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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C Title 15 1681c. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title XXXX XXXX ( G ) ( i ).

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency XXXX not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C XXXX XXXX XXXX. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent in multiple disputes with Equifax regarding accounts of my credit report that are fraud and they keep coming back as verified even though I have gave them identity theft reports and other documentation they will not remove the information from upstart, XXXX XXXX, XXXX or XXXX I have even provided them with court documents I have even called on XX/XX/2023 and they told me they couldn't tell me how they were verify the account that the computer was automatically sending it back verified those accounts

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo offered a savings account opening bonus offer of {$520.00}. 
I opened the account with a deposit of {$25000.00} on XX/XX/2023. Funds were left on deposit and a withdrawal of {$21000.00} was made on XX/XX/2023. 
Wells Fargo refused to pay me the bonus because they claim I withdrew my money too early. 

How to qualify for your {$520.00} bonus : Eligibility Requirements : This offer is for new savings customers only. All Wells Fargo consumer savings accounts are eligible for this offer with the exception of Time Accounts ( CDs ) and savings accounts offered by Wells Fargo XXXX XXXX. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo savings account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer savings account You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months, You are a Wells Fargo employee Bonus Requirements : To receive the bonus, you must : Open a new Wells Fargo XXXX savings account with a minimum opening deposit of {$25.00} in a Wells Fargo branch by XX/XX/2023. All account applications are subject to approval. 
Bring {$25000.00} or more in new money to your new savings account by Day XXXX and maintain at least a {$25000.00} balance through XXXX XXXX after account opening. 
New money is money that is new to the customer or new to Wells Fargo ( deposited into the customer 's new savings account directly from outside of Wells Fargo and XXXX and all affiliates, or from a Wells Fargo account not owned by the customer ). 
Bonus Payment : We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements. 
The new savings account must be open at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. 

I feel I fulfilled all the requirements and I hope you also agree. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
When I did a purchase they charge me twice. 
Maintenance fee One year ago I have credit card and I closed it I had cash reward on it they didnt send it to me.

They also have sent me new card and charged me for me All this was done through Bank of America in 2022

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I purchased furniture in XXXX from XXXX XXXX, and XXXX XXXX  help with a loan. I made on-time monthly payments until XX/XX/XXXX, when suddenly the account was closed because my credit score went down. 
I called the servicer. I asked them why they closed an account with good payment history. 
The customer service person told me they closed it due to my credit score being low. 
I could no longer make payments on a closed account. 
I see on my credit report the account still shows as a collection with a balance of {$2000.00}, I called them to pay on that due account and they said they can not find the account, or me owning anything. 
I am attaching a recent credit report taken by a HUD XXXX XXXX and the account shows as {$2000.00} unpaid balance ; however, also attached a credit report from XX/XX/XXXX where the same account shows a balance of {$1500.00} and a note on the account that says payed on time never late. 
I want to have this account removed form the report or at least not shown with a balance due. 
I am trying to purchase a home and this account is not allowing me to secured a mortgage.

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: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
Hello, I am trying to have my mortgage lender process a XXXX XXXX XXXX XXXX XXXX XXXX. 

My lender is Freedom Mortgage. Freedom Mortgage is not acknowledging that this process exists, providing in anyway. 

I believe they are deliberately denying my requests in their own interest. 

A release of liability for an existing XXXX XXXX XXXX XXXX XXXX XXXX mortgage is my legal right as a XXXX My lender is violating my rights and not upholding the laws and procedures of XXXX XXXX Mortgages.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation.

If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, 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 2023-07-17 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: GA

Complaint narrative:
RE : REQUEST TO BLOCK INFORMATION DUE TO IDENTITY THEFT I am writing to formally dispute the validity of the debt listed under my name and social security number, specifically the account titled " DEPT OF EDUCATIONXXXX  '' ( Account # XXXX ) which was allegedly opened on XX/XX/2015, with a reported balance of {$150000.00}. 

I have no knowledge of this account and firmly assert that I did not open it or authorize anyone else to do so on my behalf. Consequently, I believe that I have been a victim of identity theft.

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 — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I did not open this account please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX collection account ending XXXX was deleted from my Equifax report, however the collection reappeared on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
After my account was frozen due to some fraudulent activity, I changed my password ( both on my Venmo account and my associated email address ) and removed all unknown devices linked to my profile. I sent a follow up email and only got an email reply with a bunch of unhelpful articles from them that all basically advised to " Refer to the email we sent you for further instructions, '' but guess what's NOT in any of those articles ... yep, no " further instructions '' outside of what I'd already done. When I tried to call and spoke with someone I was told that the case had been escalated to another department that would reach out to me " within 5-7 business days, '' when I've already been waiting for a resolution for almost a week. The agent escalated the case and stated " HOPEFULLY an agent in that dept. will email you sooner than the 5-7 days. '' I requested to speak with someone in that dept. but was told that they " don't have phones '' and " only communicate via email. '' I've worked at enough call centers in my life to know that that's a lie. There's no way that there's not SOMEONE there that I can speak to that can resolve the issue whether in the dept supposedly handling my case or a manager. I currently work three jobs in order to make ends meet and one of them pays via Venmo, so I can't receive what's owed to me currently ( to pay my bills ) until this is resolved .... god knows when that will happen. If I had another option of getting paid by that employer, you better believe I'd already have done it.

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: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Company RMP LLC Keeps calling about a debt I suppose to have and if I don't pay they will take me to collection. If I answer they hang up, if I call back they answer but don't say anything just stay breathing on the phone. If I don't answer they keep leaving voice-mails ( I have like XXXX! ). Their phone number is XXXX XXXX. I have my phone number on the do not call list and that not even help.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for the Bank of America XXXX  XXXX XXXX credit card on XX/XX/2023. This was an in-flight promotion on an XXXX  XXXX XXXX XXXX The promotion stated on promotional offer we received in flight from a flight attendant stated XXXX miles were to be credited for {$2000.00} spent within 90 days. The promotional card had a XXXX code which I clicked thru in order to sign up for the credit card and receive this promotional offer. 

I spent the required {$2000.00} between XXXX and XXXX of 2023 and expected the miles to be credited thereafter. I called Alaska XXXX in XX/XX/2023 to ask why my miles hadn't been credited yet, they informed me that Bank of America manages the promotions and I would need to speak to them. I called Bank of America XXXX XXXX in XXXX 2023 and was informed that the promotion associated on my credit card account was for {$3000.00} minimum spend within 90 days. I went into a Bank of America XXXX XXXX  in XXXX on XX/XX/XXXX to inquire about why the promotion on my credit card account was different from the one I had signed up for. A ticket was supposed to be opened that day to escalate my issue. 

I called Bank of America again on XX/XX/XXXX to follow up on my escalation, only to be told that no ticket was ever opened. The agent opened another ticket on XX/XX/XXXX. On XX/XX/XXXX XXXX received a letter in the mail from BoA saying they were unable to credit the miles onto my account because the promotion required {$3000.00} minimum spend - even though this was NOT the original promotion I signed up for. 

I requested that the annual fee of {$99.00} be credited back to my account since BoA had changed the credit card promotion in the system and it was now different from the original promotion I signed up for. They refused to credit back the annual fee. 

I have since closed this credit card.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/23 I reached out total ( 3 ) Bureaus advising I am a victim of identity theft and to remove the accounts as they were obtained or opened without my consent. I also sent my verifiable documents and police report. I have yet to hear anything back and its over 30 days.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN AND XXXX ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY 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 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose

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