vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15usc 1681 section 602 states l have the right to privacy. 15usc1681 section 604a section 2, It also states a consumer reporting agent can not furnish an account without my written instructions. Under 15uscs 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
XXXX XXXX ( XXXX  ) account is not mine and should remove it from my credit. This is account is the result of identity theft..

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 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: James E. Albertelli, P.A., a Florida professional association
State: NC

Complaint narrative:
I would like to inform you that I received this notice from your attorney on Friday, XX/XX/2023 via XXXX. Along with the notice was a reimbursement for my check I sent. The date on the check is for XX/XX/2023. However, the notice is dated XX/XX/2023. The letter states the amount of {$2000.00} does not resolve the balance. That is the exact amount that was stated in the first notice from your attorney. I called the number listed on the letter and I find it odd the number is disconnected. I called the number on the first notice and that was the law firm but it is the housing foreclosure department. The lady on the phone directed me to the correct department. Your onsite staff and now your attorney are running scams. Nothing on these documents sent by your attorney are legitimate. Nothing your onsite staff has sent me is legitimate. 

I have been locked out of my account so I can't see the total rent and utilities due When I ask your staff how much is due the amount changes every time When I try to pay via XXXX it's declined because I do not have access to the correct exact amount that is due. 

When I drop off a payment no one is there to accept it and there are checks falling out of the drop box When I mail a check to corporate it gets lost and not posted to my account Because I can't see the amount due because I am locked out of my online account, I have to wait for the 10 day notice By the time I am able to reach you all to pay what is listed on the notice you add additional fees No one will state what is actually included in legal fees. First you said legal fees were {$620.00} then you changed it to {$650.00}. 

I would like to know why the first notice received from your attorney on XXXX XXXX states I have until XX/XX/XXXX to pay or dispute the charges owed. The numbers listed are for the incorrect department. 

I would like to know why the check amount that I sent was reimbursed on XX/XX/XXXX and I didnt receive the check until XX/XX/XXXX, which was my last day to dispute or pay. Also, your attorney had my check in possession during my court date XX/XX/XXXX. 

I would like to know why I received my payment back on XX/XX/XXXX with a notice dated XX/XX/XXXX? The notice has a disconnected number. 

Additionally, I have been told since Monday that the attorney would reach out to me to answer the above questions. I called today Thursday, XX/XX/2023, and left a voicemail on the office number and cellphone number listed in the email the attorney sent me. I then received a call back stating that the attorney was proceeding to file the writ today. The attorney still has not sent me any sort of written documents.

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
we purchased our car XX/XX/2023, we have made all payments and the amount will go down but go right back up the next month. it's like we have made no payments. We financed it for {$16000.00} and the current payoff as of today XX/XX/2023 is XXXX. We have only reduced the amount by {$100.00} in XXXX  months. This is over doing it. If we are even a day late due to paydays we get hounded by phone calls. We should have paid more than that. When we bought the car we were told the drivers headlight would be replaced due to it collecting water and causing bulbs to blow. When I went to set up the fix I was told the person who told me no longer works for the company and no one has made any attempt to fix it. my main concern is the loan itself. this needs to be adressed because consumer portfolio is ripping people off badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a Wells Fargo mortgage loan, back in XXXX to XXXX. I ran into a hardship with my payments and requested a modification several times and continued to be denied. 

My house was placed into foreclosure, and I ended up having to sell my home. During the process of me trying to get a loan modification. 

After recently reading about the lawsuit regarding the denial of loan modification with Wells Fargo and the sanctions brought about is when I realized that I was a part of this scam and denial process that was being done to homeowner 's loans with Wells Fargo. 

I did put in a compliant regarding the false claims that my house was sold and not foreclosed on, But they stated that no wrong act had taken place on their part, and my house was listed as being foreclosed on. This effected my credit score as well as my ability to get another home loan.

Neither the less, I was forced to sell my home. I could never understand why they continue to deny my loan modification request. We were told we over qualify. 

Now that I am aware of this lawsuit, of Improperly Denied Mortgage Modification which by the way I never received any communication regarding this matter, from Wells Fargo or Cfpb for the Orders of CFPB mandating Wells Fargo to pay XXXX XXXX Widespread. 

I wrote a complaint which can be found in my portal to confirm this complaint. Nothing was done to support my claim other than Wells Fargo response. 

My concern is that this was not looked into further and communication regarding my complaint of unfair practices on Wells Fargo Part to look into my loan modification documents further. Truly I feel we were looked over and nothing was done to help us with this unlawful at from Wells Fargo.

Now we see that we should have been a part of this lawsuit regarding the loan modification program and the time frame and location it took place in.

I am in hopes that we are listed as one of the accounts that was part of this scandal. I am sure we were. How is this managed and where do I go from here? 

How do I find out if I should have received some compensation regarding this issue. 

Thank you for your time and consideration. 

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I am writing to file a dispute regarding an unauthorized charge on my account with First Tech Credit Union. On [ date ], I received notification of this charge, which I believe to be erroneous and unauthorized. Despite my repeated attempts to resolve this issue with First Tech Credit Union, they have denied my request to remove the charge and have failed to provide any evidence or explanation supporting their decision.

I have taken all necessary steps to resolve this matter directly with First Tech Credit Union, requesting documentation or evidence supporting the legitimacy of this charge. However, they have not provided me with any such evidence or explanation, leaving me in the dark regarding the basis of their decision. 

I would like to request your assistance in investigating this issue and facilitating a resolution. I firmly believe that this charge is unauthorized, and I have the right to be provided with evidence or an explanation from First Tech Credit Union to justify their decision to deny my request for removal. 

Enclosed, please find copies of any relevant documentation or correspondence related to this matter for your reference. if, no documentation is provided I ask that this charge be return and all charges I kindly ask for your prompt attention to this dispute and your assistance in ensuring that First Tech Credit Union provides the necessary evidence or explanation to support their decision. 

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

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 2023-12-07 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:
A complaint was filed XX/XX/2023 against XXXX Collections as they are stating they have some sort of contract between themselves and XXXX XXXX. However, I myself am no party to any contract with XXXX XXXX and further state I have no relationship, contract, agreement, or marriage with XXXX XXXX. I do not recognize any enforceable contract by this party. They expressed that XXXX XXXX  XXXX XXXX signed the contract but provide no evidence of permission or authorization from the surety consenting to any arrangement. 

XXXX. XXXX XXXX does not possess any written consent or permission to use any title concerning XXXX XXXX. There is no evidence to the contrary. 

XXXX. XXXX XXXX further does not possess any authority that would authorize them to attach or furnish anything related to XXXX XXXX without the consent of the surety. There is no evidence to the contrary. 

XXXX. XXXX collections brought up a signature however any signature in their possession is not allowed to be in hands that are not clean, therefore any signature in Grimm Collection or Comfort Dentals possession alleged to belong to XXXX XXXX is not their property and is now RESCINDED. 

XXXX. Due to potential injury and prevention of irreparable harm, the surety is now XXXX for XXXX XXXX communicating to the debtor without his consent. 

XXXX. XXXX Collections, XXXX XXXX does not have permission or consent to furnish any information with any credit reporting agency and for damn sure DO NOT HAVE MY WRITTEN CONSENT. There is no evidence to the contrary. 

XXXX. Any and all consent to XXXX, Equifax, XXXX, XXXX collections, and XXXX XXXX whether it be verbal, non-verbal, written or otherwise is now revoked. 

XXXX. Any and all granting of security interest to XXXX XXXX or XXXX Collections is now rescinded, revoked, null and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
A complaint was filed XX/XX/2023 against XXXX Collections as they are stating they have some sort of contract between themselves and XXXX XXXX. However, I myself am no party to any contract with XXXX XXXX and further state I have no relationship, contract, agreement, or marriage with XXXX XXXX. I do not recognize any enforceable contract by this party. They expressed that Principal Debtor XXXX XXXX signed the contract but provide no evidence of permission or authorization from the surety consenting to any arrangement. 

XXXX. XXXX XXXX does not possess any written consent or permission to use any title concerning XXXX XXXX. There is no evidence to the contrary. 

XXXX. XXXX XXXX further does not possess any authority that would authorize them to attach or furnish anything related to XXXX XXXX without the consent of the surety. There is no evidence to the contrary. 

XXXX. XXXX collections brought up a signature however any signature in their possession is not allowed to be in hands that are not clean, therefore any signature in Grimm Collection or Comfort Dentals possession alleged to belong to XXXX XXXX is not their property and is now RESCINDED. 

XXXX. Due to potential injury and prevention of irreparable harm, the surety is now XXXX for XXXX XXXX communicating to the debtor without his consent. 

XXXX. XXXX Collections, XXXX XXXX does not have permission or consent to furnish any information with any credit reporting agency and for XXXX sure DO NOT HAVE MY WRITTEN CONSENT. There is no evidence to the contrary. 

XXXX. Any and all consent to Experian, XXXX, XXXX, XXXX collections, and XXXX XXXX whether it be verbal, non-verbal, written or otherwise is now revoked. 

XXXX. Any and all granting of security interest to XXXX XXXX or XXXX Collections is now rescinded, revoked, null and 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 explanation
Consumer complaint received 2023-12-07 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
AFFIRM INC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I received a text message from my mother with a " Receipt number, XXXX for {$240.00}, paid in full, XXXX balance '' indicating that she had paid a bill for me. She was contacted by someone, then returned a call to the number XXXX for XXXX XXXX XXXX. My bill was already paid at my XX/XX/XXXX visit in order to be seen on date. I wasn't even aware of a pending bill until I presented as my last insurance should have provided coverage on my first visit of XX/XX/XXXX. 

I contacted the office for XXXX XXXX XXXX  and she verified that my bill had been paid in full, and she didn't know how my mother 's number was used, as they only had my number on file. She indicated they use Wakefield & Associates for collections. 

Wakefield violated my privacy by contacting my mother to discuss an account where there was already a XXXX balance, and through communication not authorized by me. I don't know how they got her information, but she was never on the radar of my medical treatment. This has caused so many concerns for me. My mother is on a fixed income and now an impression that I can't pay my bills and she needs to do this for me " as a XXXX present, '' and it is embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: ND

Complaint narrative:
I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and Experian is showing me as to having a synchrony XXXX through XXXX as of XXXX XXXX. XXXX wrote it off as of XX/XX/2023 do to no payment made. I spoke with XXXX and they assured me I had never had this card. I had a dispute with Experian that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX XXXX XXXX XXXX XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 explanation