vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX , to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent 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 explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Sent to XXXX XXXX Amex CEO - Since XX/XX/year> I have charges under dispute for fraud on my platinum account. The five charges listed below were flagged by your automated system as possible fraud. I in turn called Amex to verify that they are indeed fraud. Your security/disputes/fraud team has done nothing in almost 8 months to credit my account all five charges. They tell me my " card was present which means these charges are valid '' which is a complete lie and shows the complete negligence of your investigations team. My card was used for a different non disputed charge not {$23000.00}. The Merchants used my card numerous times without my authorization and I did not sign or fill out the sales slips. They forged all information to steal tens of thousands of dollars from me. On top of that, what goods were sold? Nothing is listed. 

Furthermore, the security/disputes/fraud team tells me they will call me back hundreds of times and never does. I have called hundreds of times and your team continues to ignore these issues and do their job. 

I was also told not to pay my monthly bill in full and to pay the charges that I know are due. I did that, in result your team has put my account in 30 past due status on my credit reports for the fraud charges balance. 

This entire set of issues is theft. Amex is allowing a merchants to steal from me which in turn means Amex is lying, stealing and cheating me the card member. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ( Lawyer ) Information : XXXX XXXX XXXX XXXX is my attorney, who has been working for me in our behalf with Well Fargo for a long period of time to fix my mortgage issues with Well Fargo. Although i pay our home insurance, they are still adding escrow to my mortgage insurance. It came to a point my wife became so sick because Well Fargo is putting to much pressure into my finance. The money that was removed by the courthouse.Well Fargo Added that money to our mortgage principal and made me pay escrow over it. Nobody informed me until I found out 10 years later. Now, Well Fargo does not want to fix our mortgage payment and gives me the money back that i paid extra for. Well Fargo is not willing to cooperate with my lawyer. I need help to fix my monthly payment and receive my extra money back that I had over the last 10 years. Someone inside Well Fargo is playing with my mortgage for me to lose my house.

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 2024-02-02 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that i had 1 late payments 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 accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a XXXX percent interest offer from American Express for 15 months. My son, XXXX had been working on paying down a high interest credit card, so I offered to open this American Express account for him to transfer his balance into and pay off sooner. 

We applied, we received the card and he transferred his balance. Then he found that he was paying XXXX percent interest. When I called American Express, they informed me that I did not qualify for the XXXX percent offer. They opened an account with the XXXX percent offer application at XXXX percent. 
What a shake down. 

How is this legal? I want to see my signature on something that says I agreed to a XXXX percent card. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> Opened an account with TD bank online. They asked whether I wanted to fund my account and I used their funding option to start off my account. I asked them to transfer funds from my XXXX  account to their account. They later explained that they debit my XXXX  account as an ACH transaction. 


My money has been debited from XXXX  on XXXX and on XXXX there was no record at TD bank. I called and asked TD bank to provide me with a record of this transaction being initiated by me and going to my account. There was never a record or receipt sent to me by TD on XX/XX/year> when I originally set up my account. I spoke with 3 reps at TD a customer service agent, his supervisor and his supervisors supervisor ( XXXX, South Carolina office, at appx XXXX EST ) he said they will not have a record of my transaction/request to have the fund transferred until the funds are actually in my account due to this being made during the opening of the account. While I reiterated they should have a record for every financial request/transacation done on their website, he said he doesnt have access to that and he can not help me get access to it. 

This is bad practice. Money had already been debited out of my XXXX  account, but the requesting agency doesnt have a record on file for requesting the transaction. The agent seemed to imply that since its done during account opening they wont have it until its completed. A bank should have a record of every transaction, should have regulatory functions and protocols for customers how to get records for their transactions, or else should not have authority to offer online bank account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My husband and I needed our roof fixed shingles were falling of the roof. A roof contractor from XXXX showed up to the house and started to talk about there company and the material the use and warranties. We proceed to go and get the roof done with the company since he said it was life threatening since the inside of the attic was slso in bad conditions. He did the paperwork said that the loan was for XXXX and our payment were XXXX month with a 8 % interest. When our billing statements came in from XXXX which we didn't know ot was through them. I have noticed that the payments were for XXXX months and the intrest and fees are close to XXXX dollars in total I will be paying close to XXXX dollars for a roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I lived in an apartment complex owned by XXXX XXXX  ( the original creditor ) ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) until around XX/XX/23. My wife and I vacated the apartment after the landlord elected not to renew out month to month lease. XXXX chose to arbitrarily do this after a disagreement between them and myself.

We left the apartment before the agreed upon time and with our rent paid in full. The apartment was also in about the same condition as when we first moved in with reasonable wear and tear after living there for two years. When we left we let XXXX keep our {$400.00} deposit to compensate them for any cleaning or repairs they might have to make. But also because their process for getting the deposit back is convoluted and we were told by previous tenants its almost impossible to get back anyway. After leaving I left the property owner a negative review outlying my bad experience with them. 

They had both my wife 's number and mine and I did not hear from them for 8 months Around the beginning of this year ( XXXX ) I received a notification that XXXX had sent an account for me to collections ( RentDebt Automated collections ) ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) for {$1000.00}. I received no calls before hand from neither the original creditor about an outstanding bill or the collections agency before it showed up on my credit report negatively impacting my credit. 

I have disputed the collections and original debt with XXXX credit agency as well as the collections agency as not being valid. I also sent a letter by mail to the collections agency asking for additional information and for them to prove that the debt is mine. Neither agency has made any concrete step to verify the debt as being legitimate outside of contacting the original creditor to ask if the debt is valid. They have instead told me it is up to me to prove that I do not on the original creditor money. 

As I stated earlier in my complaint we left before they asked us to, the rent was paid up and the apartment left in reasonable condition. They also kept {$400.00} which should have offset any additional cleaning they needed to do. There is no justification for them sending us to collections for {$1000.00}. Furthermore if they did feel like we owed them they or the collections agency should have made a reasonable attempt to collect on the debt before sending it straight to the credit monitoring agency and hurting my credit. 

Finally it should fall on soard or the collections company to prove that the money is owed which I know they cant outside of a " bill '' that XXXX XXXXXXXX up 8 months after I left the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent this to capital one, XXXX, and XXXX XXXX. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The have changed APR AND FEES BECAUSE THEY ARE IN HOPES I DO NOT PAY MY CARD OFF IN TIME OF PROMOTION.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is selling my private information to third party companies which a violation of my rights under they privacy act. I did confront the company officials on XX/XX/ over the phone. this is a fraudulent act. Honestly who know how many people out there have my private information as such SSN, birthdate, phone number, address, finger printe and more, anyone could pretending to be right now in order to type and steal funds from my ESTATE.I am requesting a full investigation from the FBI, FINCEN, the department of justice and the SSA on Experian, I am tired of those entities abusing me. I demand justice.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I receive XXXX calls a day from comenity bank just about everyday of the week. Yesterday, XX/XX/year> they called 6 times in XXXX day. 

They call with their number showing and then will follow up with calls that show at no caller id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: NC

Complaint narrative:
I lost my wallet on vacation in a nightclub XXXX, that included my personal information. I was advised by law enforcement a report was filed. I recently pulled a copy of the report and noticed accounts that I have no knowledge of nor gave any written permission to be furnished to my credit report. I contacted the credit bureaus in XX/XX/XXXX and alerted them of the incident and requested verification for the fraudulent accounts, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I have yet to receive a correspondence. 
I have the right to privacy. These accounts were furnished to my credit profile without my written consent. This is in violation of 15 USC 1681B I also noticed credit inquiries from : XXXX XXXX, XXXX, XXXX XXXX. I have not authorized any transactions from these creditors. 

Furnishing accounts to my consumer in direct relation to identity theft further violates 15 USC 1681c-2 I requested that all fraudulent addresses be removed from my profile to further prevent any confusion or tying me to accounts that are not mine and the bureaus are still reporting inaccurate information. Being linked to accounts that I have not authorized is affecting my ability to obtain 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 2024-02-02 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: NY

Complaint narrative:
They changed my name from XXXX XXXX XXXX to XXXX XXXX without a request to do so. Not sure why they would do this.

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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting a settlement that was paid in full negatively on my credit report. It also has already reached the XXXX  year mark and still affecting my credit. This is a violation of my FCRA Consumer Rights and needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX Late Payment {$1800.00} XXXX XXXX XXXX Late Payment {$8800.00} XXXX XXXX XXXX XXXX XXXXXXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$1200.00} XXXX XXXX Charge-off {$3100.00} XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2024, I was notified by the credit reporting bureaus that a debt collection from " Transworld System INC '' was reporting on my credit report. I was never aware of any debt that I had and they did not ever attempt to contact me in any communication form. I contacted them on XX/XX/2024 and they stated that they " contacted my by email and phone '' but I have checked all of my emails and my phone records as I do not delete any emails and call logs and there is no evidence that I received an email or call from them. I searched specifically using the email address they gave me to search by and there is no attempt to contact by them.

Company response to consumer: Closed with explanation