vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Formal Complaint Regarding FDCPA Violations by NetCredit ( Account # XXXX ) Date : XX/XX/year> Complaint Details : I am filing a formal complaint against NetCredit for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, which governs communication in connection with debt collection. 

Summary of Violations : I previously filed a complaint with the CFPB under Complaint ID XXXX, opened on XX/XX/year> and closed on XX/XX/year>, regarding NetCredit 's failure to provide proof of debt as required by law. 

On XX/XX/year>, I sent a dispute letter to NetCredit via USPS tracking # XXXX, and again on XX/XX/year>, via USPS tracking # XXXX. In both disputes, I explicitly requested in writing, under 15 U.S. Code 1692c ( c ) - Ceasing Communication, that no telephone contact be made by NetCredit to my home or place of employment. 

Despite this, NetCredit has repeatedly harassed me with telephone calls on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These actions are in direct violation of the FDCPA. 

Legal Basis for the Complaint : Under 15 U.S. Code 1692c ( c ) - Ceasing Communication : If a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding the debt, except under certain conditions. 
NetCredit has failed to comply with this legal requirement by continuing to contact me via telephone, despite my clear written request to cease such communication. 

Request for Action : Given these violations, I request that the CFPB take the following actions : Investigate NetCredit 's repeated violations of the FDCPA. 
Impose appropriate penalties for their non-compliance. 
Ensure that all future communications from NetCredit are conducted in writing, as requested. 
Attached Documentation : To support my complaint, I have attached the following documentation : Copies of the dispute letters were sent to NetCredit with USPS tracking numbers. 
A record of the dates and times of the harassing phone calls from NetCredit. 
I trust that the CFPB will take appropriate action to address these violations and ensure NetCredit 's compliance with federal law. 

Please consider this letter as notice of intent to file a lawsuit, where I reserve my legal right to start litigation without providing future notice. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them NOW!! Please remove all fraudulent and inaccurate account information as I am unaware of this account due to the XXXX XXXX XXXX data breaches/identity theft. All is being investigated by the FTC & CFPB. According to FCRA 605B, this information should be blocked immediately until the investigation in complete. Since 4 business days from receipt of this information is allotted under Federal Law to block there entries, it should be understood that failure to do so within a 4 business days period after receiving this letter, constitutes reason to promptly delete the information form my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ). 

In addition, I am requesting Capital One to provide me & the CFPB with the following to show proof of said credit card account : Original or a copy of the original Credit Card Application as it relates to the inception of said credit card account with Capital One, N.A., along with detailed supporting documents to include the following : Date in which the Capital One credit card application was initiated by me. 
My name and address at time of application initiation Credit inquiry and credit score at time of application initiation My total household income at time of application initiation My employer and employment status at time of application initiation Approval status along with credit line total/limit issued at time of application initiation Records indicating/showing that all deposits made towards said credit card account with Capital One, N.A, were in fact direct payments made by me and from my bank account. 

Signed merchant receipts and surveillance evidence indicating that all transactions processed by said credit card account with Capital One, N.A., were in fact authorized and made directly by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
General Obligation : Description of the Incident Starting in XX/XX/year>, I became the victim of XXXX XXXX, resulting in my loss of money. To perpetrate the fraud at issue, XXXX XXXX has operated using the following domain XXXX XXXX 
Based on the information and documents provided, you can see that starting in XXXX, I transferred funds via wire transfer from Wells Fargo to XXXXXXXX XXXX XXXX XXXX, where I bought XXXX which I then sent to the fraudsters. In addition, I transferred funds from Wells Fargo to XXXX XXXX. I lost XXXX USD due to this endeavour. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/ or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargo s custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargo s conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me.

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 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Name : ** XXXX XXXX - XXXX : ** {$6900.00} - **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX XXXX XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$6800.00} - **Open Date : ** XX/XX/2024 - **Last Reported Date : ** XX/XX/2024 On XX/XX/2024, I noticed this account on my credit report. I have never had any dealings with the original creditor, XXXX XXXX XXXX, nor have I entered into any contract with XXXX XXXX or any debt collector associated with this debt. I believe this account has been mistakenly or fraudulently attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and I have found accounts are not reporting accurately. XXXX accounts that are reporting late were in fact paid on time. I need the consumer reporting agencies to report accurate information. I am requesting you to investigate these accounts thoroughly and accurately and update payments to paid on time immediately. 

List : XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, Account number : XXXX, XX/XX/XXXX I have attached a copy of my report to this complaint. Thank you for your understanding and prompt action.

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 2024-08-11 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: CA

Complaint narrative:
I received a copy of my credit report and I have found accounts are not reporting accurately. Two accounts that are reporting late were in fact paid on time. I need the consumer reporting agencies to report accurate information. I am requesting you to investigate these accounts thoroughly and accurately and update payments to paid on time immediately. 

List : XXXX XXXX XXXX, Account number : XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Account number : XXXX, XX/XX/XXXX I have attached a copy of my report to this complaint. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from XXXX. However, I want it removed from all my credit 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 2024-08-11 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: CO

Complaint narrative:
XXXX finance XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX  - XX/XX/XXXX - did not authorize XXXX  XXXX via dealer - XX/XX/XXXX - did not authorize XXXX - XX/XX/XXXX - hard inquiry did not authorize XXXX  XX/XX/XXXX - hard inquiry- did not authorize

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 2024-08-11 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed that I have fraudulent accounts on my credit report. Please remove these accounts so that I can have a fair chance at obtaining 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed on XX/XX/year>, approximately XXXX XXXX Eastern standard time that my Citibank account was not accessible to me via the Citibank app. I called Citibank customer service immediately and after verification was told that my account has been blocked and they wouldnt tell me why and they wouldnt verify any information and they told me that I would have to wait 5 to 7 business days to receive a letter from the bank then I called on XX/XX/year> and asked if I could close my account because I needed to access my funds and they told me no I would have to wait 30 to 60 days for my account to be reviewed For closure. I called again, XX/XX/year> and spoke to the fraud department and was told that my account was definitely going to closed but I had to wait 30 to 60 days for it to be officially closed and I asked if I could go to Citibank branch to access my funds and they told me not necessarily then I asked if the account closure could be expedited and they told me no.

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 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
XX/XX/year> and several instances prior. MoneyLion has XXXX in the app which allows you to borrow based on income/direct deposits. It has a preloaded service fee, my concern is with a tip and based on the screen through process. If I decide to not leave a tip and hit submit the next screen comes up and has preloaded a tip. Sometimes I do this quickly and forget to check it but Ive noticed on that second screen even if I said no on the first the next screen includes one, if I see it and change it the app makes me confirm again on an additional screen to not tip including a message money doesnt grow on trees Or something to that effect. This is a process repeated as the max is {$100.00} so if you need {$450.00} of XXXX and its available then youll do the process 5 times- 5 chances for them to attempt/sneak a tip on top of the service fee.ot even looks like in my emails they processed a tip regardless.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
I was advised by a transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report.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  XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, Please remove all the fraudulent unauthorized inquiries on my credit report. Thank you for your help, this is hurting my credit and reporting false information to future creditors.

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 2024-08-11 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I bought this XXXX $ gift card. There was a purchase from XXXX something that i didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from Experian. However, I want it removed from all my credit 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 2024-08-11 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) the financial institutions and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), 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 the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures.

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 2024-08-11 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: MI

Complaint narrative:
Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  Case Number : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX BankruptcyXXXX Case Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: CO

Complaint narrative:
XXXX XXXX  XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX - XX/XX/XXXX - did not authorize XXXX  XXXX via dealer - XX/XX/XXXX - did not authorize XXXX XXXX  XX/XX/XXXX - hard inquiry did not authorize XXXXXXXX  XX/XX/XXXX - hard inquiry- did not authorize

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 2024-08-11 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: CO

Complaint narrative:
XXXX XXXX  XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX XXXX  XX/XX/XXXX - did not authorize XXXX XXXX via dealer - XX/XX/XXXX - did not authorize XXXX  - XX/XX/XXXX - hard inquiry did not authorize XXXX  XX/XX/XXXX - hard inquiry- did not authorize

Company response to consumer: Closed with non-monetary relief