vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the company Exeter Finance Account XXXX has violated my rights, by reporting inaccurate information on my credit report. 


15 U.S.C. 1681 Section 602 A states I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
My Bortowers defense case # XXXX is currently in pending discharge. American Education Services is still demanding that I make payment. I should no longer be responsible for making payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Request of signature and identification Request of all documentation Company failed to provide complete documentation and proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and XXXX account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$17000.00}.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included the screenshot for inside this complaint in/on dates of 2022 Please investigate and provide proof with statements showing that this payment was late. If proof can not be provided, I demand the payment be updated to paid as agreed on time, as it should be because it, in fact, was never late. Please see the attached screenshot. Thanks in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with 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 2024-03-05 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: OH

Complaint narrative:
A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Urgent : Continued Restrictions on Capital One Cards Ending in XXXX and XXXX Dear Staff, I trust this message finds you well. I am writing to express my concern regarding the ongoing restriction on my Capital One credit cards ending in XXXX and XXXX. 

On XX/XX/XXXX, I made a payment of {$9600.00} from my university credit union checking account ending in XXXX. Following this payment, both cards were immediately restricted, and I was informed that I needed to provide a statement for my checking account. 

In response, I patiently waited until my XXXX checking account statement was closed. I then diligently submitted the necessary documents, including a copy of the statement, screenshots displaying the precise ACH payment transaction deduction from my checking account, and details of the routing and account number. 

Despite these efforts, I have not received any updates from Capital One, and my cards remain restricted. This situation is concerning and does not align with the expected customer service standards. 

I kindly request your prompt assistance in resolving this matter and appreciate your attention to the urgency of the situation. 

Thank you for your help. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

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

Company 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 2024-03-05 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: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
This letter is regarding an account : WAKEFIED AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX AMOUNT : {$1500.00} ORIGINAL CREDITOR : XXXX, XXXX, XXXX. This company have been reporting fraudulent inaccurate information on my credit report. WAKEFIELD AND ASSOCIATES, agreed to remove from my credit report and notify all three credit bureaus ( XXXX, XXXX, XXXX ). They removed/deleted account information from XXXX ; but reopened the account on XXXX and XXXX. The account was disputed ; fraudulent reporting. This is a clear FTC violation and must be investigated. 15 USC CODE 1681S-2, congressional reporting must be 100 % accurate. This a violation according to the FDCPA and the FCRA ; along with the corresponding local state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to the local branch of Wells Fargo bank to do a wire transfer today on XX/XX/2024. I was at the bank at XXXX XXXX  to do a wire transfer to my Lawyer 's bank ( XXXX XXXX  XXXX for my closing at noon on XX/XX/2024 for a house I am buying. I was told by the banker the transfer would happen within a couple of hours at latest end of day. My lawyer informed me the money was not in his account at end of business day. The amount was {$26000.00}. All the information routing and acct numbers were verified by me and the banker verbally and visually at the bank. I have the banking sheets confirming this. My account was debited so the money left my account but was not received. Wells Fargo has on their wire transfer information online that if you submit a domestic wire transfer prior to XXXX XXXX standard time it will go out that day. Mine was submitted at around XXXX XXXX which is like XXXX XXXX time so this should have gone out same day. When I called the Wells Fargo help line I spoke with two people, one a supervisor who then both told me it could take 1 to 3 days. I informed them that no one at the local branch told me this and that their own documentation says it will go out that day as I noted before. I can not close on this house without these funds and this is holding up a financial transaction not only for me but quite a few other people who worked very hard to have this real estate deal take place tomorrow. I have a mortgage with XXXX too and this is not ok I am already their customer. I also paid {$40.00} dollars to have this take place as expected same day.

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 2024-03-05 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:
As you are aware that I was a victim of XXXX data breach and deleted the account from my credit report because you saw I was a victim of this data breach, TransUnion has refused to delete this item from my credit report. Please delete it immediately as I was a victim of this XXXX data breach. 
I attached a proof that I was in fact a victim of this XXXX data breach, I also attached a dispute result were TransUnion refused to delete this item.

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 2024-03-05 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.

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