vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Around the beginning of XX/XX/2024, I logged into my Wells Fargo account online and noticed my personal line of credit had a balance of about {$8500.00}. I did not withdraw any money from the line of credit, so I contacted Wells Fargo to let them know about the fraud on the account. Wells Fargo opened an investigation. On XX/XX/2024, Wells Fargo sent an email stating that I or someone I authorized benefited from the transactions, so they were not going to take any corrective action. The {$8500.00} balance would remain and I would remain liable to pay it back. I obtained copies of the checks from Wells Fargo. I do not know the person the checks were written to ( XXXX XXXX ). The signature on the checks is not my signature. I filed a police report to report the theft. I also contacted the bank where the checks were deposited to inform them of the fraud. If I need to hire a handwriting expert to confirm the signature on the checks is not mine, I am prepared to do so. I am hoping Wells Fargo will reconsider and recognize the transactions as fraudulent.

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 2024-08-16 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Almost XXXX  years ago, my wife and I ( over XXXX XXXX XXXX ), took out a XXXX mortgage with Newrez. We have consistently made our payments on time and have never been delinquent. In XX/XX/XXXX, I contacted Newrez to inform them that I was experiencing financial difficulties, as my only source of income is Social Security benefits. I requested to defer the payments for XXXX, XXXX, and XX/XX/XXXX to the end of the mortgage. The person I spoke with assured me that I could do that. Consequently, I did not make any payments for XXXX through XXXX. 

In XX/XX/XXXX, when I attempted to make a payment, I received a notice stating that the account was delinquent and that I could not make any payments unless I paid the full amount due. This amount included payments for XXXX, XXXX, XXXX, and XXXX, along with additional interest and penalties. Since then, I have been trying to resolve this issue with Newrez and XXXX XXXX  XXXX ( acting on behalf of Newrez ). Despite my efforts, I have been repeatedly threatened with foreclosure unless I pay the full balance owed from XXXX to date, including penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have 2 credit cards with Citibank. My usage percentages were around 30-40 % at the time. The company dropped my limits causing my usage to raise to 90+ % this is fraud as it is now sending false information to the credit agencies saying my usage is in the 90+ % when it was not until they dropped my score without informing me that they were rerunning my credit. I want to file a class action lawsuit against this company.

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 2024-08-16 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: FL

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Because of the recently social security leak Ive been trying to log into Equifax but it doesnt not work. When you try to call they just pass you from agent to agent and dont fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a promotion on my credit card where Capital One reimburses XXXX XXXX subscription cost every month until XX/XX/XXXX. I called about not receiving this month 's reimbursement, and teh agent repeatedly said that had expired despite XX/XX/XXXX being before XXXX XXXX, XXXX. SHe said it was teh " information that [ she ] had '' and when I asked for the official terms, she sent them, and they confirmed an end date of XX/XX/XXXX. I repeatedly asked what she was reading and she kept repeating her phrase that it was the " information [ she ] had '' despite that not being true according to what she sent. She did not offer to clarify the situation any further. 

Thank you for loking into this. I really appreciate it. 

Terms of the dredit card below : " How do I earn elevated cash back on purchases through XXXX during the promotional period? 
You will earn XXXX  % cash back on eligible purchases made using the XXXX and XXXX Eats apps ( and dedicated website ) with this rewards card account. Purchases that post outside of the offer period, XXXX gift cards, and XXXX XXXX membership fees are not qualifying purchases and are not eligible for enhanced rewards ; however, these purchases will earn the base rewards earn rate previously disclosed under the terms and conditions of your rewards program. This offer is valid for consumer, non-commercial use only. Offer valid for eligible purchases made in the XXXX ( XXXX territories may be excluded ) between XXXXXXXX XXXX. XXXX, XX/XX/XXXX, through XXXX XXXX XXXX, XX/XX/XXXX. Additional terms and XXXX terms and conditions apply. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the unresolved issues on my credit report. Despite my multiple attempts to dispute inaccurate and unverified negative items, these issues have been left unaddressed, causing me undue XXXX  and negatively impacting my financial well-being.

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 2024-08-16 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-16 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: FL

Complaint narrative:
Upon reviewing my XXXX  XXXX, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
For my bill due on XX/XX/XXXX I prepaid the balance, then autopay automatically took the statement balance from my checking account. This created an over payment of over {$8700.00}. I called Bank of America as soon as I recognized what happened ( XXXX on XXXX ). The customer service representative told me it should take XXXX business days to get the money back, but up to XXXX business days. On XX/XX/XXXX I called to follow up, they told me since it was such a large sum it would take all XXXX business days. After XXXX business days I still didnt have my money back. It took multiple hours and several calls to Bank of America customer service to finally get some answers. It turns out I had been lied to by several agents about time lines to get my money back, and by calling my bank I learned that BofA had added an additional digit to my checking account and the deposit did not go through. By this point my bank had reject the deposit and BofA had supposedly printed a check to mail. I asked them to cancel that check and electronically deposit my money to the appropriate account, which the manager agreed to put a rush order on it. It is now XX/XX/XXXX, XXXX business days after BofA took my money and I still dont have it back.

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 2024-08-16 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: CA

Complaint narrative:
Hello, There was a negative item listed on all my credit reports under the " XXXX XXXX XXXX '' for the XXXX Collections account. 
I was sent a 1099-C Debt Cancellation from XXXX for the outstanding amounts. 
Please see attached. 

In essence, since I was sent this by the XXXX, this Collections amount is no longer applicable as XXXX already claimed the amount as loss and sent it to me as an income and debt cancellation also. 
Therefore, this is a violation of collecting on debt that is no longer active. 
Also, the statute of limitations has expired/lapsed as well for XXXX XXXX. 

This negative item needs to be removed from all credit reports immediately. 

Also, there are some inquiries that are still showing on the report that should have been removed several months ago.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to call the bank to open a merchant dispute, but without a SSN is impossible to go through the call center. 
I need to dispute these XXXX transactions made with my debit card ending in XXXX, XX/XX/XXXX {$880.00} - {$880.00} - {$880.00} - {$880.00} I went to the store XXXX XXXX in person to buy XXXX XXXX XXXX XXXX XXXX, the products were delivered on XX/XX/XXXX ( it tooks almost XXXX month to arrive ), so at that time were no longer neded, so I went to the store on XX/XX/year> in person to return the XXXX XXXX. The store agreed to refund ( they have 30 days return policy ) and they issued XXXX refund receipt confirming the full refund to my debit card. 
The credit was never posted to my account so I called them on XX/XX/year> and they said they already processed the credit and if is not on my account I should contact my financial institution for billing adjustment. 
Please proceed with the charge back requested due " credit not processed '' Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 2024-08-16 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
This is my second time having this problem with Equifax. On XX/XX/year>, Complaint ID XXXX, I requested that equifax update accounts that were reporting incorrectly. I uploaded my discharge letter from the United States District Court of Georgia that proved I was indeed discarged from XXXX  XXXX Bankruptcy. Equifax did correct the information that was reporting incorrectly. Today, XX/XX/year>, I realized that they are now incorrectly reporting yet another account on my credit report. The XXXX is money lion, and they are reporting this account as charged off when it should be reporting as discharged in Bankruptcy. I went back to the credit report I pulled back in XXXX to make sure I didnt mistakely forget to add this account in the previous CFPB report against equifax and saw that it was actually reporting correctly back in XXXX. In XXXX of 2024, the XXXX account on my credit report was reporting as " Bankruptcy XXXX XXXXBankruptcy Discharged ''. This is the correct reporting. Now here we are in XXXX of 2024 and they are incorrectly reporting it as " Charged off ''. I spent over an hour on the phone with equifax trying to get this resolved to no avail. It was even escalated to whom I believe was an account manager who gave me the hardest time with disputing this information although I let him know that I had already filed a complaint against equifax through CFPB 2 months ago for this same reason and got everything resolved. Still no help! I have attached a photo of the XXXX XXXX  account reporting back in XX/XX/year> and the way its reporting today, XX/XX/year>. I have also attached a copy of my bankruptcy discharge letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: LA

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found an incorrect account on my credit report that isnt associated with me. This could be a sign of identity theft or fraud, and Im anxious about the damage this could do to my credit.

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 2024-08-16 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:
Ive been fighting with the credit bureau to take these unauthorized accounts off my credit file. Ive stressed to them that Im a victim of identity theft and also Ive sent in supporting documents

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