vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
While checking my Equifax credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking you to remove these inquiries soon as possible. Thanks. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/ I redeemed XXXX points for NFL merchandise Comenity Capitol Bank Visa deducted the points but I did not receive my merchandise. I called numerous times, talked to supervisors and filed a dispute but nothing was resolved. In XXXX I tried deducting XXXX  more points for merchandise and again the company took my points but did not give me my reward. I filed complaints, talked to supervisors but again nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
This was a debt from a creditor of a management company that I took to court and was litigated, and one on my behalf case was dismissed on both parties, and all claims dismissed. I submitted this court document to the collection agency, and they are refusing to accept it, and I warn them of legal action, but still refused to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 
Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 

Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has been causing me to be denied by reporting false information on my credit file. The first issue is they are reporting a misdemeanor that never occurred and I was never charged. In XXXXXXXX XXXX, falsifying my background They are also reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Additional they have reported that I am deceased, that my social security nunenr js probably not me as well. Causing me to be denied for services every where I go Lastly, i have asked them numerous of times to delete the fraud alert because its causing me to be denied and the phone numbers listed are outdated. After I call they lie and say they took it off and I see it again appearing. I have only found this out because this detailed report came from a third party apartment company instead of the normal consumer report that I request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX  we visited the Wells Fargo location in XXXX, XXXX  located at the intersection of XXXX XXXX and XXXX XXXX XXXX at approximately XXXX XXXX. The physical address is XXXX XXXX XXXX XXXX XXXX  XXXX. The reason for this visit to the bank was to simply deposit a check into my Wells Fargo checking account. The check was for the amount of {$700.00} and was issued by Wells Fargo. As the account holder, I simply requested that my check be deposited into my checking account. Unfortunately, while being assisted by an associate who identified herself as XXXX XXXX on a post it note we were discriminated against and unfairly racially profiled. We were forced to wait in the drive through for over 45 minutes as the teller advised that she was verifying the check. This is far from the standard policy as we had just witnessed a check written by the same company deposited in less than 10 minutes. When asked what the issue was we were told multiple times that they were getting approval for the check that was written/issued by their institution. I advised them that I would be filing a formal complaint and asking for an investigation into the policies, procedures, and existing practices at this Wells Fargo location where it is evident that they discriminate against members based on race. I am an XXXX XXXX XXXX and I would like a thorough investigation into this matter and the staff and management present during this shift.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: UT

Complaint narrative:
I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from Equifax ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I tried to make my payment over 10 times in XXXX the website was down. I tried to email through thier portal, it was down. I tried to call it's a 60 minute wait or longer. No answers. 
I have set up automatic payments and they said still my payment was late. They have serious and significant website issues and today I can not even access it yet again. If I can not log in then how can we be expected to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/, Freedom Mortgage reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time on my credit 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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXXXXXX  I've purchased a new vehicle from XXXX XXXX. The loan was financed by Trust Bank. Various services were included in the financed amount, such as extended warranty, maintenance contract, etc. In XX/XX/XXXX2023 I've sold that vehicle, consequently, cancelling additional services : such as maintenance program. After cancelling maintenance program, check # XXXX in an amount of {$1200.00} was issued and sent to Truist Bank, who was suppose to sent it my way ( I don't know why they made it so complicated ). It was cashed by Truist on XX/XX/XXXX, and Trust never sent these money back to me. I've provided all possible requested iformation Trust wanted and still refuse to reimburse me. 
Could it please, help me to fight such injustice. 
Thank you so much for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
Experian has now closed 5 complaints today without addressing the issue and giving explanations that make no since

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had my ID stolen in XX/XX/XXXX. I had to file a police report, XXXX and I put 7 year fraud alerts on all 3 of my credit reports and signed up for XXXX XXXX. I am supposed to get a phone call before my credit is used for anything. On XX/XX/XXXX I received an alert from XXXX XXXX that I had a hard inquiry on my XXXX XXXX XXXX report from JP Morgan Chase credit card. Someone had opened a card in my name. I called Chase & asked them why they didn't call me first. They gave me some run around lame excuse that it was because it was opened online. They promptly closed it & marked it as fraud. On XX/XX/XXXX the exact same thing happened. I called Chase again & got excuses again. They force sent me a packet on fraud, which I didn't need or want. Chase also said they would send a letter to the credit bureaus to have both hard inquiries removed. At this point, I went ahead & put credit freezes on all 3 of my reports. A few days later someone again tried to open me a Chase credit card but it did not go thru this time & yet no one from Chase ever called me to confirm it was me. Chase is not following the protocol for when people have fraud alerts on their credit reports! Finally at almost 90 days out the hard inquires have not been taken off my XXXX or XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One 360 Performance Savings account. 

I am attempting to wire a large sum of money to a business. ( approximately $ XXXX ) Capital One has turned this into an opportunity to harvest fees from me. 

They claim that they have a $ XXXX limit per wire, per day, in order to protect me from fraud. I was also led to believe based on the information provided to me online when attempting to initiate a wire, that this limit could be worked around if I visited a Capital One Retail Branch or XXXX. I took time off from work to visit a branch, only to be told from the Capital One employee at the branch, that they could not assist me because I have a 360 Performance Savings account, and all transactions must be done online. ( This is counter to how Capital One markets these accounts. Even today if you review their site for this product it explicitly states you can open and service this type of an account in a branch. https : //www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ ) The guidance I got from the teller at the branch was that I should call and speak to Capital One. I did this yesterday. I got the same runaround. I was not able to speak to a supervisor as a part of this call. 

I called again today, and again asked to speak to a supervisor. This time I was able to speak to a supervisor, but XXXX was of no help to me. I opened up a complaint, and was told I would receive a call back. That has not happened yet. 

Bottom line is that Capital One is charging {$30.00} per online wire transaction for my account. They are doing this in the name of security, even though I went to a branch and presented proof of identity to them. I can only assume that their strategy is optimized to harvest {$120.00} in fees over 4 separate wire transactions instead of executing this in one transaction for a single {$30.00} fee. 

I now understand how Capital One can afford to pay such high interest rates on these deposits. Not only are they using it to fund their predatory subprime lending activities, but the also make it impossible for you to access the money without paying punishing fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Examine the enclosed documents. I request the bureau to commence an inquiry into these accounts where I have a spotless record, but they are inaccurately marking me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not authorized this hard inquiry, this is a result of identity theft, the hard inquiry is XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My apartment building had made some mistakes and offered me a {$500.00} gift card to make up for the issues I had been having. I received the gift card in XXXX and about a week after I went to use it. Not only had the card been used but has been used in its entirety out of a store in Texas when I live in California. I reported the issues to vanilla gift cards on XX/XX/XXXX and a case number was assigned via email XXXX. Since then, I have called and emailed asking for updates with 0 correspondence.

Company response to consumer: Closed with explanation