vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
During XXXX I went through financial hardship, resulting in late payments to my XXXX credit card. They gave the account to Zwickers & Associates to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with Zwichers over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXX XXXX XXXX XXXX XXXX '' from XXXX XXXX XXXX, representing XXXX, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to XXXX. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, XXXX has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from XXXX about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
My information including social security was leaked in the national public data breach. Around XX/XX/year>, my I got an alert that fraudulent credit cards were being opened in my name. Whoever stole my identity also made accounts on Experian, XXXX, XXXX using fraudulent email addresses and phone numbers and addresses. 

By mid XXXX I managed to regain control of all accounts on Experian, XXXX and XXXX.I also managed to successfully dispute all fraudulent entries on my credit report.

However, the identity thief kept trying to gain control of my Experian account to unfreeze the credit and continue opening credit cards. 

I would get notifications of someone requesting my username. The day of the incident I received XXXX such notifications at XXXX XX/XX/year> and XXXX XX/XX/year>. At XXXX that day I receive a text from Experian for XXXX code. I also get an email notification that someone had unfroze my Experian credit. I log onto my Experian account and find someone had turned off XXXX and a fraudulent email address and phone number were inputted. 

The thief never had access to my password, security question or pin. They did not attempt or could not change that information. If my password was compromised then they would have changed the password and security question to lock me completely out of the account. They did manage with change the phone number and email which was enough to get them access to the Experian account. 

I attempt to call Experian customer service number to get this resolved but I only get an automated system that would not route me to a live customer service agent. I ended up calling the fraud dispute department to get them to route me to the correct department who after verifying my information, allowed me to reset the phone number and email. I have since updated my password, username, security questions and pin. 

Despite having XXXX, an uncompromised password, security question and pin, the thief was able to gain access the Experian account with no additional verification.I know this is possible because this is how I initially gained access to my Experian account. The thief created an account in his email and phone but I managed to unintentionally overwrite his info and take control of his account just by creating a new account. I've read online similar stories from up to 2 years ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Using only information that is already leaked, people are able to completely bypass all security measures and gain access to my Experian account. After they do, my only option is to react as quickly as possible and attempt to call customer service and have the information removed.

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 2024-10-31 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: TN

Complaint narrative:
Inquiry or late payment too many inaccurate information on my File and asking them to investigate or remove Them

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 2024-10-31 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:
Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SC

Complaint narrative:
I recently filed a dispute with fingerhut and after they so called verified the information they changed my report to show XXXX XXXX late and a recent late XXXX on Equifax and XXXX. I never made any payments on this acct because I dont remember having a acct with them. This acct is over 7 years and shouldnt even be on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: DE

Complaint narrative:
My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.

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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a XXXX XXXX through Wells Fargo. Wells Fargo withdrew money out of my connected back account as a payment that was never authorized or needed as the balance of the card was XXXX and the card was not used for months leading up to the withdrawal. I have been fighting customer service for months trying to get this settled and have put in XXXX complaints with their executive office. Neither time have I heard back within the time frame I was told/at all. I currently have a credit of XXXX on the account but am having to fight customer service again to get that refunded to be as the card was reported lost or stolen when I never reported the card as such. It has been weeks after reaching out and many phone calls later with no escalation and no response. All I get is we cant get ahold of your case manager right now. I will be taking this to a lawyer if it is now solved and my money refund. If a lawyer is needed additional compensation will be required. Wells Fargo customer service is the most incompetent out of any bank I have ever experienced. The case manager for the most recent complain is 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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is a violation of the fair credit reporting act, willing-full non-compliance. experian verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).

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 2024-10-31 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: TX

Complaint narrative:
I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : 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 non-monetary relief
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : 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 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 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX I applied for a credit card with Chase called Chase Freedom Unlimited. I specifically chose to apply with them because of the promotion they had to get {$200.00} cash back after spending {$500.00} in the first 3 months of having the credit card. 

I was able to meet that requirement probably within the first month of the card opening. I noticed however that they did not apply the promotion to my account even after the fact. 

I initially called them about a month ago to inquire and I was told that it was a mistake and that they were going to send an escalation. I then receive a letter about a week or so later saying that they are not able to apply the promotion. 

I called a second time and this time, the representative stated that the first representative didn't do the escalation properly and that I shouldn't worry about having to call about the same issue again. It will be taken care of. 

This week ( XXXX XXXX, 2024 ) ; I received another letter and this time saying that the promotion was never in the account to begin with. So I called and talked to a supervisor who told me the same. They also asked me for proof of application which realistically nobody does when applying for a credit card. 

My question is why was that never mentioned in the beginning when I first got approved. It wasn't mentioned the first or the second time I called and brought this to their attention. Yet they expect me to have proof that I had the promotion when I applied. 

I asked them to provide the writing where it said I wasn't getting the promotion when I first got approved. They are not able to provide that either. 

I feel like it was a click bait and I was mislead with multiple different information. I didn't have this issue with any credit cards in the past. So I feel like it was a dirty tactic to get people to apply but not honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
My account with XXXX XXXX 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. 


XXXX XXXX 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 2024-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: AK

Complaint narrative:
XXXX years ago I entered in an agreement with the law offices of Rausch Sturm LLP to settle a debt owed to XXXX XXXX. The agreement was for {$43.00} a month for a total of {$3100.00}. Last month I received a letter from the debt collector stating the agreement balance was {$43.00}. Which would mean the original agreement would be fufilled. Fast forward to this month and I received another notification that my agreement balance was {$760.00} and they would be withdrawing another {$43.00} payment. So, I contacted via phone and was told my balance was {$1100.00}. I ask them how, when you sent me a letter last month showing the amount of XXXX more payment with said agreement. The lady tells me I have interest and court cost that needs to be paid. This should have been included in the original agreement that we agreed on. She couldnt explain to me why my new letter said {$760.00} but she verbally told me I owed {$1100.00}. Seems like a money making scheme to me. Please investigate this, I notice online several complaints about this.

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 2024-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: WI

Complaint narrative:
In 2022, I joined a XXXX XXXX XXXXXXXX XXXX with the goal of becoming a XXXX XXXX. I was promised access to a XXXX XXXX XXXX XXXX XXXX, and I thought this program would help me shift my focus toward a stable career path. Hoping to land a job soon after graduating to help me pay off a {$20000.00} loan, I took the leap. Coming from a background as a XXXX XXXX in a low-income household, supporting my wife and myself, I believed this investment would lead to better opportunities. 

However, after completing the XXXX, I was laid off three times, leading to significant stress and XXXX. The monthly loan payment of {$850.00} quickly became unmanageable, and I had to stop making payments because of the financial strain. I never expected this outcome ; I thought this program would open doors to new career opportunities. 

Instead, what I hoped would be a quick path to success has only led to stress and regret. My aunt, who co-signed the loan, has also been affected, with the impact reaching both our credit scores. Unfortunately, this has caused a serious rift in our relationship that feels difficult to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: DE

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX CXXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: DE

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$740.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$680.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$350.00} XXXX. XXXXXXXX XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$360.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$260.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3400.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$90.00} Inquiry : XXXX. XXXX XXXX XXXX - Date : XX/XX/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 2024-10-31 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 have inquires all made on XX/XX/year> they are all fraudulent i did not open any of those accounts.i have filed a report with the ftc for fraudulent activity

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