vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I received an email from Wells Fargo about a {$520.00} bonus for new savings customers ( Bonus offer : XXXX ). Being retirees, and on a fixed income, my wife and I wanted to take advantage of this promotion. We completed the application at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the banker, XXXX XXXX XXXX noted on the application that the Bonus Offer was available. So, on XX/XX/XXXX, we deposited {$25000.00} into a savings account with the expectation that the {$520.00} would be added to our new account after the XXXX designated promotion period. So, on or about XX/XX/year>, I checked the account and found the funds were not added. When we visited the bank, they told us that because we had previously taken advantage of a similar offer less than a year earlier, we were not eligible. I had no recollection of that transaction, but I don't doubt that is accurate because we do try to take advantage of most all offers. However, we deposited all that money in good faith and could have been told at the time of application that we were not eligible. I find it very " convenient '' on the bank 's part, that they used our money for 3 months, yet couldn't find the time to let us know that we would not be earning our expected {$520.00} bonus. Had we known, at any time beforehand, we certainly would have found somewhere else to invest our nest egg. In this modern day of computers, the bank could have let us know immediately of our ineligibility... most likely with just a keystroke. Due to their negligence, we believe Wells Fargo should demonstrate their good faith by providing us the promised {$520.00} that we had been expecting. By not granting this request, the bank 's denial could be construed as either gross incompetence or ... even worse - downright fraud against unsuspecting XXXX citizens!

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 2024-10-14 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:
Equifax is reporting a bankruptcy account number XXXX and have not provided me with proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am not liable for this debt with XXXX, I do not have a contract with SECURITY CREDIT SERVICES, They did not provide me with the original contract as I requested. SECURITY CREDIT SERVICES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
Please be aware that some false information that has been mistakenly validated as accurate appears on my credit record. No changes have been done, even though I've given proof that shows the information is false. 

This is against the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting companies to look into and fix mistakes. I want this situation looked into again right away, and I want the false information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a digital letter from Navient on XX/XX/year> that can be found on my Navient portal upon logging in. This letter denied me my application for the School Misconduct Discharge application that I had sent in the previous months and was periodically requesting updates on. Ironically, on XX/XX/year> I also got an update from Navient stating that on XX/XX/year> XXXX would be taking over my Student Loans. Odd. 

The denial of my application was very vague and essentially a default statement that doesn't specify why my School Misconduct Discharge application was denied ; despite me submitting tons of documentation, evidence from a community college I went to after attending XXXX XXXX XXXX XXXX, and answering or providing all the required questions/materials to my fullest potential. I called Navient 's hotline number specifically that directs to the School Misconduct Applications advocates and I was told the same generic reason as to why my application was denied and the customer service associate specifically told me to re-submit with more material, be as detailed as possible, and hand over any evidence or anything to help support the application process. Again, I already did this, I even went to lengths to provide evidence that the school I attended after The XXXX XXXX XXXX XXXX did not have credit transfers because XXXX XXXXXXXX XXXX XXXX is labeled as a non-credited institution, this letter was printed from the community college, signed, dated, and I attached my transcripts from the community college I attended after XXXX XXXXXXXX XXXX XXXX 

I want to ensure I am doing the correct things, and I am re-submitting my application with slightly more evidence, and a bit more detailed in the next day or two. I am submitting this because of the vague generic answer Navient gave me, and to ensure my private loans are discharged due to the misconduct of the Art Institutes that I was affected by and due to FTC Holder Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear cfpb, I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent transaction that took place on my account without my knowledge or consent. I discovered a {$100.00} transaction from my bank account linked to Venmo, which I had not authorized. Upon reviewing my Venmo account, I realized that this transaction occurred while my phone was left unattended. 

I immediately contacted Venmos dispute department and provided details regarding the unauthorized nature of this transaction. Unfortunately, my claim was denied without explanation, and I was not given the opportunity to fully explain the situation. I also pointed out that the recipient of the funds had purchase protection turned on, which should have triggered a more thorough review, yet my concerns were not addressed. 

I am a recent XXXX XXXX XXXX with significant student loans, and this unauthorized transaction has put me in a difficult financial situation. As a result of studying at public places such as libraries and cafes, I believe someone may have taken temporary control of my phone and processed this transaction without my knowledge. 

What makes this situation even more distressing is that I was advised to contact the recipient directly, despite having no prior knowledge of this person and feeling unsafe reaching out. Given the circumstances, I do not feel comfortable engaging with someone I believe may have acted dishonestly. 

I kindly help my case and provide any assistance in recovering the funds. I have been a responsible user of your platform, and I hope you can understand the severity of this situation. Your attention and prompt action on this matter would be greatly appreciated. 

Thank you for your time and understanding. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( XXXX, Equifax, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : 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 XXXX XXXXXXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( Experian, XXXX, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : 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 XXXXXXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.

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 2024-10-14 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian report # XXXX Experian has inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX there are errors XXXX  on the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I hope this message finds you well. I am writing to seek assistance regarding my Capital One account, which has been charged off while I was enrolled in a XXXX XXXX due to my financial difficulties as a XXXX XXXX XXXX XXXX 

After discovering my past due account, I contacted Capital One and was informed of the need to check in monthly. Despite my efforts, I recently learned that my account had been closed due to non-payment, even though I was following the program 's requirements. {$5500.00}. 

I have also received threatening letters from XXXX XXXX XXXX without prior communication. I was served papers stating I would be taken to court if I did not respond. My attempts to reach them have been met with rudeness, adding to my stress. 

As a single mother of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am struggling to provide for my family while relying on government assistance. The ongoing stress is affecting my mental health, and I fear for my family 's wellbeing. 

I believe my rights to fair treatment and support are being compromised. I kindly ask for your help in addressing this situation so I can focus on my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc.
State: CO

Complaint narrative:
Mercury banking and credit for businesses app told me that I was unable to get a business checking account through them, I have my ein and LLC filed, my personal credit score is a XXXX last it was pulled, and when I asked for the denial reasons, they told me the team that approves account requests follow many criteria but that they're not required to tell me that information and they won't reconsider the decision. I understood that it was illegal for any creditor to deny business funding due to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one asked me to verify my income which I attempted to do. And then with no notification they closed all 3 of my credit card accounts down. I had close to XXXX XXXX  and XXXXXXXX XXXX in travel credit that disappeared. When I tried speaking to them they said they cant do having about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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 am reaching out to file a complaint on XXXX, XXXX and TransUnion about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that TransUnion, XXXX and XXXX cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that XXXX, XXXX and TransUnion provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to file a complaint on Experian, XXXX and XXXX about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, XXXX and Experian cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that Experian, XXXX and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation