vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have asked to have this debt removed from my credit score for Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Central Research Inc
State: ID

Complaint narrative:
Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXXXXXX XXXX XXXX the second in XXXXXXXX XXXX XXXX and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
These first two companies, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX were not authorized to do a hard pull on my credit report. This companies, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recognize at all.XXXX EXPERIAN These companies I do not recognize, 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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was XXXX day late on my credit card payment. Card ending in XXXX. I live in central XXXX  and XXXX  XXXX destroyed my area. The roads were untraversable and I could not get to the bank to make my payment. This bank decided or was okay to charge a late fee in XXXX the worst disasters in XXXX  existence. That is absolutely criminal and this bank needs to be fined and held accountable. They are taking advantage of poor people during a crisis. It's sick and unconstitutional.

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 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
All I can tell you is I have had problems logging into the website because I have more than XXXX retail account that is managed by the same bank and it makes saving login information a nightmare. And since paperless billing is strongly encouraged and sometimes even costly if not signed up for, the inability to login is exactly like operating with zero account access other than any email and text notifications signed up for in the beginning. So without access to detailed billing information, I was shocked to learn recently that XXXX dollars in my monthly payments were allocated to the balance subject of deferred interest. I was informed that since I did not make special arrangements to allocate specific funds over and above the minimum payment amount each month to be used for paying off the portion of the total amount owed subject to the deferred interest month in incremental payments over the period of time that the interest is being deferred, then all the interest that is accruing during that time period will be added to the card balance all at once. So the ~ {$800.00} charge with 24 months of deferred interest payments that has already accrued nearly {$200.00} in interest so far, will continue to accrue interest until the end of the 24 month period, which by then will amount to {$600.00} or more, UNLESS I make special arrangementsright awayto add almost {$60.00} to each of my normal monthly minimum payments for a total exceeding more than twice my current monthly payment amount, and what is most disturbing is not so much everything I already mentioned because this aint my first XXXX XXXX by shady lenders, its the fact that the whole thing started with me going to the retail store, being offered a discount for applying for a credit card, being approved, and then having that item I purchased on a deferred interest plan, yet my card limit well exceeded that purchase, and NEVER ONCE BEING ADVISED THAT IT WAS UP TO ME TO MAKE THE SPECIAL ARRANGEMENTS AS EXPLAINED ABOVE. WHAT A RACKET

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 2024-10-20 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:
XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX Please remove this from my credit line as soon as possible.

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 2024-10-20 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-20 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please refer to details provided in Complaint ID XXXX which has been closed prematurely without an explanation from Bank of America and without resolving the issue. 

In this connection, please refer to Class Action Lawsuit against Bank of America under Case No : XXXX The details may also be checked on 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 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Dell sold its Dell XXXX  Account to Comenity Capital Bank on XX/XX/XXXX. I have had extreme difficulty managing my account since then. I have had my address questioned and I have also received {$290.00} in late fees that I would like removed completely ; so far only some of them have been removed. My last request to waive the late fess was on XX/XX/XXXX with XXXX who is a Supervisor. Prior to this conversion I was on auto payment and had no issues with Dell Financial. Many customers have unresolved complaints on Dell 's site that can be found here : https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have on several occasions tried to bring a complaint about being refused my right as an consumer to make my credit card payment to the attention of wells fargo. I have been denied my right as consumer to a resolution now as well. They will not call me back to discuss this matter or get any actual facts in regards to the situation at hand. 
Instead, they write a vague response with fraudulent facts about a payment being processed. They will not address the actual issue. The report says I refused to make my payment at the branch. THATS A BLATANT LIE! The person who investigated the matter wrote a fraudulent statement and needs to be held accountable. 
Now they have shut my credit card off stating suspicious activity but never once contacted me regarding the suspicious activity. I want proof the suspected unusual activity. This is illegal. This is fruad. THIS IS DISCRIMINATION AND RETALIATORY RESPONSE FOR MY MANY COMPLAINTS. 
This bank is known for discrimination and fraud against minorities and needs to be held accountable. I deserve a complete audit of my accounts and outside investigation from non associated persons with this bank.

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 2024-10-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or 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. '' I was never informed 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 1681s2 ( 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 is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is 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. The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY! Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are in violation of my consumer rights and shall 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom mortgage took over our loan without our knowledge. It caused for lots of confusion in where payments were going. We had no idea and were paying both mortgage companies for over XXXX  months. During the transition our home burned down and we were displaced and not regularly receiving mail so I called in multiple times. We were sending payments in to freedom mortgage but it wasnt going to the correct department. We had no idea. They have provided an incorrect address twice in XXXX  years. They also adjusted our mortgage without our knowledge making the auto pay not be enough to cover. They have never been paid late, as all of our payments have been on auto draft from my bank. Ive been trying to resolve this for a year and Ive been sent to several escalation departments or supervisors but no action taken. Ive provided historic payments for 18 months showing money being mailed on the first of each month. When reviewing with customer service they acknowledge that the payments did come in but were not processed timely due to them being in the wrong desk of freedom mortgage. The supervisor corrected the address with my bank for future payment but refused to modify the adverse reporting. He also share that there was some type of late charge that had been carried over from a previous mortgage when they took my loan. Ive never been told of that but its whats been reported as over 90 days late and transfers month to month. Im in dispute about the {$440.00} late fee and refused to pay it with clear explanation to validate it. That could not be provided. We have over XXXX in equity in our home and recently experienced life altering circumstances forcing us to request equity. Because the the adverse reporting, we are unable to access our equity and when trying to get away from Freedom mortgage, no one will take us due to the late payment reported. The supervisor I mentioned advised me to report this to the credit bureaus and even gave their address and process for adverse reporting. He said he was looking in the notes and could clearly see the problems but was not able to modify on his end but the investigation would show it when they called and it should be corrected. XXXX XXXX reached out but said that I need to get freedom to change it so thus nothing is being done and my family remains in dire need to access our equity. Please help us!!!

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 2024-10-20 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
I requested a debt validation for an alleged rental debt, there is not one signature on the contact which was mine. They are all computer generated, solidifying that I do not have and have not signed the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-20 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX, XXXX 2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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. 

and according to 15 USC 1681s-2 they are suppose 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 non-monetary relief
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In proper use of my information per Privacy act 5UCS Capitol One Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}

Company response to consumer: Closed with non-monetary relief