vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX, I did an online search for banks who were offering a promotional bonus to open a new checking account and came across Wells Fargo offering {$320.00}. 
XXXX XXXX XXXXXXXXXXXX  This offer is available in-branch and online and gives a {$320.00} bonus when opening a new Everyday Checking account and doing a total of {$1000.00} in direct deposits within 90 days. 

Once enrolled, I immediately updated the direct deposit with my employer to meet the qualifications above. The offer either requires you to click on a link to open online or use a bonus code at a local branch - I chose to follow the link to open online. 

First Wells Fargo tried to tell me that I had not met their promotional guidelines in a timely manner. When I proved to them that was not true, they changed their story to now telling me that I did NOT use the link on the online offer webpage. This is extremely frustrating because how can I prove that I did, other than the fact that I saved the information online? The only other way I could open this account is to go directly through their website. If I had done so, why would I jump through all of their qualifications stated on their offer to qualify for the promotional bonus?

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XXXX XXXX file disputes with Equifax on 7 accounts 1. bankruptcy XXXX being reported on mi credit file & report. Aswell as 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 asking Equifax their Method of verification and the results of their investigation on all accounts. I have sent Equifax a copy of my State ID and a Water Bill please see the Dispute letter dated XXXX XXXX & XXXX XXXX both of my dispute letter came with My State ID and water bill to my home with the address On XX/XX/2023, I received a letter from Equifax asking me for a copy of my State ID and a utility bill this is a game that Equifax that is playing with me Eqifax has fail to following the 15 U.S.C 1681 I ( a ) where the investigation? also, I contact the bankruptcy court in person as well as the clerk and i was inform the court does not reporting to the credit reporting agencies or due any verifying or validating please see letter dated XXXX XXXX in my disputes to Equifax. XXXX fail to conduct a proper investigation under 15 U.S.C 1681 ( I ) ( A ) I also inform Equifax that I do Not Consent to E Oscar Verification. Eqifax is violating my consumer rights, and this must stop.asking the CFPB to hold Equifax accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, XXXX Re : Opt-Out Request for Account Number : XXXX Dear XXXX, I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974.

Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
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 explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These items doesnt belong to me and I would like them removed from my credit report. It always goes against my consumer affair rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : 1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] 2. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] 3. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] 4. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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:
Unbelievable but yes there still working on the issue the same is thars been from XX/XX/ till now which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-16 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: NY

Complaint narrative:
My XXXX account was sold to another company and XXXX never reported anything late but the new company took over and have 3 late payments under there account and i wasn't with them during that time i called them and they say they didn't do it but XXXX never reported late payments i call the new company and was told to file a dispute with all 3 credit it bureaus to get the late payments removed. New company is 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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, My concern is not being able to shop or make purchases with Afterpay through my Afterpay account due to this freeze that was placed on my account on XX/XX/2024. I made a mistake for what was said and I have apologized several times for what took place. I am sorry for what was said as I was upset about this promo situation that took place with another order. I have begged Afterpay to provide me with a second chance to allow me to shop with Afterpay and allow me access to being able to utilize my Afterpay account for other orders. I have been a customer with Afterpay for several years. Ive made my payments on time and always enjoyed using the services offered by Afterpay. Please let me know if Afterpay would be willing to allow me another chance to shop with Afterpay or what I can do to make this up. I am not the type of person that is rude or disrespectful and I apologize if thats how my actions came across. I have asked Afterpay to contact me at my phone number XXXX so that I can apologize to your company for what was said. I did not mean any disrespect to any employees or to Afterpay as a company. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: SD

Complaint narrative:
Total visa is opening accounts with my permission! I can never get it thru the representatives or speak to fraud, constantly on hold, and blamed accused. I never opened this credit card or used it for uses, as I was accused. Close the account and claim it as fraud application!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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:
I called transunion on XXXX XXXX. I spoke with a representative who informed me my credit report has not been updated since XXXX for my XXXX loans. It shows I owe XXXX in XXXX loans because they have duplicated information on my credit report. 

I explained the still currently have XXXX and XXXX Bankruptcy, XXXX XXXX XXXX, and XXXX. 

When speaking with the represetative my credit report with Transunion has not been updated since XXXX. She did see all of the documents and certified mail I sent in to dispute the information. 

I requested for them to remove all XXXX  loans which are reporting inaccurrately the agent informed me it was my responsibility to send them the corrected information. 

he Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection Act3 such as the Truth in Lending Act and the Fair Debt Collection Practices Act. 

1. My XXXX  loans are reporting Inaccurately and should be Removed because they have not bother to report correctly since XXXX. 
2. XXXX is a collection agency and is not reporting information which is contractual agreed upon. 
3. XXXX XXXX XXXX has been on my credit report since XXXX and it is extended.

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: WI

Complaint narrative:
Experian, XXXX, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously filed a CFPB complaint about this issue. My complaint was supposed to be handled by XXXX XXXX at Truist. XXXX never responded to my complaint. I believe XXXX has violated the 45 day rule. 

Truist applied for a different type of line of credit than what I was told I was being applied for. I showed up with funds to create a secured card. They applied me for something entirely different and they have cause harm to my credit report. 

They have disregarded my first complaint and refused to make corrections to my credit report. Truist refused to communicate with me during this complaint process. They never attempted to resolve the issue. They actively ignored my emails and calls and voicemails. 

XXXX Truist.

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 2024-01-16 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: PA

Complaint narrative:
Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX  XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  ( {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports.

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records.

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove.

Sincerely,

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 2024-01-16 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: PA

Complaint narrative:
Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : Equifax, XXXX, and XXXX. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX  XXXX ( {$1200.00} ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX  ( {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports.

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records.

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove. 



Sincerely,

Company response to consumer: Closed with non-monetary relief