vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was setup for auto-pay with Wells Fargo . I received a credit alert from XXXX of a 30 days late payment. I contacted Wells Fargo to inquire of the credit report and ask how I could be late if I have auto-pay. Wells Fargo telephone rep stated my autopay was removed and confirmed that they would not notify me. So the due payment was not taken. The rep stated I could just check my bank account to confirm payments are posted. I stated thats why I setup autopay so I wouldnt have to track payment due dates. I filed a dispute for inaccurate reporting. XXXX stated Wells Fargo certified their info was accurate. THEY LIED! They did not report the auto-pay drop off info. The dispute process with XXXX is worthless if they just accept whatever a creditor says, even when lying. Wells Fargo did drop my autopay status without informing me. The rep told me as much. At the time of the phone call, I paid the amount due and reset my autopay status. Their inaccurate report has hurt my XXXX score significantly. Ive dropped from an XXXX XXXX score to currently XXXX. I need intervention to make Wells Fargo fix this matter!

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 2024-01-30 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: CA

Complaint narrative:
I looked at my report and on XX/XX/2023 I sent a letter to XXXX XXXX  and Trans Union to reinvestigate my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-30 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2024-01-30 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Prepaid Debit card department notified me twice by letter that there was remaining funds in my account. I told them I know longer had this account. I went to the branch to verify the letter was not a scam. The branch ensured me it was real. I called the number listed on the letter and verified myself and my new address so the check could be reissued to my address. Then after going through all verification they refuse to reissue my check to me telling me that I needed to mail copies of my license to them. That is suspicious. Once a customer is verified in the system you don't have to do this for employees.

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 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
I requested a closure of my XXXX XXXX Savings Account on XX/XX/XXXX with instructions to mail the balance by check to the address on file. The online portal shows that the account was closed and a check was issued on XX/XX/XXXX. I had not received this check as of XX/XX/XXXX, so I called the customer service line for an update. They advised that they would re-issue and mail a new check. I had not received this check either as of XX/XX/XXXX, so I called customer service again. I was initially told that my account was closed so they were unable to help. I stated that this was unacceptable so the customer service agent made further inquiries. I was then told that the issue was escalated to a different department and I would need to wait 7-10 business days for an update. This is also unacceptable as I need the funds to complete a rollover within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2024-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Attn : Legal Department Re : Dispute and Notice of Intent to File Legal Action Account : XXXX XXXX XXXX XXXX Dear Equifax Legal Department, I am XXXX XXXX XXXX once again regarding the incorrect and unverified credit entry associated with my XXXX XXXX XXXX  account ( ending XXXX XXXX ) on my credit report. Despite my previous attempts to have this matter rectified through written disputes sent, the inaccurate information specifically a false late payment report continues to appear on my credit file. 

This ongoing issue has not only undermined my financial integrity but has also caused me undue stress, financial harm, and has hindered my ability to obtain credit. The persistence of this error, despite my efforts to dispute it, indicates a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly concerning your obligation to report accurate information ( 1681e ( b ) ) and to properly investigate disputes ( 1681i ). 

I hereby demand the following : A thorough investigation of the disputed account to validate the accuracy of the reported information. 
Immediate correction and removal of the unverified late payment entry from my credit report. 
An updated copy of my credit report post-correction, sent to my address listed above. 
A written confirmation of the aforementioned actions taken in response to this notice. 
Please be advised that if Equifax fails to comply with these demands and continues to violate my rights under the FCRA, I am prepared to take legal action to seek all available remedies, including seeking compensation for damages incurred as a result of these violations. This may include, but is not limited to, damages for undue stress, financial harm, and the denial of credit opportunities directly attributed to this specific false reporting. 

I expect a response to this letter within 30 days, addressing the concerns and demands stated herein. I hope for a prompt and amicable resolution to this issue ; however, please be informed that my intent to pursue legal action is firm should this matter remain unresolved. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-01-30 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX of XXXX, payment was made to Captial One credit ( 2 ) cards, through a Lawyer 's office of Captial One " XXXX  ''. Bank Statements and the Assistances with a VA Representee that assisted me in paying the full amount to the XXXX XXXX XXXX in the amount of {$7500.00} and a {$590.00} legal fee charge to them in XXXX of XXXX. A Supervisor in the name XXXX ( Spelling may be wrong ) at XXXX, that they did not receive the payments and when asked for the complaint phone number for Capital One or his supervisor he said he didn't have to and that i need to pay them that amount. 
Not only, is this inappropriate for a Company to act and commit Frued of money that a consumer paid, they have no right in reporting that I didn't pay when evident proved they received the money. There was a total of 4 accounts and that they totaled over {$7500.00} for all 4. They show only two paid and the total amount of all four total on these two accounts. 
They have refused me information for them cooperate office in getting this mattered solved. They have Been paid in full and did not close all 4 accounts, they took the two that were paid off and add it to the two there saying aren't paid in which all four of the accounts where a total of {$7500.00}. They are defrauding me and reporting it on my credit reporty that I didn't pay them, in which I did pay all four cards off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
NOT MY INQUIRY AND HAVE ASKED THEM TO REMOVE IT TWICE ALREADY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
I filed a complaint with Equifax 2 months ago. CFPB responded back saying the item was removed. My attachment from my credit reports confirms it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Call company asking when and where card was applied for what city, date and where was card mail to and where was card used I did not open this card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We closed on our refinance mortgage with XXXX XXXX using our title company to provide checks for credit card payoffs. 

All cleared- but for Citibank- in less than a week. 

Citibank is almost XXXXhree weeks. 

They have the check. Nothing returned. 

Title company told us they are one of the top three most unethical banks in the United States charging interest for three weeks when they have no reason too. This title company sends out tens of millions in checks for multiple national mortgage companies. XXXX XXXX  XXXX of dollars reaping what Ive estimated at a XXXX dollars or more. Should be illegal. 

I want to know whats going on. 

A Citibank customer for over 30 years. Even venture transactions in the tens of millions. 

I think Ill pull all of that, eh?

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 2024-01-30 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:
The reporting company is using outdated information on XXXX XXXX  XXXX account XXXX. 
I am providing updated paperwork if the account where I am not a co-signer/co-buyer/guarantor. 
I signed paperwork as the authorizer of a company only.

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 2024-01-30 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: MO

Complaint narrative:
Experian closed this complaint seconds after another complaint without addressing the issue but giving computer generated responses. This fraudulent company gets rich from stealing people 's payment history AS REQUESTED FORWARDED TO THE F.T.C AND D.O.J.

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 2024-01-30 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: CA

Complaint narrative:
Please remove this account quickly under 605B. It's not mine, and its presence on my credit record upsets me. I urge the company to remove it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith & Smith Investors LTD
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX who does my taxes ALWAYS pays themselves what ever they are owed. It is taken out of my refund before they ever let me have a dime. I have not filed my taxes for a couple of years now because I have not worked as I am now XXXX., this is the very first time I am finding out about this bill and I am very irritated that they would do this when they know good and well they always get my refund, and remove what I owe in full and then give me what is left usually on a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I currently have a pending complaint with Mohela regarding adjusting my payment to reflect the estimated payment provided when I submitted my application. I have recently noticed that Mohela has canceled both of my applications, one sent in XXXX and XXXX XXXX XXXX, without notifying me as well as providing me a reason as to why they were canceled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation