vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Subject : appeal to Wells Fargo research results Case number : XXXX & XXXX Account number ending in XXXX Consumer Financial Protection Bureau, case number : XXXX I am hereby appealing Wells Fargo findings in my case as they are materially incorrect. 

My records show that the Statement Period XX/XX/2023 to XX/XX/2023 shows new balance of {$170.00} due by XX/XX/2023. See Exhibit A. 

This balance was paid by me on XX/XX/2023, from my XXXX checking account. See Exhibit B. 

However, this payment of {$170.00} was NEVER reflected on the next Statement Period XX/XX/2023 to XX/XX/2023. My payment of {$170.00} was NEVER credited to the Balance. The only thing that was credited to the Balance, were Cash Rewards in the amount of {$14.00}. See Exhibit C. 

Per my phone conversation with Wells Fargo Customer Service, a lady on the other end told me flat out, we dont have to credit your payment toward the balance, which is exactly what was erroneously implemented. However, under XXXX ( XXXX XXXX Billing Act ), my payments should have been credited against the existing balance thus lowering the amount due in the next statement. 

Therefore, the New Balance of {$430.00} is incorrect. It should have been as follows : {$430.00} - {$170.00} = {$260.00}. I do NOT owe more than this amount to Wells Fargo. They will receive this last payment on XX/XX/2023 ( due on the XXXX ). I have closed this card and will never look back.

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 2023-12-10 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: SC

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

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 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a Best Buy credit card through Citi and experience XXXX fraudulent charges on my account at XXXX. XXXX XXXX XXXX unauthorized charges on XX/XX/2023 for {$290.00}, XX/XX/2023 for {$290.00} and XX/XX/2023 for {$290.00}. I filed a fraud dispute on XX/XX/2023 with Citi. I was credited for all three fraud charges and was told there would be an investigation. XXXX months goes by and I receive a letter telling me I would not be liable for the {$290.00} charge but would be responsible for the other XXXX fraudulent charges. Received a copy of the report from XXXX which showed the IP addresses, and shipping addresses were no where near me. They were on the other side of country. No idea who the people were. Somehow XXXX and Citi determined XXXX was responsible.

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 monetary relief
Consumer complaint received 2023-12-10 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: SC

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The debt was written off charged off they sent letter saying I owe a amount of XXXX I asked them to send in writing I was told they would be sending me a court date due to non payment and it was like theft I sent a letter requesting them to send contract I signed and all my payments in regards to this debt this was XX/XX/2023 I also disputed it with credit company XXXX XXXX and XXXX Ive received calls every other day telling me to pay or I will be brought up on charges I asked the to stop calling but they still do over and over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: PA

Complaint narrative:
I currently have some accounts and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, my XXXX brokerage account was restricted due to unknown " safety '' concern which XXXX refused to disclose. I wasn't able to withdraw my fund since then. There is a total of XXXX XXXX dollars in my account. 

Later on they asked for documents ( bank statements, ID, passports, selfie ) which I submitted by XX/XX/XXXX. Then they told me they would review and notifed me of the decision on XX/XX/XXXX. 

On XX/XX/XXXX, they just postponed the decision making to XX/XX/XXXX. 
On XX/XX/XXXX, they even postpone to XX/XX/XXXX. 

When I called XXXX, they just asked me again to provide the same document which I already provided before. The waiting is endless and they keeps asking me for tons of documents and inifintely put restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: OH

Complaint narrative:
My information was illegally bought and sold because of the Equifax Data Breach. I now have two default judgements against me and this companies illegal actions has cause me to not be able to get loans and my credit is ruined and because of these defaults my banks accounts are drained and I can not work. I filed a complaint with you a few days ago and Equifax has irresponsibly " checked with the creditors '' and of course the creditors say oh yeah, you work for us so keep this illegal activity on his report because we want him and his kid to starve and be homeless so we can further get rich. 

I want all of the negative marks and illegal hits on my credit removed immediately and they are not doing so. Please help me so I can have a normal life like those who have not been illegally violated by equifax and predatory scam artists who buy junk debt that I didnt even know I have. I have more lawsuits coming up and I need help because equifax was irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: TN

Complaint narrative:
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' XXXX is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' XXXX is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied be otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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 ST naccurate. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to eXXXX XXXX XXXX XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

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 2023-12-10 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: TX

Complaint narrative:
XXXX Equifax XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with XXXX and {$100.00} with XXXX and Equifax. Also XXXX shows a different account number. This is illegally reporting in several ways. Nothing between the XXXX credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have Equifax reporting a payment XXXXXXXX XXXX XXXX then XXXX reporting that same month as a charge off. Then in XX/XX/2023 XXXX reports that the account is 150 days late and Equifax reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and XXXX XXXX XXXX requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 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: TX

Complaint narrative:
XXXX XXXX Experian To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with Experian and {$100.00} with XXXX and XXXX. Also XXXX shows a different account number. This is illegally reporting in several ways. Nothing between the XXXX credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have XXXX reporting a payment XXXX XXXX XXXX then EXPERIAN reporting that same month as a charge off. Then in XX/XX/2023 Experian reports that the account is 150 days late and XXXX reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and XXXX XXXX Reporting requirements.

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 2023-12-10 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: GA

Complaint narrative:
I submitted proof that I am a victim of Identity Theft and I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting invalid information on my Transunion Report for XXXX XXXX a debt alleged {$4000.00} something that has already been XXXX from XXXX. Furthermore i did not give consent to TransUnion consent to report anything on my consumer account. Also XXXX XXXX is a XXXX party Debtor that has no validity to the proof of this alleged debt. Both companies are in violation of ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I demand these derrogatory reportings be removed immediately or i will seek punative damages through full fledged legal action.

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