vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I recently filed a complaint against this company because they are damaging my credit worthiness, credit standing, and credit capacity ( Complaint # XXXX ). Wells Fargo [ Account # XXXX ] has been proven to report inaccurately and incompletely by both the consumer, me, and a consumer reporting agency ( XXXX XXXX, but now even the company itself admits that the information furnished was also incomplete/inaccurate with their response to my previous complaint. See attached. Pursuant to section 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ) I am demanding that this agency complies with the Fair Credit Reporting Act and removes this account from all of my consumer reports. In their response to my previous complaint, they stated that they will continue to report the information as the information was " accurate '' but a sentence later they stated that they noted inconsistencies. If the information was truly accurate and complete, then there would be NO inconsistencies, further proving my claim. Additionally, furnishers of information such as Wells Fargo MUST comply with Metro 2 which is part of the reasonable procedures that consumer reporting agencies have taken in order to ensure that the information they are reporting are the most accurate, complete, and timely as stated in the furnisher guidelines. This means that in order for this agency to furnish information on my consumer report, they must meet 13 requirements. As proven by me, the consumer, XXXX, the consumer reporting agency, and Wells Fargo themselves, this reported information clearly does NOT meet all 13 requirements to be Metro 2 compliant. Pursuant to section 623 ( b ) ( D ), when they received the result from XXXX stating that the information was deleted, it was their duty to report that result to all other consumer reporting agency ( WHICH THEY DID NOT ). If this agency does not remove this account promptly from my reports then I will have no choice but to seek legal action as this inaccurate information is causing me emotional distress especially since inflation is high and this is not a great economical climate to have bad credit let alone inaccurate information on a 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I XXXX, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX and i have a letter from the US DEPARTMENT OF EDUCATION with payment complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I have been disputing this account and going back-and-forth with Best Buy since XX/XX/2023. I keep getting the runaround and they keep denying my dispute but keep continue to tell me to refill it over and over. I order earphones for my daughter and went on vacation for her birthday, which is XX/XX/XXXX I get back And go and pick up the earphones and ask in the statement below I was initially told that they were sent back because I took too long to pick them up. It has been back-and-forth since then between customer service and Best Buy store. Story short they keep sending back my dispute, saying that the companies policy is to ask for identification, which was not done According to the manager who works at the Best Buy location in XXXX Delaware. She stated that they do have a lot of situations with the seasonal workers, not asking for identification and or just giving The wrong items to different consumers. 

After one of my disputes early this year they told me I needed a copy of a police report for the records to open up the dispute. So I called XXXX XXXX police and got a police report. 
I called Back give them the number and they tell me they never needed a police report, but took the Police report number, officer name, etc. I have submitted a claim to the Federal Trade Commission as well. I have uploaded a copy of my Was not in the state of Delaware during this transaction pick up I even sent in a statement that they asked me to send. I have done every single thing they asked me to do for almost a year, and this company is still going back-and-forth with me about this dispute, its been sitting dispute often on for almost a year and every time I call someone is telling me theyre getting it rectified its gon na be taken care of and it will be off of my credit report, but its not. 

To make matters first, they are Illegally negatively reporting, my account as past due To all three Credit borrows wow it is actively in dispute status I bring it to their attention and they tell me that they will be corrected but its never done. The company illegally lowered my credit limit based on the reporting that I am in Late status when I am not which has affected my income ratio due to no fault of my own.

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 2024-08-09 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> at about XXXX XXXX, I transfered {$360.00} from my CashApp account to my XXXX account. The money hit my debit card balance account at XXXX. But after 4 minutes it disappeared. I contacted XXXX and they said it was returned to Cashapp and would not give me a reason why. After many contacts with XXXX, they could not give me proof that the money was sent back to Cashapp. I contacted Cashapp and they opened an investigation to try to find my money. But the information I gave then from XXXX like the transaction ID numbers they gave me, all turned out to be of no help or show proof that the money was ever sent back to Cashapp. So they closed the investigation and told me to contact XXXX because they never received the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I saw a charge to my account for {$200.00} to a mechanic for groceries. I disputed the transaction and they denied the charge back saying it was from a device in my possession but it was my ex boyfriend that did it to steal money from me. My phone was missing for 5 days then showed up on my porch. I told the bank that and they denied it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. 

I immediately contacted XXXX upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. 

As a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. 

I kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : 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 2024-08-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-08-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I closed a credit card during a divorce proceeding that was a joint account with my XXXX in 2018 with Navy Federal Credit Union. As the card was her responsibility I have not looked into any of the charges after the card was closed. Recently, I was reviewing all of my accounts and noticed that this card was getting charged for an insurance protection plan, which they currently no longer offer due to all of the problems they had with it, according to one of their managers. When I read into the insurance protection term of service, it clearly states under the " General Provisions '' section that we would be terminated from the program immediately when the account was closed. I called the bank and informed them of the error and the manager I spoke to, who also read the terms of service, agreed and sent a note to have the charges removed dating back to the closure of the account. Now, a few weeks later, I call back to find out the status and they are saying that it doesn't automatically cancel until I point out in the terms of service. Once their employee actually reads the disclosure, they agree and say they will send a message to the " right department '' to see " IF '' they can process the refund according to their own policies. The employees refuse to have anyone from said department contact me, I am not allowed to contact them, and it will take an undetermined amount of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
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 non-monetary relief
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Demand for Removal of Inaccurate Public Record and Compliance with FCRA Regulations I am writing to formally demand the immediate REMOVAL of inaccurate public record information DELETED from my LexisNexis consumer report. After obtaining both my LexisNexis report and the related XXXX  report, I have identified significant discrepancies in the information provided by LexisNexis. Specifically, LexisNexis has reported inaccurate XXXX  information, which I have verified as incorrect through multiple sources. 

Additionally, a security freeze was placed on my LexisNexis account on XX/XX/2021, and I reside in Ohio. Despite this freeze, LexisNexis shared my information with credit bureaus without permissible reasons, which is a violation of your companys policies and mission. 

Violation of FCRA Section 607 ( b ) : LexisNexis has failed to maintain reasonable procedures to ensure the accuracy of consumer information, as evidenced by the inclusion of inaccurate public records in my report. 
Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : LexisNexis has failed to verify the accuracy of the disputed information, despite my previous request for investigation. 
Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : LexisNexis has reported inaccurate public record information, which is both misleading and harmful to my creditworthiness. 

1. Highlighted Discrepancies : A copy of my LexisNexis report with the inaccuracies clearly highlighted for your reference. 
2. XXXX Report : A copy of my PACER report, which contradicts the information reported by LexisNexis. 
3. XX/XX/XXXXXXXX XX/XX/XXXX: An official statement from the XX/XX/XXXXXXXX, confirming that they do not report any information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2024, I sent a debt validation request to Credit Management LP regarding an account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) with a balance of {$640.00}, which pertains to XXXX  bills incurred after I vacated the property at XXXX XXXX XXXX, XXXX, XXXX. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), Credit Management LP is required to cease all collection activities, including reporting the debt to credit bureaus, until they provide proper validation if disputed within XXXX  days. Despite my timely request, they failed to validate the debt. 

In response to CFPB Complaint No. XXXX, submitted on XXXX XXXX, 2024, Credit Management LP acknowledged that they had " notified the credit bureaus to remove this tradeline from XXXX XXXX credit report '' but admitted that this " will not resolve the underlying debt. '' However, as of today, the tradeline has not been removed from my credit report, which is a violation of the FDCPA. The law is clear : If the consumer notifies the debt collector in writingthat the debt, or any portion thereof, is disputed the debt collector shall cease collection of the debtuntil the debt collector obtains verification of the debtand a copy of such verification is mailed to the consumer by the debt collector. ( 15 U.S.C. 1692g ( b ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation