vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone applied for Wells Fargo Credit card on my name on XXXX and this fraud happened last yearXX/XX/XXXX and this year.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
Was notified by XXXX that NBT Bancorp, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my credit score. I contacted NBT and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023 I contacted Truist Customer Service with regards to a promotional offer I received in mail and email. The promotion offered a {$400.00} bonus for opening a new checking account. The requirements were 1 ) open a new Truist One Checking account, and 2 ) complete at least two qualifying direct deposits, totaling {$1000.00} or more and be made within 90 days of account opening. After confirming my eligibility I went ahead and opened a Truist checking account. 

On XX/XX/XXXX, I contacted Truist Customer Service to ask why I hadn't received the bonus. The customer representative told me that I was eligible and I should have received the bonus. After an hour ( ONE HOUR ) on the phone, the representative told me that I hadn't met criteria # 2. However, my records ( Truist banking statements ) show the following direct deposits : XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} XX/XX/2023 {$1000.00} After ANOTHER HOUR the representative told that I wasn't qualified because I had another Truist One Checking account. The representative told me they couldn't find the account, and by the way it doesn't appear on my banking statements, doesn't appear to my online portal, and frankly doesn't exist. 

In addition, my account was charged {$3.00} the past four months. And since the account earns no interest, every time I transferred to another bank, they will charge me another {$3.00} fee. 

How remarkably terrible customer experience and poor service.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX I notified Experian that there are unauthorized and unverifiable information being reported to my consumer report, I have to give Experian written consent to furnish a report on my behalf I never gave them written consent so, my consumer right to privacy has been infringed upon. In light of the recent investigations brought upon Experian Ive found that my consumer file has been tampered with. Experian have not exercised their grave responsibilities and fairness with my consumer report according to the FCRA. Experian is continuous reporting unverified accounts on my consumer report. XXXX did the right thing by removing the inaccurate, unverified information from my report once they saw it was violation of my consumer rights, Experian is still reporting this information which does not line up with my other Consumer reports. For the past 2 year I have made several attempts to remind Experian of their duty to uphold the law, my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. I have sent Experian Certified documents under the penalties of perjury to support my claims. Experian has infringed upon my basic consumer rights. It is their responsibility to make sure all information is accurate and in perimeters of the law. Experian is continuing to ruin my reputation. It's unfair that i'm not able to support myself due to the things that being reported to my consumer report. Credit Reporting is voluntary and always has been according to the FCRA.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In XXXXXXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have XXXX. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone is using my identity in the state of California, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in California, much less have family in that state of the nation. All these last 25 years living in the city of XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Credit Line was decreased without notice and APR was increased without notice.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
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. 

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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I ordered a cosmetic item from an XXXX seller. The total cost of the item was {$11.00}. I paid for this using a combination of my US Bank XXXX XXXX XXXX card, and rewards points I had accrued by using this same card. I paid {$5.00} from my card, and the remainder of {$6.00} from my rewards points. The item showed as delivered onXX/XX/XXXX ; however when I looked in my mailbox and all around the front area of my home, the item wasn't able to be found. I have no idea where USPS delivered it. I immediately requested a replacement or refund from the seller since the fault was with USPS and I shouldn't have to pay for an item they failed to deliver. The seller refused to provide a refund, and neither XXXX nor XXXX would refund the cost since they accept USPS 's delivery status. So I contacted US Bank to raise a dispute to claim the full cost back. 
I explained that partial payment had come from my rewards points, and I specifically asked on 3 occasions during this phone call how I would get the rewards points back. I was told that it would be credited back to my rewards balance. 
I waited 2 weeks and after not hearing anything about the status, I contacted US Bank again. I was told that the dispute had been resolved in my favor and that the {$5.00} had been refunded to my account. I asked why the {$6.00} in rewards points wasn't showing in my rewards balance, and the agent couldnt provide me with an answer. I then had to wait a long time while she went to ask someone else. Eventually I was put through to someone in the rewards department. I explained the problem yet again, and this time was told that they couldn't add the funds back to my rewards account. I asked how I was supposed to receive a refund for the {$6.00} spent on an item which hadn't arrived and had been partially refunded. I also pointed out that in fact I'd been told by 3 people that in fact the amount WOULD be credited to my rewards. This agent said this wasn't possible. This is blatantly untrue. It would have been very simple to add the amount of {$6.00} to my rewards balance. But the agent just didn't want to go to the trouble to find out how to go about doing it. 
I want the amount outstanding on my now resolved disputed transaction to be credited, either to my rewards account or to my credit card balance.

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 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
XX/XX/XXXX was first contact with XXXX whom is associated with Jefferson. Thought they were a scam and gave them a dummy account to get them off my phone. 

Starting XX/XX/XXXX started receiving random calls from different numbers and text messages. The same day I noticed Jefferson reporting debt on my report. Contacted Jefferson and asked them to send written communication they own the debt and to remove themselves from my report as I don't have an agreement with them.

Under code 15 USC 1681B- permissible purpose, it is illegal to report a debt on my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Midland Credit Management, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ADP Inc.
State: LA

Complaint narrative:
wisely account put my money on hold for a transaction hold, but they never returned the money, I was sent a check for XXXX XXXX  but my balance was XXXX . Also I was not informed or emailed about the decision and now they won't tell me what happened to my money or my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Dealer Services have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to Wells Fargo Dealer Services to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.

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