vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: NY

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 2024-10-27 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-10-27 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: NJ

Complaint narrative:
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # XXXX ; s main goals are to balance the government & # XXXX ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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:
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Subject : Unfair Credit Denial and Inaccurate Justifications by Wells Fargo ( Case # XXXX ) Complaint Details : I am filing a complaint regarding Wells Fargos denial of my application for their 2 % Active Cash card, based on inaccurate information about my credit profile and inconsistencies in their response. 

Key Issues : 1. Misrepresentation of My Credit Profile : Wells Fargo claimed no open credit account reported with a balance, and not enough credit cards, retail cards, or credit lines paid as agreed. However, my credit reports confirm a 7-year history, 100 % payment record, and multiple open credit accounts in good standing. 

2. Inaccurate Application of Credit Usage and Limits : They cited issues with amount of credit available on open bank cards and stated that my accounts do not show responsible credit use. In fact, my report shows responsible credit usage with ample available credit across accounts, all managed well. 

3. Incorrect Claim on Account Age : They stated credit accounts opened too recently as a reason for denial, though my last significant account opening occurred over two years ago.

4. Transparency Concerns with Customer Service : Wells Fargo could not locate a recording of my call despite previous assurance of recorded calls, raising transparency concerns about the quality of Wells Fargos response process. 

Wells Fargos inaccurate response led to the denial of a card I should have qualified for, based on their stated criteria. I am requesting the CFPB review their application process to ensure fair assessments and transparency in handling recorded interactions. 

Thank you for your attention to this matter.

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 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management is trying to collect a debt that is now past the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: DE

Complaint narrative:
I am filing this complaint against CarMax for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability. 

Here are the facts : I paid off a car loan with CarMax in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
CarMax reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, CarMax acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of CarMaxs inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required. 
My disqualification for a home loan, crushing my familys financial plans. 
This reporting error has had catastrophic consequences for me and my family, and CarMax must be held accountable for violating my consumer rights. Specifically, CarMax has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. CarMax failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status. 
15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, CarMax has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation. 

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage CarMax has inflicted on me and my family. 

I have attached all documentation, including payment proof and communication records, to support my claim. 

I expect a prompt response and a thorough resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting.

As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX  and XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.

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 2024-10-27 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: DE

Complaint narrative:
I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability.

Here are the facts : I paid off a car loan with XXXX in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
XXXX reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, XXXX acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of XXXX inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required.

My disqualification for a home loan, crushing my familys financial plans.

This reporting error has had catastrophic consequences for me and my family, and XXXX must be held accountable for violating my consumer rights. Specifically, XXXX has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. XXXX failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status.

15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, XXXX has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation.

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX ( XXXX  ), the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage XXXX has inflicted on me and my family.

I have attached all documentation, including payment proof and communication records, to support my claim.

I expect a prompt response and a thorough resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
EXPERIAN has VIOLATED XXXX  as well as ( FDCPA/FCRA ) LAWS BY REPLYING TO MY DEMANDs WITH MISCELLANEOUS replies that are not addressing the issues at hand such as THE NEGATIVE ITEMS on my consumer report.

IVE DEMANDED SEVERAL TIMES FOR EXPERIAN consumer reporting agency to provide me with the WHO, WHAT, WHERE & HOW they verified NEGATIVE items on my consumer report. 


THE NEGATIVE ITEMS has NEVER been verified & NO PROOF has been provided to me, WHICH IS ILLEGAL

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 2024-10-27 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: World Acceptance Corporation
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX ] [ XXXX, SC, XXXX ] Subject : Notice of Violation of FCRA, FDCPA, and TILA Demand for Compensation or Intent to Litigate Dear [ WORLD CORPORATIONS ], I am writing to formally notify you of multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Specifically, this notice concerns the improper addition of a deferment charge with code XXXX to my account, which was a closed-end loan subjected to a charge-off. 

XXXX XXXX XXXX  Background - **Alleged Account Number : ** [ XXXX ] - **Initial Charge-Off Amount : ** {$180.00} - **Maximum Cap : ** {$240.00} - **Accrued Amount Due to Monthly Additions : ** {$290.00} - **Deferment Code : ** XXXX XXXX XXXX XXXX Specific Violations XXXX. XXXX XXXX XXXX XXXX ( FCRA ) Violation : ** - Reference : 15 U.S.C. 1681 - The inaccurate reporting of charges related to the deferment code 0218 is a failure to meet FCRA standards for accuracy.

2. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Reference : 15 U.S.C. 1692 - Charging additional fees without proper validation and communication violates FDCPA guidelines.

3. **Truth in Lending Act ( TILA ) Violation : ** - Reference : 15 U.S.C. 1601 - Imposing charges contrary to those disclosed at the initiation of the loan violates XXXX 's provisions. 


# # # Demand for Compensation # Compensation Calculation GIVEN THE SCOPE OF THESE VIOLATIONS AS FOLLOWS : FOR A PERIOD OF 81 months, I am seeking compensation calculated as follows : **STATUTORY DAMAGES : XXXX per violation, per month XXXX VIOLATIONS : XXXX -**MONTHS : XXXX -TOTAL : XXXX { XXXX violations x XXXX XXXX } **EMOTIONAL DISTRESS DAMAGES : {$5000.00} -DAMAGES FOR CREDITWORTHINESS IMPACT : {$3500.00} -COMPENSATION FOR TIME SPENT ON RESOLUTION : XXXX -GRAND TOTAL COMPENSATION DEMANDED : XXXX I demand an immediate correction of the account details, the removal of all unlawful charges, and compensation for any resultant damages caused by these violations. If the matter is not resolved within 30 days, I XXXX pursue legal action to assert my rights under the aforementioned laws. 

# # # Conclusion This letter serves as a final notification to rectify these violations. Failure to respond satisfactorily within the given timeframe will necessitate initiating litigation to seek relief, including potential punitive damages. 

I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TN

Complaint narrative:
I, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. You have 30 days to respond to this letter. Please do so. 

This company failed to respond to this letter I sent on XX/XX/year>. According to the FCRA, this company is in violation. Please delete these accounts from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear CFPB Officials, I am writing to formally address the complaint I filed regarding the Apple Card promotional bonus of {$100.00}, which I have not received. My application for the Apple Card was completed on XX/XX/year>, after receiving an invitation link from a friend. However, Goldman Sachs Bank has claimed that my application was submitted on XX/XX/year>, a statement I believe to be unfounded and without proof. They try to argue that I did not submit the application on the promotional period to mislead the official of CFPB. I have submitted this case before ( complaint ID XXXX ) but it was not properly solved. 
Despite my repeated attempts to resolve this matter directly with Goldman Sachs, I have encountered an endless cycle of requests for the promotional link screenshot. Each time I provide the requested documentation, I am informed that they will build a case, only to be asked for the same evidence again in subsequent communications. This lack of resolution has led me to believe that Goldman Sachs is evading responsibility for honoring the promotional offer. 
Furthermore, the assertion that I applied prior to the promotional period appears to be based on fabricated evidence intended to mislead your office. It is deeply troubling that a reputable institution like Goldman Sachs would resort to using false information in an attempt to undermine my legitimate claim. This behavior not only affects individual customers like myself but also undermines the trust and integrity of the CFPB process. 
I can provide supporting documentation, including my XXXX credit report, which clearly shows that my Apple Card was opened on XX/XX/year>. Additionally, I have the screenshot of the invitation link from my friend, which explicitly states, " you received an exclusive Apple Card invitation from my friend. '' I respectfully request that you review my case thoroughly and take into consideration the evidence I can provide. I urge you to look beyond Goldman Sachs ' misleading claims, as they seem to be attempting to cheat the officers of the CFPB. 
Thank you for your attention to this matter. I look forward to the response and will continue to pursue this issue until it is resolved satisfactorily. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-27 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: NY

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 response to consumer: Closed with explanation