vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by Hunter WarfieldXXXX. The inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
I disputed the collection account with the credit bureaus in XXXX XXXX  XXXX it was deleted .... now it has been reinserted to my credit file without proof or justification. And it has been place on my credit as a new debt that came about in XXXX XXXX although this erroneous account was placed on my credit a year ago. 

I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and XXXX XXXX agency promptly removes the disputed collection account from my credit report within the next 10 business days. I have filed a similar complaints with other regulatory agencies but now limited to the FTC and the AG 's office. 

I plan to initiate civil litigation for damages, and seeking injunctive relief to compel compliance with federal law. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Should you require any further information or documentation to facilitate the resolution of this dispute, please do not hesitate to contact me at the aforementioned contact information. 
I expect to receive written confirmation of the removal of the disputed collection account from all major credit reporting agencies upon its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$620.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$2100.00} Company or Organization : XXXX XXXX XXXX XXXX XXXX began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: OH

Complaint narrative:
I recently requested to remove 3 delinquencies from my auto loan with Capital one for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Congress recently passed a law to protect consumers from being late. 15 USC 1666B ( a ). A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. With the unprecedented times and the rising cost of living I admit that I have faced financial hardship. I am trying my best to repair my credit to put myself in a better situation to provide a home for my XXXX children. If I am able to remove these 3 late payments it would be helpful. I not only have an auto loan with Capital one but I have several other accounts with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MD

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

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 2024-07-09 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:
I am submitting this complaint personally regarding late payments on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm seeking your help to address this matter quickly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received my XXXX check to the Money Network Bank that is contracted by XXXX. {$900.00} was transferred to a personal account that does not belong to me. I filled a dispute, but they are still refusing to return my money. I have spoke to several employees including managers and supervisors and every single person has given me a different answer. There is no cohesiveness in the responses and they get very defensive when I asked them if it was an internal issue. I received no notification regarding a transfer being sent from my account. The Money Network accounts are suppose to have 2 step login, however I never received a text message with a code or anything. I asked for a receipt of the transaction and they refuse to provide it. They gave me the account and routing number where the money went, I called the institution where the money was sent and was told the account did not exist with them. I was also told that money couldn't be transferred to a third party account, however the money was sent to a XXXX account. I have tried multiple times to get updates on documents and proof I have submitted and the bank agents refuse to provide me any confirmation they received documents. They are now saying that they can not guarantee that I will be receiving that money. I am confused and angry on how this is happening. This is the only money I had for the next XXXX weeks. This incident occurred on XX/XX/24 and we are now 9 days in and they refuse to provide me any updates. They closed my account for fraudulent transaction and if I ever do get my money back, I will need to wait for it to be mailed. I am going crazy because my rent is now 9 days past due and I am in risk if being evicted. Please investigate this bank, this has been happening to multiple people. I contacted XXXX and they can not do anything about it. Please help me. It seems like a scam and they should not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The company has not been able to validate that this is even a viable loan, yet it keeps getting passed around from one sister company to another. Whereby one bad actor / offender passes it to the next bad actor / offender, in the attempts to extort additional funds from me using ongoing threats of foreclosing. This is my asset, and the mortgage was paid in full in 2015 to XXXX XXXX XXXX XXXX! I am requesting copies of any and all " origination documents '' from the commencement of this so called loan be proving to me immediately, in order for any and all of these so called Bad actors / Banks/ Mortgage servicers/ Trusts, etc. to substantiate their claim to any further / future payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Upstart Holdings, Inc.
State: MS

Complaint narrative:
I was notified of a bill due for a loan I never signed up for. I contacted Upstart to let them know that I did not authorize this loan. Upstart sent money ( {$5900.00} ) to my bank account wrongfully, and I have asked several times how to send it back. They also took money from my bank account without my authorization and called it a " loan payment ''. Now they say I owe {$7000.00}! They have done nothing but give me the runaround and they are reporting negative information on my credit report about this loan that isn't mine. I filed an identity theft alert with the FTC and sent Upstart supporting documents via certified mail, but they still won't investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am a Wells Fargo customer and have been since 2007. During this period of time, they exercised the practice of paying the most expensive transaction prior to transactions of lower amounts, regardless of the order in which those transactions occurred ( i.e., at XXXX {$5.00}, XXXX {$10.00}, XXXX {$100.00}, XXXX {$200.00}, the {$200.00} was paid first, then the {$100.00}, and so on ). This resulted in countless unnecessary overdraft fees and damage to my credit score. 

I was made aware of the class action lawsuit against Wells Fargo for such practices noted above. As I was a victim of their fraudulent practices and negativity impacted monetarily, I would like to enter the class action. 

Thank you, 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 explanation
Consumer complaint received 2024-07-09 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: MD

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.

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 inructions 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. 

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-09 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I initiated a wire transfer with XXXX Bank on XXXX XX/XX/year>, the funds were deducted from my account the same day. On XX/XX/year> the beneficiary has still not received the funds. All that Discover could tell me was that the funds were being processed through a chain of banks and the Federal Reserve. They provided me with a wire trace number or tracking number : XXXX. But I can not do anything with that number- discover can not do a wire trace for me, and I do not think that the destination bank will run a wire trace for me. My real estate closing is at XXXX today ( XX/XX/year> ), and if funds are not received immediately, the closing will be delayed. The other wire transfer I did with a different bank went through on the same day, so I do not understand why it is taking so long with Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Looking to get validation of Debt owed from Jefferson Captial I never had an account with them, and I never opened an account with them. Need to get validation of debt owed from them directly because I am confused. Need open date directly from Jefferson Captial in writing no other place no other creditor but from Jefferson Captial. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.

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

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX 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. 


( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) 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