vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid deposits in the amount of {$54000.00} for appliances from XXXX, ovet the course of XXXX  years and I had a delivery date of XX/XX/year> and XX/XX/year> and XXXX just went out of business and I am left with nothing but have paid {$54000.00} in deposits. they never delivered my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX  XXXX account for over 6 months while XXXX  XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, XXXX  XXXX charged off the account which lead me to believe that XXXX  XXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.

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 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
To whom it may concern, Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me In your response, you have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. 
I am demanding a cease of the following account ( s ) 1. Delete account from credit report 2. I request copy of Purchase Agreement if cant be provided delete from credit report y law XXXX Please send confirmation once complete. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
From XX/XX/XXXX to the XXXX there were XXXX hard inquiries made on my credit but none were initiated by 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX  requested funds from my Wells Fargo Checking account twice. Once in the amount of {$5700.00} and the second {$3800.00} for a XXXX XXXX XXXX. Wells Fargo ACH the money to XXXX XXXXXXXX XXXX  without verifying the transaction account had been approved by me, without notifying my via email of the posted transaction as has been the practice on all set ups of new accounts and all transactions. I notified Wells Fargo and XXXX XXXXXXXX XXXX XXXX withing 4 days of the transactions via phone calls as that is the only system they use. They will not accept emailed complaints or records of complaints. Neither bank did anything to explain or resolve my complaint. 

My inquiries and demands for the return of funds has been denied without any explanation. This appears to be Wells Fargo internal fraud.

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 2024-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX XXXX Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Modoc Tribe Financial Services Authority
State: NC

Complaint narrative:
XX/XX/year> I emailed to see if they could email me a payment plan with a lower payment so I can take care of this and they can stop threatening me. I explained to them why I do not have a phone during the day. I work I. A lab and not phones are around due to confidential information. They ignore and do not respond. That is all they have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have been an Amex Gold Card holder since XXXX  For years the annual fee was {$95.00}, then recently went to {$250.00} and now is going to {$320.00}. I have had a FICO over score over XXXX for years and always paid monthly statements in full. 
I have read their marketing material explaining how I can easily earn back my fee by discounts, coupons, blah, blah. 
As a senior citizen who has managed their finances well all my life I'm certainly not interested in charging up large balances and paying them interest on top of the annual fee to " earn back '' the {$320.00}. 
I feel I'm being penalized for being a good steward of my money and a XXXX customer. 

I hope the word " protection '' in your title would prompt an in inquiry to Amex over their excessive fees. I read the current administration is very interested in controlling inflation. Here 's a great opportunity to do so! 

I don't care who knows my name and town. XXXX already knows much more than that about me. 

Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting today to inform the credit Bureaus I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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