vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I never received written notice of the debt. The collector purchased the debt in XX/XX/XXXX and added the collection to my credit report the same month. I was XXXX  from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. The address they sent the notice of debt to was my fathers old address which he moved from in XXXX XXXX XXXX. I was XXXX  in the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX when I was transferred to a XXXX  XXXX  Maryland until XX/XX/XXXX when I was XXXX. The collector is saying I received notice in XX/XX/XXXX which is impossible. Even if the notice of debt was forwarded to my fathers new address, he would not have been able to receive notice on my behalf because he never had XXXX XXXX XXXX XXXX XXXX. The address I was 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the collector would have given me proper notice at any point during this time period they would have received a notice from which ever XXXX  I was in due to it being legal mail. Taking into consideration the notice of debt the collector sent is fraudulent at this point this collection needs to be removed from my credit report. The acts they are participating in and are unethical. If this collection is not removed from my report I will be filling a lawsuit. This blemish on my report caused by false information is causing me so much stress in dealing with this debt collector and also trying to get more credit and an auto loan. This collection from this collector is defamation of character and under case United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX I have the grounds to proceed with this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo via chat to remove the escrow from my mortgage. They stated that they'd send me a letter and an email and that the escrow would be automatically removed within 10 days. That never happened. They transferred my account with the escrow to a new mortgage servicing company, 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 2024-04-01 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: IL

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-04-01 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: FL

Complaint narrative:
I recently looked at my credit report from EQUIFAX on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX  XX/XX/XXXX XXXX Called into capital one about issues on account. I was told if I paid they balance they would wave the fees and remove report on my credit report. I paid the balance and the report wasn't removed. When I called back to see why it hasn't been changed I was told that can't help. They clearly say in the recording of the call what they would do and haven't done it. I just would like them to do what was promised in the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted an application to refinance my auto loan from XXXX XXXX XXXX Navy federal credit union on XX/XX/2024. The same day they told us we got approve and I asked when will our payment be. The first rep told us it will be XX/XX/XXXX but if we waited until XX/XX/XXXX to signed it a new month will reset and our payment wouldnt be until XX/XX/XXXX which would give us additional time for XXXX payment. I agree to signed the papers on the XXXX to get the additional time. Being a little hesitant I called again before the XXXX, I believe the day of my XXXX call was XX/XX/XXXX or XXXX. XXXX rep gave me the SAME EXACT information! Which was if I waited until XX/XX/XXXX to signed my paper work I will get that additional time until my next payment. Finally XX/XX/XXXX came around and I called XXXX thing in the morning. I was told the SAME EXACT information by this XXXX rep that by signing today my payment will be on XX/XX/XXXX. So we signed on XX/XX/XXXX and did all the proper steps! Once my loan was generated on my XXXX app it showed my XXXX payment being XX/XX/XXXX so I email them about this mistake. Not only did XXXX acknowledged their MISTAKE but also said they couldnt do nothing about it! Back and forth a few times through email until XXXX supervisor from loan department contact me pretty much saying the same thing that they couldnt do nothing and contract was signed already and she also acknowledged that XXXX rep made a mistake as she try to downplayed the situation! I told her it wasnt XXXX rep it was XXXX different loan officers giving me the same exact information and I know calls are being recorded so they can back track! How did 3 people mess up?? No knowledge of the products they offer or how it works! Im very upset at this situation, as also my husband is a veteran and being a bank for veterans we were treated poorly and no true solution was giving to us but have our payment increase if we wanted to make a payment on XXXX!!! I seriously super upset at the false information giving by the loan officers/reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2024 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In my latest request to Equifax ( letter mailed on XX/XX/XXXX ) requested that Equifax validate and verify legitimate ownership by providing proof of a signed agreement and/or documentation that I was responsible for the account. Without providing ANY of the requested information they verified the account was mine. Additionally, I asked that Equifax explain what the process of verifying and validating these accounts and they refused to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XX/XX/year>, I received notice via XXXX  XXXX that an inquiry was placed on my XXXX credit report from Wells Fargo Card Services that I did not authorize, nor apply for. As this has had a negative impact on my score, I have moved to file a complaint as recommended by 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 2024-04-01 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-04-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I returned an item bought from XXXX, and they received it on XX/XX/XXXX. Despite multiple attempts to inquire about my refund, XXXX  informed me that I needed to wait XXXX days for the merchant to process it. After waiting, I contacted XXXX  on XX/XX/XXXX, and a supervisor mentioned that this was the final day for the merchant to issue the refund. However, if it wasn't processed, XXXX would handle it. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out a form explaining why the refund hasn't been issued. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out another form explaining why the refund hasn't been issued and I advised them that I have submitted XXXX  and they keep telling me to submit the form again because question XXXX  XXXX was not answered correctly. Question XXXX  XXXX is asking how was the order shipped back to the merchant and I responded via XXXX  and provided the tracking number and they want me to delete the tracking number then they hang up on me. I wasn't informed of this requirement during my previous call on XX/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 non-monetary relief
Consumer complaint received 2024-04-01 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TN

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-04-01 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.

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 2024-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
On XX/XX/year>, I entered an agreement with a company by the name of Paycheck Solutions. After a few payments I ran into a financial hardship due to a car accident that resulted in my vehicle and only means of transportation being totaled due to a drunk driver. I immediately explained the situation with paycheck solutions, and they allowed me to make one parcel payment, but was not given any other type of solution. I stayed in contact with Paycheck Solutions continuing to update them on my current situation and was told that there was nothing they could do. Paycheck solutions continuing to try and charge me even though I told them that the funds were not available. Without any type of court paperwork and or any type of notifications about wage garnishment, Paycheck solutions apparently sent my place of employment court documents with a case number to garnish my wages. I found this out two days before receiving my paycheck from a paycheck stub that is provided a few days before payment. After speaking with my company payroll department they said that there was nothing they could do because of the court order. I explained to them that I am unaware of a court order as I was never given information. I then contacted Paycheck solutions and asked them to provide the documentation that was provided to my employer and didn't receive the information requested. Instead they responded that they would send a release form to my employer payroll department and I could work out the payments with them. So, money was garnished illegally from my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the bank of America in XXXX, XXXX : XXXX XXXX XXXX XXXX, CA XXXX. I went at XXXX to the atm outside to deposit my {$1200.00} cash to pay my rent and the atm took my money and did not give me a receipt and did not put the funds into my account. i went into the bank and the bank manager was rude and said she could not help me, i told her i was not leaving until my money was out into my account or they fixed the atm. they still did not help me. i was given a number that was on the ATM and the atm number to file a complaint. i filed a complaint and they said that they can not help until they do an investigation and i am out the {$1200.00} until they solved it and even then, i won't get my money if they cant solve it. This bank is stealing my hard-earned money and i want to turn them in and get my money back ASAP. I'm going to be kicked out of my house and lose my car if i don't get my money. my claim number is 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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Card value was emptied out before I was able to use it

Company response to consumer: Closed with explanation