vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase from a vending machine in XXXX XXXX at the XXXX XXXX XXXX XXXX. There was a vending machine that popped up and it was disguised to be a machine that was placed there by a company called XXXX ( XXXX XXXX XXXX ). The vending machine was red in XXXX had a large XXXX logo on top of it and other indications on the machine itself. I decided to make a purchase because I trust in XXXX and own their products so I made a purchase. The 2 cards that I purchased were not graded by XXXX and they were in blank cases. The vending machine advertised that you will receive a XXXX graded card which I did not. There were no visible markings on the machine to contact the merchant. We left XXXX XXXX and back home to XXXX XXXX on the XXXX of XXXX. When I got home to further look into this issue I discovered that XXXX came out publicly and stated that they have no affiliation with that machine. 

I reached out to Wells Fargo to get more information on the merchant so I can request a refund but they were not able to help me with that. I asked to file a chargeback claim and asked them to request my money back from the merchant. I explained to Wells Fargo multiple time that this merchant was using a false name and logo to derive people and on top of that I did not get what I paid for. Wells Fargo denied my case and stated they can't provide anymore information. I asked to reopen the case and provided additional information. I was lied to by this merchant and did not receive the goods that I paid for. Wells Fargo is not standing up for its customer. 


XXXX was for {$120.00} and was done on XX/XX/year>. 
Wells Fargo Ref # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance has refused to reply and state how much i the consumer has given them in total of XXXX loan agreement i need a response on how much in total they have recieved since XXXXto XXXX including the down payment of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear TRANSUNION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following item : XXXX  owed : XXXX Amount : {$2000.00} Account:XXXX XXXX  owed : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Amount XXXX {$3000.00} Account:XXXX XXXX  owed : XXXX  Amount : {$0.00} AccountXXXX XXXX owed : XXXX Amount : {$0.00} Account : XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 AND USC 1692 G SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: IN

Complaint narrative:
I am writing to dispute several inaccurate and potentially fraudulent items that have appeared on my credit report. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the following entries and their subsequent removal from my credit report, as they are not associated with any accounts I have opened or authorized : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$630.00} XXXX XXXX XXXX / XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: IN

Complaint narrative:
I am writing to dispute several inaccurate and potentially fraudulent items that have appeared on my credit report. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the following entries and their subsequent removal from my credit report, as they are not associated with any accounts I have opened or authorized : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$630.00} XXXX XXXX XXXX / XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NC

Complaint narrative:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo finally remedied my last complaint. I had unauthorized transactions. I wasnt sure who was doing them my card would go missing. Until the other day when my ex roommate stopped by on my payday. When I left my phone alone with him. He sent my money to himself off my phone. The money paid to me by his dads live in girlfriend. He knew I got paid that day and had been fighting with his dad about his dad kit given him money he felt entitled to. When i discovered this unauthorized transactions. I confronted them through text message. Saying send my money back. There response was admitting it saying wasnt planned just opportunity. He apologized I was affected by it. But basically to bad want sending it back. I contacted Venmo about it realizing. It was most likely this person who had done the toner transactions. Everything started smoky sense. The last were done in XXXX. They spend alot of time there before that. The hotel refunded me because it was man using my card they rented the room to. Venmo knows all of this I provided the text message/and proof that the accts money was sent to I was never friends with before that day or ever sent money to. Also showed this person had been making new acct when Venmo would close XXXX for not following their rules. They denied my dispute shockingly again for the reason it is similar to my other transactions. Which to me is crazy Ive never not once sent money to this new account that it was sent to. The fact they can use that as a reason is absurd. I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MI

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX XXXX Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXX XXXX corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

I was also a front line worker and registered nurse. during that time i suffered a XXXX and has COVID throught this 2 year term

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 2024-09-06 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: CA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i initially opened an account with Wells Fargo back in XXXX ( not sure a month ). My account was compromised and closed due to fraud in XX/XX/XXXX with XXXX balance. This was when Wells Fargo had issues and complaints started coming in from XXXX of people stating Wells Fargo employees were opening accounts without their knowledge. I later ( around XX/XX/XXXX ) noticed that Wells Fargo reopened the account and now showed the balance {$7100.00}. I have not requested this account and i did not make any charges. I have been to the bank several times they were giving me descriptions of certain charges i told them i didn't do with a clear explanation that they were made outside of my town, they would agree and close the account, then a couple of months later they reopened it again. I went to the police and filed a police report. police couldn't investigate since most charges were outside of their jurisdiction. I received a letter from the collective class action lawsuit against Wells Fargo and joined the case. When the case was won I thought it's all over. It is not. I also file an FTC report against them its clearly a fraud! I want them to stop ruining my life and stop this reporting!

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
1.Required by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. XXXX XXXX XXXX has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). XXXX XXXX XXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
The late payments shown don't reflect my consistent payment record.

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 2024-09-07 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: NC

Complaint narrative:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

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 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Deposited a check XXXX XXXX XXXXXXXX check with Chase, who I have decades of history with. The check was for over {$200000.00}. They claimed the check was a fraud and never notified me. I found out 2 days later when they not only refused the check but also took away XXXX so my balance was then negative {$200000.00}. They also froze my account and said they scheduled it for closure. 

After 2 trips the branch and also several sessions and hours on the phone with Chase, they were able to call their " verified number '' ( which was not a secret verified number, it was the one on the companies website ). So at that point, the check was verified and Chase confirmed that the account would be unfrozen and that the check was verified and good. They also mentioned that they sent a legitimate copy of the check to me when it was first determined fraud. Yes, Chase told me that they created a new legitimate copy of a check they thought was fraudulent and mailed it to me so I can redeposit. They also claimed they could not track it, but it was coming from Ohio they assured me. 

Three days went by and no check in the mail. I call Chase back and they say the only resolution is to go get a new check from the maker ( who will not issue a new check because Chase has the original and won't give it to me ). Chase claims there is nothing they can do despite it being 100 % their fault for a broken verification system.

So now I have no check, no money in the account, no resolution. We missed payroll, we are almost 3 weeks delayed on starting our project, we can't pay material suppliers. I've spent countless hours and days going above and beyond to fix Chase 's mistake. I have no idea how to get this resolved. My only thought is to get an attorney, which I can't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On XX/XX/year> I applied for a XXXX loan from td bank on XXXX I should have gotten a loan approval because most banks approve XXXX car loans and I currently still receive advertisements from XXXX XXXX for being preapproved for a XXXX car loan. This doesn't make sense and seems like something is going on behind the scenes with these banks. 15 US code 1691 states it is illegal to be denied credit or a loan. An adverse action can not be accepted by law. It is unlawful for any bank to discriminate against any applicant with respect to any aspect of a credit or loan transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits a bank from using a prohibited basis in any system of evaluating the creditworthiness of applicants except as permitted by the act and part 1002. With these unlawful acts being committed they shall be fined no less than XXXX XXXXXXXX XXXX  for these unlawful acts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: LA

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. 

Accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX has violated my rights. 

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, 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 they information is inaccurate.

Company response to consumer: Closed with explanation