vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have been trying to dispute my credit report with experian for over a year through the mail. And experian only wants me to do it over the phone or on line and I do not want to do that. I have tried calling them and all they say is that I can do it over the phone or on line, or send in a personal written letter saying that it is me sending in the letters of dispute. When I send in a dispute all I get from experian is an email saying that they received a dispute but it doesn't look like it came from me when in fact it did. I even sent the hand written letter like they suggested and I still get the same response. I am so frustrated with them that I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2023 and again XX/XX/2023 I called Capital One regarding my 2 credit cards about the hardship program. I spoke with XXXX ( ID # XXXX ) about the BAP program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what Capital One was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
Request for Immediate Deletion of Illegally Sold Information Due to Equifax Data Breach I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach.

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated.

I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
Request for Immediate Deletion of Illegally Sold Information Due to Equifax Data Breach I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach. 

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated. 
I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: NJ

Complaint narrative:
I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO BANK THE TAKE OVER DEPARTMENT HAS LITERALLY TAKEN OVER MY ACCOUNT BECAUSE THEY BELIEVE IT IS NOT ME WHO CALLS EVERY SINGLE DAY AND REQUEST SOMEONE OF HIGHER AUTHORITY OR MANAGEMENT TO CALL ME. IT ALL STARTED WITH A BLOCK ON MY CARD OVER A MONTH IN A HALF AGO AT XXXX FOR XXXX DOLLARS AND CHANGE. I SPOKE WITH THE REP AND SHE HELPED ME AND XXXX HAVE THE TRASCATION GO THROUGH, I SHOWED MY ID TO THE CASHIER AT XXXX WITH THE REP FROM WELLS FARGO ON THE PHONE, THE TRASCATION WENT THROUGH AND EVERYTHING WAS FINE. 3 DAYS LATER I WAS NOT ABLE TO ACCESS MY ACCOUNT ONLINE OR USE MY ATM. I HAVE A XXXX XXXX AND XXXX XXXX AND I HAVE BEEN IN AND OUT OF THE HOSPITAL I AM NOT ABLE TO WALK AT ALL. I INFORMED THEM OF ALL THIS. THE MONEY IN MY ACCOUNT IS REPETATIVE FOR XXXX DELIVERIES, MEDICATIONS MY DAUGHTER BLESS HER HEART DEPOSITS A COUPLE OF HUNDREDS OF DOLLARS TO HELP. THANK GOODNESS I NEVER CHANGED MY SSI BENEFITS FROM XXXX TO WELLS IMAGINE I WOULD BE OUT IN THE STREET WITHOUT BEING ABLE TO PAY MY BILLS. THIS IS HARRASMENT AND ELDERLY ABUSE. I DONT WRITE CHECKS I DONT USE IT TO MAKE BIG PURCHASES ITS BASIC AND THE SAME OVER AND OVER. I VERIFIY THE INFORMATION OVER THE PHONE EVERY TIME AND THEY TELL ME STEP INTO A BRANCH OR CALL BACK 24 TO 48 HOURS AND SEE WHAT WE CAN DO. I HAVE REQUESTED SERVERAL TIMES AND I KNOW IT IS ALWSYS ON A RECOREDED LINE SO THERE IS PROOF THAT I HAVE REQEUSTED TO SPEAK TO HIGHER MANAGEMENT TO FIND A RESOLUTION. IT IS APPARENTLY OBVIOUS THAT THEY CAN CARE LESS THAT I USE THOSE FUNDS FOR BASIC HUMAN NEEDS AND THAT I HAVE HEALTH ISSUES THAT I AM NOT ABLE TO GO TO THE BRANCH. PLEASE HELP WITH THIS ISSUE I AM AN ELDERLY WOMAN WHO LIVES OFF THE HELP OF MY DAUGHTER FROM THAT ACCOUNT AND MY SSI BENESFITS AT XXXX. I ONLY WANT AT THIS POINT TO WITHDRAW MY FUNDS AND CLOSE THE ACCOUNT WITH WELLS AS THIS IS NOT THE TYPE OF BANKING INSTITUTION, I WANT TO HAVE THE LITTLE BIT OF FUNDS I RECEIVE FROM MY DAUGHTER. THANK YOU,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
inquiry was place on mt credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear Transunion : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 

These items are reported inaccurately : 1. 15 U.S. Code 1666b - Timing of Payment XXXX XXXXccount Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 


If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC, XXXX, & CFPB. 

I await your response. 

Sincerely, 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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Home Loan # XXXX I have respectfully been requesting Wells Fargo Bank and XXXX for over XXXX year since XX/XX/2022 to current to please Modify our Home Loan only to keep getting lead on with series of delays after submitting the requested documents multiple times. Wells Fargo Bank keeps asking the same repetitious questions even though I have submitted all the required documents several times. Currently they are asking the repeated questions pertaining to the exact the same documents that have been submitted since 2022 to present. 
It is very very disappointing that Wells Fargo Bank and XXXX continues to bully consumers like us. We are just a normal regular family trying to keep the XXXX XXXX of home ownership and are asking for the monthly mortgage to be affordable at around {$2100.00}, on a fixed low rate that includes the insurance, escrow and property taxes with no penalties for early payments. 
Respectfully looking forward to an amicable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: DC

Complaint narrative:
I just received my recent credit report, and I found an unrecognized inquiries on my XXXX credit file. 


It's an opened account for credit monitoring. I do not have an account with them. XXXX never extended me no line of credit. 
It's an Account Review Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX of this year XXXX full my balance off at America Express of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with XXXX. I have spoke with XXXX several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2023 at XXXX I went to XXXX to get a copy of my credit report. I was given an error message. That said to write them to fix it. I believe I am a victim of ID theft. I need to access my file immediately! US Mail is too slow. 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Creditor listed as XXXX XXXX for {$710.00}. I dont know what this is in regards to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is
inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. 
FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I do not owe this company any money as I have never contracted with them. I would like this company to cease and desist any communication with me through any and all mediums. I am not requesting any validation of debt and demand this company to delete the account from the consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: MI

Complaint narrative:
On XX/XX/2023 and again XX/XX/2023 I called XXXX XXXX regarding my XXXX credit cards about the hardship program. I spoke with XXXX ( ID XXXX XXXXXXXX ) about the XXXX program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what XXXX XXXX was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My father XXXX XXXX XXXX XXXX and I received AMEX credit card spending offer from AMEX. The offer requires $ XXXX spending for {$200.00} credit. 

Here is the offer term : Offer valid only on room rate and room charges at the following XXXX XXXX participating hotels in the U.S. and U.S. TerritoriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservations must be made online at XXXX  via the XXXX XXXX App We booked the XXXX, XXXX XXXX XXXX XXXXXXXX. Each of us spend $ XXXX on room charges, posted on XX/XX/2023. However, AMEX told us our transactions are not eligible because the hotel property is not in their list. 

But the offer does not disclose any property list in the term. It only specify that customer only need to stay in the specify hotel brands to be eligible offer. And we did that and met all other requirements

Company response to consumer: Closed with monetary relief