vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a complaint regarding an inaccurate late payment reported on my credit report by [ Creditor Name ]. My credit report indicates a late payment on my account. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and ( Rule 1002 ) I kindly request that you conduct a prompt investigation into this matter and provide me with the following : A certified letter with a return receipt that was mailed to me that notified me 21 days before the due date.

Verification of the late payment entry, including the date, amount, and method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
I called and emailed several letters describing why and how the information that companies are reporting is inaccurate but the agency isnt requesting these companies to provide details information for them to verify

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Per 31 U.S. Code 3104 Certificates of indebtedness and Treasury bills ( b ) Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue. Which stipulates 31 U.S. Code 3121 Procedure : ( a ) In issuing obligations under sections 31023104 of this title, the Secretary of the Treasury may prescribe ( 1 ) whether an obligation is to be issued on an interest-bearing basis, a discount basis, or an interest-bearing and discount basis ; ( 2 ) regulations on the conditions under which the obligation will be offered for sale, including whether it will be offered for sale on a competitive or other basis ; on the basis of this the company did not report accurately in fact is in violation of 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' They did not get my written, verbal or electronic authorization to conduct or report to any which also puts them in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. With this all being inaccurately reported is in fact a violation of the Privacy Act of 1974. This account is an adverse item they are reporting again without my permission which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I granted JPMorgan and Chase a financial asset ( a security ) in return I expect to receive the credit card receivable in 7-10 day, but was given a misleading denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: MI

Complaint narrative:
Dyck O'Neal sent me fraudulent documents and information one page on his lawyer letter head and the other on a blank sheet of paper, trying to negotiate a settlement that supposed to have happened in XXXX. After XXXX XXXX  XXXX sent him letter that he was in violation of the FDCPA. Without my knowledge his attorney put my house in the legal news. Never posted or follow the XXXX XXXX Foreclosure Process or Timeline. Dyck O'Neal presented more fraudulent. After we started going to court. My attorney wouldn't present the articleXXXX XXXX  XXXX XXXX XXXX XXXX Foreclosure of Mortgages that I had given XXXX XXXX before she came to court. XXXX XXXX. She I didn't know how to do Zoom and put info in the court system. That's when a more fraudulent and blanked out documents enter Circuit Court without knowledge. I haven't spoken to my attorney since XX/XX/XXXX. I didn't know all of fraudulent info were in my files until she to resigned..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had asked to talk with a rep to cover the upcoming fees. A video conference was scheduled on XXXX XXXX, and the representative XXXX XXXX did not show up to the call. I subsequently rescheduled a call for XXXX o'clock on XX/XX/XXXX with her, and she didn't show up. I called branch that I think she is assigned to, and they were not accepting calls. All I get is bought through the chat, and representatives on the phone who can not contact people within city to handle this. It always seems to be somebody else 's department.

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 2024-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-03 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a wire transfer for {$4400.00} on XX/XX/XXXX to an account holder in XXXX XXXX XXXX XXXX. Money was taken out on XX/XX/XXXX and the wire transfer confirmation email said Money will be available on XX/XX/XXXX. It's XX/XX/XXXX and the money is still not available in the recipient 's account. 

As per XXXX XXXX  XXXX XXXX, they never received XXXX from wells fargo. I have called thrice, XXXX XXXX  XXXX XXXX has reached out thrice, but Wells Fargo is so inefficiently handling this. 

The recipient is losing interest on the money ( which is not a small amount ) and the fee that was reduced from my account is useless as the transfer never happened.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
The personal information is wrong.

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 2024-04-03 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: AL

Complaint narrative:
I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
At the end of XX/XX/XXXX I submitted the minimum payment on-time and during the 3 days processing window my bank approved another auto transaction that left my account short by {$1.00} and some cents. My account app for care credit stated I simply needed to make my next payment by the end of XXXX. I called in before the end of XX/XX/XXXX and the person refused to accept the XXXX payment amount. The company refused to allow for debit card payments that would avoid the 3 days processing window. And they lowered my account limit by {$200.00} with no advanced notice. And I believe they also submitted a negative report to the credit scoring bureaus. This was my first late payment on this account. I continued making on time payments. 

Then at the end XX/XX/XXXX the same scenario repeated. This time I contacted my bank and care credit to arrange payment and the rep said everything was noted in my account and I should be ok as long as I stuck to the dates we agreed on. However, care credit did not honor this verbal offer from the rep and closed my account. And hit my credit score hard. 

In XX/XX/XXXX I entered into a payment settlement with the arrangement to make 3 monthly payments. On XX/XX/XXXX I called into customer service to verify if the XXXX payment was set up as autopay or if I needed to make a manual payment. The rep stated I needed to make a manual payment, so I provided my debit card number. On XX/XX/XXXX, I checked my bank balance and saw 2 payments for the same amount made to care credit had posted on XX/XX/XXXX. One was a debit card payment and one was a check account withdrawal. I called care credit and the first rep verified that the rep on XX/XX/XXXX failed to look back far enough in the notes to confirm autopay was already in place for the XXXX payment due. That rep connected me to customer service to process the refund I am owed. The customer service rep stated the only refund option was to mail me a check within 20 days. I stated that was not acceptable for my budget and requested my debit card payment be reversed back to the card. They stated it was not an option and snapped at me that i " was the one who made 2 payments ''. Their tone was overtly condescending and I was shocked on top of already being shocked that a business would support such unprofessional defense of an error on their part. I corrected the rep and they faintly apologized but refused to offer any other form of refund.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I pay my Bill card from Wells Fargo in full every month. I went through the XXXX app and paid my full account balance by clicking the pay in full button on XX/XX/2024 of {$4700.00}. I did not realize that a {$5.00} charge posted to my account the day after the statement closed. The statement closed on XX/XX/2024 with a total balance of {$5.00}. This was due XX/XX/2024. I did not see it and got an alert, so the {$5.00} was paid XX/XX/2024. I subsequently was charged a {$74.00} interest charge saying I had owed interest on all my charges from the previous month, even though they were all paid and the statement balance was {$5.00} ( paid XXXX day late ). This is absurd and looks to be illegal and at the very least completely unreasonable. How is this 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 monetary relief
Consumer complaint received 2024-04-03 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Account # XXXX never been late or missed a payment. Account # XXXX Account name : XXXXXXXX XXXX XXXX not mine Account name : XXXX XXXX XXXX Account # XXXX, Account Name XXXX not mine bank Account # XXXX Account name XXXX XXXX  Account XXXX not mine Account name : XXXX XXXX XXXX not mine Account # XXXX incorrect personal information Address XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX XXXX XXXX XXXX violated my rights 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 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 2024-04-03 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-03 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-03 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: Regional Management Corporation
State: AL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation