vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have {$41.00} tied up in XXXX American Express XXXX cards that I'm unable to use anywhere. I've tried using online, through a digital wallet ( XXXX XXXX ) and brick & motar and each time the cards are declined. When I called customer service, they acknowledged that there was a balance on each and that they should be accepted wherever American Express cards are accepted. This is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: MA

Complaint narrative:
I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : 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

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 2024-12-12 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: MA

Complaint narrative:
I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am requesting validation, made pursuant to the fair debt collection practices act. I am requesting validation that is competent evidence bearing my signature, showing that I have or ever have some contractual obligation to pay you. 
Please be aware that any negative marks found on my credit reports from you company for a debt i don't owe and is a violation of Fair Debt Collection Act FDCPA 807 15 USC1962A. If you can not validate the debt you MUST request that all credit reporting agencies delete the entry.

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 2024-12-12 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX XXXXXXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, Experian is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following XXXX late payments have been inaccurately reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have a loan for a used vehicle with XXXX Santander. I pay my loan every month, but the bank does not report my payments to the credit bureau on time. I am currently checking and it appears on my report that the last payment was in XXXX. Today, XX/XX/year>, I have paid the months of XXXX and XXXX and it does not appear reflected in my credit. I have had the same problem in previous months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
Please check the documents I've sent because when I checked my credit report there are inaccurate accounts there that I have no idea who they belong to.

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 2024-12-12 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERIS BANCORP
State: SC

Complaint narrative:
Due to being out of work for XXXX XXXXXXXX and short term insurance paying {$270.00} a week I went on Ameris Bank online system and applied for assistance to ensure my loan would not be delinquent. I was approved for a forbearance and received paperwork via mail dated XX/XX/year> verifying that the forbearance was in fact attached to the status of my home loan. I also called Ameris not only to verify the information I had received in the mail but to be assured that the forbearance information would be reported to all three credit reporting agencies. I was told " yes '' my credit report would show a forbearance and not a delinquency. On XX/XX/year> I received notice from Ameris that my loan would now be serviced by XXXX XXXX XXXX notice dated XX/XX/year>. Prior to receiving the notice from Ameris Bank, I called and spoke with a representative from their Loss Mitigation department to ask if my payments would increase due to the forbearance being in place. I was told to call back before the end of XXXX to see how it would be handled but she could not tell me at this time. I placed a call on XX/XX/year> and spoke with XXXX XXXX XXXX as was asked to call back a week later which will be on XX/XX/year>. XXXX XXXX XXXX assured me only that any prior arrangements that I had would carry over from Ameris Bank. On XX/XX/year> I received a notification from XXXX XXXX that my XXXX XXXX XXXX has dropped significantly down to XXXX. Ameris Bank is now showing my loan account as 90 days past due and is not showing accurately that my loan was in forbearance I received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
12 CFR 1006.18 False, deceptive, or misleading representations or means. 
In XX/XX/XXXX, I received a summons document requesting my appearance in court on XX/XX/XXXX, on behalf of Midland Credit Management Inc. The document stated that failure to file a response would result in a court judgment against me. 

Upon arriving at the courthouse on XX/XX/XXXX, I was informed by the clerk that there were no court filings associated with the case number and that the document was invalid. Midland Credit Management was aware of and willingly served me with false, deceptive, and misleading representations or means, thereby violating 12 CFR 1006.18. 

Despite this, XX/XX/XXXX, Midland Credit Management was awarded a judgment to garnish my wages for the amount of {$1700.00}. As of today, I have been garnished {$620.00}, and I am pursuing legal action due to Midland Credit Managements deceptive and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.

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 2024-12-12 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
I am reporting unauthorized hard inquiries on my credit report, a violation of 15 USC 16c-2. These errors are detrimental to my credit and require immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello gentlemen. My name is XXXX XXXX XXXX XXXX, social security number is XXXX card The Capital One company closed my credit card account XXXX without notice and without explanation. However, they did withdraw the payment of XXXX dollars from the bank of my son XXXX XXXX XXXX, social security number is XXXX. It is not right. We are a family from Florida that has suffered the ravages of hurricanes and we have had economic problems. My son, XXXX XXXX is going to serve in the XXXX. They should not do that to us. We have always paid him. It would be discrimination for being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX this year, I purchased with my Wells Fargo Cash Wise Visa four airplane tickets in the amount of {$4700.00}. I paid in full my credit card and haven't used it since then. 
In XXXX the card was hacked and someone used it mainly for buying airplane tickets as well in the amount of over {$7000.00}. I informed Wells Fargo. They issued me a new credit card and returned the money plus {$4700.00} more. I noticed that and decided that they made a mistake and called them XXXX times to take their money back. In XXXX, they finally took the money. XXXX days later, I had to fly to XXXX, but my ticket was cancelled. I had to buy a new one which was {$800.00} more expensive. I realized that the amount of {$4700.00}, which I considered their money, was actually the amount from all my cancelled tickets that I bought with my money. 
The bank made a huge mistake, although I sent them a letter which clearly stated the purchases that I made and the ones that were made by the hacker. I was left without money and without my tickets. I went through awfully stressful time and was punished to pay for new, much more expensive tickets. 

Please help me receive my money back by making them resolve the claims ASAP. 

Claim # XXXX for {$1400.00} XXXX ; Claim # XXXX for {$2800.00} from XX/XX/year> ; and XXXX claims the are closed by the bank, but there is not any additional money in my account : Claim # XXXX for {$210.00} and Claim # XXXX for {$220.00} Thanks

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 2024-12-12 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: PA

Complaint narrative:
Under 15 USC 16c-2, I'm requesting the immediate removal of all unauthorized hard inquiries from my credit report. These inaccuracies are harming my creditworthiness.

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 2024-12-12 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: VA

Complaint narrative:
There are inaccurate accounts on my credit report. Please review the documents I've sent as those inaccurate accounts are stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I have no knowledge whatsoever of this debt and had no idea it was even against me until I was going through my credit report. I tried disputing with XXXX stating I have no knowledge of this debt and that it does not belong to me, in which it gets rejected and remains on my report. I have never heard of this company nor done any business with them and they refuse to disclose original creditor. I want this removed immediately.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB I am submitting this complaint to report what I believe to be discriminatory practices by Wells Fargo based on my and my familys national origin. My husband and I are XXXXXXXX XXXX originally from XXXX. We became XXXX XXXX last year, and since then, we have encountered significant issues with Wells Fargo regarding our accounts. 

After receiving our citizenship, we visited a Wells Fargo branch and provided our citizenship certificates to update our accounts. Several months later, we received a letter requesting an update to our residency status. Once again, we went to the branch, complied with all requests, and signed the necessary documents. 

Most recently, my XXXX son, who has a savings account with Wells Fargo, received XXXX XXXX asking if he had any relationship with the government of XXXX. This was both shocking and distressing. My husband and I immediately went to the branch again, providing our citizenship certificates, passports, and signing all required declarations. 

Despite our full compliance, we were notified on XX/XX/year>, that our accounts, including my credit card, had been restricted. This has caused significant financial distress, as my credit card has payments due tomorrow, XX/XX/year>. When we visited the branch this morning, the banker confirmed that all documents were on file. However, we were informed that it would take up to XXXX business days to resolve the issue. 

A representative from the banks back office also stated that if the declaration page is not received, our accounts could be closed. We find this deeply troubling, as we have provided all requested documentation multiple times. 

As XXXX citizens, we feel that this treatment is discriminatory and based on our national origin. It appears that Wells Fargo is unfairly targeting customers of Iranian descent, even those who have fully complied with legal and banking requirements. Through our oath of allegiance, we have declared the United States as our chosen country, yet we are being subjected to scrutiny that feels unjust and un-American. 

We respectfully request that your office investigate this matter and take appropriate action to prevent discriminatory practices by Wells Fargo or any other financial institution. This experience has caused significant stress and disrupted our ability to manage our finances. 

Thank you for your attention to this matter. 

Sincerely, 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