vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
I was sent a summons dated XX/XX/year> from an attorney debt collector. The debt collector is Roach & Murtha Attorneys at Law, P.C. I filed an Answer to the summons at the court and sent it by certified mail. Approximately two weeks later, I called the debt collector attorney at XXXX and my call was routed to XXXX XXXX at extension XXXX. XXXX XXXX is the assistant manager of the loan account, which has a balance of {$8700.00}. The original creditor was Upstart Loan ( XXXX XXXXXXXX XXXX  ) which was sold to XXXX XXXX, XXXX, and is now represented by Roach & Murtha. I want to submit a complaint about the way XXXX XXXX communicated with me when I called on XX/XX/year>, and XX/XX/year>. He was very rude and unprofessional. I did not expect a warn welcome but I also did not expect a personal attack. On both occasions, XXXX XXXX was hostile and abrupt with me and I was unable to get to the reason for my call. XXXX XXXX 's words were filled with anger, violence, and hate which took me by surprise. I thought I would be able to begin a discussion regarding payment plans, options, etc. but XXXX XXXX threatened my home by attaching a lien, accused me of not wanting to pay because I'm on social security, and then just hung up on me. The tactics used by this debt collector should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

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 2024-12-23 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: SC

Complaint narrative:
Submitted a dispute early last year in regards to inaccuracies found on my credit report, I received a letter back from each company saying that the debt was verified and it will remain on my credit report so I sent out a response letter to XXXX, Equifax and XXXX requesting how the debt was verified and requested verfiable documentation from each company in question to verfiy the debt or payment history. Each company could not provide the following items I requested and contract with my wet signature and proof of ownership of the following accounts etc .... 
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 XXXXXXXX XXXX XXXX I also went to founders personally and retrieved my payment history along with original loan documents and none of the information matches up with what is being reported. I did not have a repossession for two months in a row nor was my balance XXXX it was less. the terms are also reported wrong as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: SC

Complaint narrative:
Submitted a dispute early last year in regards to inaccuracies found on my credit report, I received a letter back from each company saying that the debt was verified and it will remain on my credit report so I sent out a response letter to XXXX, XXXX and Experian requesting how the debt was verified and requested verfiable documentation from each company in question to verfiy the debt or payment history. Each company could not provide the following items I requested and contract with my wet signature and proof of ownership of the following accounts etc .... 
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  {$0.00} {$0.00} I also went to founders personally and retrieved my payment history along with original loan documents and none of the information matches up with what is being reported. I did not have a repossession for two months in a row nor was my balance XXXX it was less. the terms are also reported wrong as well.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AAA Collections
State: SD

Complaint narrative:
I did not know what option to check as it did not list what happened to me just today. 

I have not gotten any recent mail or notification from a collection agency called AAA Collections. 

I have not spoke with anyone or authorized any payments or payment plan Some how, some way they just took the amount of {$380.00} out of my bank account. 

Again I never authorized payment, I never gave them my bank account information. 

Let alone right before 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 2024-12-23 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: SC

Complaint narrative:
I received a copy of my credit report and found that XXXX XXXXXXXX XXXX XXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.

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 2024-12-23 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: GA

Complaint narrative:
I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga 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 2024-12-23 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: NV

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I created a SoFi bank account earlier this year and had some friends transfer money to me for personal reasons. Because my friends transferred in the money, SoFi thought that the account belonged to those people, which is not true. The account belongs only to me. They restricted my account for violating their terms since I had multiple account owners, and they are in the process of closing the account. I dont agree with the reason for closing the account, but Im fine with it as long as I can get my money back. However as of today ( XX/XX/year> ) have said I am not entitled to the funds. They will not provide me the reason for why I am not entitled to the funds and theres nothing I can do to get it back. I would like help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a phone call from the Wells Fargo customer service line ( XXXX ) XXXX. The banker on the phone asked me if I was familiar with a woman ( cant recall the womans name ) from XXXX XXXX. I confirmed I didnt recognize her name. He said that someone was attempting to make multiple purchases/transactions and transferred me to the fraud department where I was connected to a supervisor who claimed there were multiple transactions and recommended locking my online account access. At that point they locked my online banking and from that point forward I did not have any access to my account information, transactions etc. 

XX/XX/XXXX received another call from the Wells Fargo customer service line ( XXXX ) XXXX and who had access to confidential account information such as balance, user name, transaction history etc. and would be investigating further. Later that week I was contacted again with the assertion the source of the fraud was someone at the XXXX branch. He said they filed a police investigation but when I asked for any verification, none was forthcoming. As part of the investigation, he had me go to the branch and confirm a transaction under the guise that they needed to flush out the bad employee. 

By Saturday, XX/XX/XXXX, I contacted Wells Fargo XXXX department again and was informed the this was an identify fraud scenario that included over a dozen of fraudulent money transfers, inter-account transfers, debit card transactions and a credit card cash advances totaling between $ XXXX. I made numerous claims as these transactions crossed multiple bank departments. 

On XX/XX/XXXX or XX/XX/XXXX, I finally was able to access my Wells online and found XXXX additional unauthorized transactions and contacted Wells Fargo while also submitting an FBI report. 

As of this date, while this entire process began with a fraudulent call from an official Wells Fargo customer service line, received fraudulent text code verifications etc. Wells claims no liability.

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 2024-12-23 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:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: NC

Complaint narrative:
This letter serves to formally request confirmation of the charge-off of my account number XXXX in the amount of Account charged off. {$30.00}, XXXX written off. {$29000.00} and to explicitly state that no settlement agreement was reached regarding this debt. 
As a sole proprietor operating under Car Max, I intend to claim this charge-off as a bad debt expense on my Schedule C for the current tax year. 
Please provide written confirmation of the charge-off date and the total amount written off, clearly indicating that no settlement was negotiated or agreed upon. Please remove this bad debt from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation