments everything is not complete and accurate.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Also, according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Unfortunately they did not do that and according to 15 USC 1681s-2 they are supposed to 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