vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I do not owe the debt to XXXX XXXX that this collection company has reported. XXXX XXXX has reported this in ERROR, debt was NEVER owed. 

Central Portfolio knows this and has not recalled my collections account with the 3 bureausits been a month of me calling every week to have this fixed. They just keep brushing me off. 

This illegal reporting has caused my credit score to drop XXXX points and will also cause me to fall out of escrow for a new house, if not fixed this week. Ive explained this to the company in detail and they still havent fixed my credit report. This is unjust, malpractice, and cause for a lawsuit if not corrected this week. 

This collection never existed, therefore should have been correct immediately, still a month later sits on all of my reports and will cause me to be homeless in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding the unresolved I have encountered with the Wells Fargo executive office. Despite multiple attempts to address my concerns, I have not a satisfactory resolution. 

On XX/XX/XXXX, I reported a missing cash deposit of {$17000.00}. Regrettably, the deposit was inaccurately recorded as a {$15000.00} cash withdrawal. My claim was unjustly denied on the grounds that it was filed outside the required timeframe, despite my prompt submission and diligent follow-ups. 

The total sum in question amounts to {$32000.00}, encompassing the missing {$17000.00} deposit and the unauthorized {$15000.00} withdrawal. I have diligently reported these discrepancies on the following occasions : XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX- XX/XX/XXXX - Case numbers XXXX, XXXX, XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX - Executive Office Claim # XXXX In addition to the above, I made an effort to forward a video attachment of the {$17000.00} deposit to the Wells Fargo executive office via email to substantiate my claims. 

Notably, I observed discrepancies in the documentation provided, including inconsistencies in my signature and name abbreviation. Moreover, the handwriting on the withdrawal slip does not match mine. 

Despite my persistent efforts, I have yet to receive proper restitution for the mishandling of my funds. It is evident that Wells Fargo has failed to comply with necessary banking regulations in addressing my claims effectively. 

Furthermore, a separate fraud claim related to unauthorized charges on my bank account remains unresolved. I am uncertain about the adequacy of the training and investigation conducted by Wells Fargo. It is imperative that they rectify these errors promptly, as they have had a profound impact on my financial well-being. 

I intend to address these concerns in a forthcoming correspondence to ensure that all discrepancies are appropriately addressed. I seek the intervention of the CFPB to facilitate a swift and fair resolution to this matter. Your prompt attention to this issue is greatly appreciated. 

I am currently drafting a separate communication to address the outstanding charges and seek urgent intervention to rectify these errors, which have significantly affected my financial well-being. 


The lack of progress in resolving these issues has caused undue stress and financial strain. Urgent intervention is necessary to ensure that Wells Fargo adheres to proper investigative procedures and rectifies these mistakes promptly.

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 2024-06-20 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I trust this message reaches you, though I am deeply dismayed by the unresolved matter despite my persistent attempts to resolve it. This marks my twelfth communication regarding the denied access to my personal credit report by Equifax. Despite my repeated efforts, Equifax has failed to provide any information regarding my credit history. Enclosed are additional documents supporting my claims, including duplicates of my personal identification. The lack of cooperation in this matter is profoundly troubling, and I demand your immediate intervention to swiftly rectify this egregious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 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: GA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Incorrect Employers : XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX my federal student loans were transferred from XXXX to Mohela. XXXX and XXXX are showing both accounts as open. In XX/XX/XXXX, XXXX advised me to file a dispute with the credit bureaus. In XX/XX/XXXX, when the bureaus deemed the information " accurate '' leaving the issue unresolved, I called XXXX again. I was told that their records show the account transferred & closed with a XXXX balance, but Mohela would have to inform the credit bureaus. On XX/XX/XXXX, a Mohela representative assured me that the necessary paperwork has been filed to correct this situation. Two months later and only XXXX has been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-20 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: AZ

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items listed below deleted from my credit reports effective immediately. I am attaching my claim # XXXX for proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done NOTHING. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.

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 2024-06-20 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: SC

Complaint narrative:
I am disgusted that I must yet again contact you regarding your utter incompetence. This marks my twelve attempt to resolve the appalling issue of denied access to my own credit report by EQUIFAX. Despite my persistent efforts, your company continues to withhold vital information about my credit history. Enclosed are the documents proving my identity, which your negligent organization apparently can not manage to process. Your continued refusal to cooperate is beyond infuriating. I demand immediate action to rectify this intolerable situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Incorrect Employers : XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated 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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
SoFi messed up my account. Dispute and appealed and won {$830.00} only to have it taken away and my balance to go negative. Customer check bounces. Cant access my money available to me. SoFi says pending but I have no pending and my available balance is shown along with screen shots of chat they agree no pending. Refuse to close my account due to pending and refuses to release my {$590.00} so I can pay my bills please. Ive been dealing with this bank since XX/XX/year> everyday with documentation to back it up.

Company response to consumer: Closed with explanation