vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a Wells Fargo account XX/XX/XXXX after trying to take advantage of their XXXX account - a digital banking product. XXXX continued to invite me and offer a {$150.00} bonus for signing up, however I was told repeatedly to go into the branch to verify my account. 

The branch was unable to find a department to verify the account, but instead offered me their Everyday Checking account- which I was promised would come with the same fees/bonuses/benefits as XXXX. This was clearly a lie, as its already been shown that Wells Fargo branches will do anything in their power to open an account for a customer- whether they wanted it or not. 

The account worked, however monthly fees began to accrue during the Pandemic. Additionally, I never received a {$150.00} bonus or the promise of NO overdraft fees as the entire nation was - quite literally - shut down and money wasnt flowing as usual. 

After expending multiple hours on phone calls trying to get the original offer - I simply gave up. In XXXX of XXXX I had a transaction with a merchant - XXXX - that wasnt delivered. A dispute was filed with Wells Fargo that showed no delivery, no valid tracking number, and no cooperation from the merchant. Wells Fargo originally provided provisional credit and then reversed it when the merchant replied to the dispute with no proof of delivery. Wells Fargo closed the dispute and despite requesting the documents they relied upon for their decision - as per Regulation E- they refused to do so. I closed the account, and now Wells Fargo is erroneously reporting a {$98.00} negative balance - despite the number not even coinciding with the amount of the dispute. Further, a later transaction with XXXX would show that they refunded that order. 

Wells Fargo has engaged in a string of fraudulent behaviors towards a consumer, and this complaint should be resolved immediately.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block

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 2024-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly remove these inquiries. I am not informed about them, and the company did this without asking me.

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 2024-06-20 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: OK

Complaint narrative:
Went to a American First Finance for furniture. It was around the holidays, I applied for a line of credit which I received to purchase the furniture. Their was a Pay to lease, I realize that there was only 110 days to payoff the original cost of {$2300.00}. I pay XXXX every XXXX weeks. It is months after this time line. I have called multiple times to work out a deal. The first deal was a settlement of XXXX, XXXX dollars. Which they claimed XXXX, XXXX was remaining due to the leasing agreement. I found this unacceptable due to the furniture cost and That 110 days was not a sufficient amount of time. I called a second time, spoke with a supervisor and explained the situation I had XXXX XXXX and needed to pause payments. The supervisor offered me a XXXX dollar settlement on top of what I have already paid. The deal was that I only had 30 days to pay this and could ask for an extension. I just cant get the money together. They call and text non-stop. Now my credit is on the line, while I search for a home. How is this allowed, they set me up to a contract that is impossible. In the end they get their money, They have my banking account information, my credit negatively effected. I mean their basically making me pay XXXX dollars. It's just not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Hello. I would like Barclays taken off my credit report. This credit has been open since XX/XX/XXXXand has been closed charged off by the company.

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 2024-06-20 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: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-20 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:
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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMERCE BANK
State: MO

Complaint narrative:
My account with COMMERCEBK was never late! I have had exceptional payment history with COMMERCEBK 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 XX/XX/year> and XX/XX/year> 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stein Law, P.C.
State: CO

Complaint narrative:
The company incurred a debt with XXXX through a loan that was offered to me in a manner that I find to be excessively aggressive and potentially exploitative. I accepted the loan without being fully informed of its terms and conditions. As a person with a XXXX experiencing fluctuating financial resources, I would not have chosen this option had I been provided with clearer information or pursued a more transparent provider. 

Due to my XXXX, I faced challenges in keeping up with payments, resulting in the closure of the account and its transfer to collections. My frustration is compounded by the fact that XXXX wrote off the account as bad debt, securing 100 % tax relief from the government, and subsequently sold my account to another company which is now attempting to collect the original debt plus substantial interest. This practice of 'double dipping ' into funds raises significant ethical concerns. 

Furthermore, the company to which my debt was sold, Mountain Peak Law Group, has been uncooperative in negotiating a feasible monthly payment amount. Despite my repeated explanations that I can not afford their proposed $ 85 monthly payment, they compelled me to sign an agreement under duress during a court proceeding. This situation has led to default, placing me at risk of homelessness and jeopardizing my recent employment due to potential garnishment or the inability to meet their financial demands. 

For nearly a year, I have been borrowing money to meet the agreed payment, which has placed me under considerable financial strain. As a XXXX individual, I believe that providers like XXXX and Mountain Peak Law Group should not exploit vulnerable individuals like myself. I urgently seek assistance to address this unjust situation and ensure fair treatment for XXXX individuals in financial matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IN

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
I signed up for the American Express XXXX XXXX cash card on XX/XX/XXXX with a welcome offer of spend {$3000.00} in 3 months for a {$250.00} credit. After I met this spend prior to XX/XX/XXXX, I never received the credit. Upon contacting for investigation on XX/XX/XXXX, XXXX, and XX/XX/XXXX Amex states that the offer was spend {$15000.00} on a year for {$250.00}. This offer was never shown to me on sign up. They will now not honor the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
Having my wages garnished from my place of work XXXX XXXX XXXX XXXX XXXX By a " Crown Assets LLC ''. All I was given was a phone # XXXX # lead nowhere. Had to do own research. Contacted Crown LLC, they asked for FULL SSN. I asked if they could look up by the last XXXX digits, was told no. 

Contacted Court from where it would of been filed. Court found NO cases tied to a " Crown assets LLC '' Pay Cycles and Garnishment amount XX/XX/year> - XX/XX/XXXX for {$190.00} XX/XX/XXXX - XX/XX/XXXX for {$180.00} XX/XX/XXXX - XX/XX/XXXX for {$190.00} XX/XX/XXXX - XX/XX/XXXX for {$190.00} total {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received by mail, a letter from Transworld Systems Inc., trying to collect a supposed energy service pending to pay invoices. It shows 2 accounts on late payment status that are not mine. 
The accounts are from an energy power company named XXXX XXXXXXXX XXXX XXXX from ( both ) XX/XX/year> for the amount of {$370.00} and {$380.00}. I have never worked with that energy company. This is the third time TSI try to collect this invoices from me and this is the third time I have to reject and clarify the wrong collection with them. 
My Energy provider at that dates were XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX, TX XXXX. I dont have any other addresses. So what TSI are trying to collect are fake or for another XXXX XXXX ( homonym ) accounts. 
It is important to mention that about four years ago I put a Security Freeze in my Credit Report to avoid this kind of problems. So it is not possible that this accounts exists due that I never consented them. 
If Transworld System Inc. and XXXX XXXX XXXX  XXXX insist in not removing these fake accounts, I will demand them ( again ) to show me proof, copy of the Energy Bills that they falsely claim I didnt pay, including the following information : - Account Number - Invoice Number - ESI Number - Meter Code Number - Customer Name - Customer Address - Previous Meter Read - Current Meter Read - Kwh Usage - Bill Date - Total amount due - Period of electricity provided. 
- Opening Balance - Balance Forward - Due date - Electricity Charges- XXXX  Charges - Cost per Kwh Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
according to FRCA law Section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.

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 2024-06-20 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: Synovus Bank
State: GA

Complaint narrative:
I recently reviewed my credit reportXXXX and noticed an account that was not reporting accurately. I had one late payment on two separate accounts XXXX & XXXX that was certainly paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late. Ive attached a copy of my report to the complaint of the following date XX/XX/year> I am requesting you to investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding.

Company response to consumer: Closed with explanation