vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 explanation
Consumer complaint received 2024-12-25 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: MS

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

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 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 2024-12-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the accuracy of this account before and the errors/inaccuracies are still being reported. I demand that they delete this information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I deposited XXXX into a XXXX XXXX called XXXX on a new card where I won XXXX XXXX  and I tried to cash out and they said to contact support so I did. And they said my account is being restricted and wont be able to cash out my funds and I tried asking them for my money back and no answer. They just told me to contact my bank I have proof of that too. And I contacted Wells Fargo making a claim saying XXXX didnt give my my goods and I just got a letter from Wells Fargo right now saying they will not return my XXXX dollars because I made the transaction. Even tho I never received anything so I got scammed by XXXX. And On XX/XX/XXXX I got the case from Wells Fargo saying that it didnt happen and to contact XXXX  to get my funds back. However I did contact XXXX  once again and they said to contact my bank to get the funds.

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 2024-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Wakefield and Associates contacted me via text message during a meeting that exposed to my colleagues about a collection account. My colleague was reading out the text from my phone with my boss. I called Wakefield and Associates and no one would provide any bill that I owed. They said I had to request bill from them by mail. They kept sending multiple texts after they were told never to contact me through text and they had to send me a bill directly to my home Address. I also told them that XXXX XXXX XXXX already collected this debt on behalf of the hospital and its associates 2 weeks prior. My wife has also contacted the hospital to notify them of Wakefields practices. They have now on XXXX XXXX put a collection account on my perfect credit that they have never supplied a bill for. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hired an appraiser and he asked me to send the money via XXXX. I checked with him to confirm the phone number for the XXXX he did. ( I have all the email chains and confirmation from him ). After I paid the appraiser {$700.00} via XXXX and {$750.00} via XXXX on XX/XX/year>, he said that he didn't receive the money. He denied all the email he sent and said it wasn't me who send these emails. I told him then your email got hacked and he got angry at me. He told me it is the first time this happens to his company. 

I called chase bank and even went in person but the bank told me because I authorized the transaction, I can not have my money back and even they can not file a fraud claim. I have the name and phone number of a person ( the scammer person ) I sent money to via XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Bank of America, I am writing to address discrepancies in the reporting of my account ( Account Number : XXXX ) on my credit report. Upon review, I have identified a significant inconsistency regarding the account 's status that requires immediate attention. 

The account is simultaneously reported as " charged off '' and " past due '' with a balance of {$820.00}. This reporting is inconsistent and misleading, as a charged-off account indicates the debt has been written off by the creditor as a loss, and it should no longer accrue a past-due status. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inaccurate and Misleading Reporting : Under the FCRA, creditors are required to ensure that information furnished to credit reporting agencies is accurate and not misleading. The dual status of " charged off '' and " past due '' creates confusion and may unfairly harm my credit profile.

2. Failure to Provide Clear and Consistent Information : This inconsistency violates FCRA provisions that mandate clear and accurate reporting of account statuses.

3. Double Penalty Impact : Reporting the account as both charged off and past due results in a negative double impact on my creditworthiness, which is unfair and improper.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to this agency and it came back " verified ''. The thing is, errors are still on my report even after the result therefore I submitted another dispute noting every single error. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX is practicing in a fraudulent scheme with Navy Federal and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the NCUA. The debt was insured and paid back to Navy Federal and was deleted from my credit report. Then resurgent XXXX bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the NCUA paid the debt back and the debt was deleted from my credit report. If XXXX wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is practicing in a fraudulent scheme with XXXX XXXX and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the XXXX. The debt was insured and paid back to XXXX XXXX and was deleted from my credit report. Then resurgent XXXX bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the XXXX paid the debt back and the debt was deleted from my credit report. If XXXX wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}

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 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX misleading me and taking money from my account directly from me. With out fixing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and 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 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to this agency and it came back " verified ''. The thing is, errors are still on my report even after the result therefore I submitted another dispute noting every single error. Please see attached.

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 2024-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I opened XXXX XXXX XXXX XXXX individually using 2 separate promotion codes that we received on XX/XX/XXXX. Then deposited {$50000.00} as new money ( {$25000.00} in each of our accounts ), within 30 days on XX/XX/XXXX as per the offer requirements to get promotional bonus amount of {$520.00} for each account holder. 
When we followed up with Wells Fargo, every time we were told the bonus amounts would be deposited within 2 weeks, but it never happened.

We waited about 6 months to get a {$520.00} + {$520.00} promotional bonus payment in each of our 2 newly opened accounts, with enormous trust and faith in Wells Fargo Bank.

When insisted Wells Fargo registered our complaint. But Wells Fargo mercilessly denied our entitled promotional bonus. 
This is beyond our imagination why Well Fargo is treating us very unfairly and in a discriminated manner. This is our worst banking experience in our entire lifetime.

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 2024-12-25 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: NY

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-25 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
i have identied information on my report that are a result of identity theft these account do not belong to me XXXX XXXX XXXXXXXX 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 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 2024-12-25 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: NJ

Complaint narrative:
Experian Late fees and Closure of accounts which reflect badly on XXXX XXXX XXXX 's behalf. ) I disputed this information a couple of times there are also some addresses on my report that should not be at all. 

Date Submitted : 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 These reports have late charges and /or need closure of the web bank account in any case the XXXX XXXX  is late fees that do not agree with the facts and according to 15 USC sec 1681, it is my right not to have these late fees reflecting on my account when my account is active and current also, there are many inquiries I did not myself inquire for and are spread throughout my account that are not attached to my XXXX accounts on record this is a bad mistake as well on their part and I would like nothing better than to continue using this great system to better my future.

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