vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am writing to dispute an erroneous debt collection entry by Pro Collect on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. 

The debt in question does not belong to me, and I have never had any account or financial relationship with the original creditor mentioned in this collection entry. I have not been provided with any documentation that substantiates this debt as being mine. This entry is a clear case of mistaken identity or inaccurate reporting. 

I am requesting that Pro Collect immediately verify the debt in compliance with the FCRA and remove this erroneous entry from my credit report if they can not provide proof that this debt is valid and belongs to me. I also request that all three major credit reporting agenciesXXXX XXXXXXXX, and XXXX notified to correct this information on my credit reports.

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 2024-09-03 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
I had Axos Bank close out one of my XXXX XXXX  and send it to another bank for deposit. It was mailed by Axos on XX/XX/year>. It has not arrived at the receiving bank. I started calling them on XXXX XXXX and asking if anyone has cashed it. They said they had to research it and would get back to me in XXXX to XXXX hours. After that time period there was no response. I repeated the process, talking to XXXX from Axos on Wed, XXXX XXXX, his only response via secure email was that the check was sent on XX/XX/XXXX. Called again on XXXX XXXX, talked to XXXX, she said that they would have to research it and she would call us back. She never called back. 
Sent them a secure message on XX/XX/XXXX. No response as of XXXX XXXX at XXXX EST. 
Called them XX/XX/XXXX at XXXX pm and spoke to XXXX and asked to speak to a XXXX. She said she could not connect me and someone would call us back in XXXX days! 
I find this totally unacceptable treatment for a bank. After all this time, we have no information other than the check has been sent! ( so they say ). 
This bank has an extremely bad system of handling this issue. I don't know how they can be this inept and lacking in service when a lot of money is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: ME

Complaint narrative:
I have Power of Attorney for my XXXX XXXX XXXX mother. KeyBank refuses to acknowledge it or return my phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received a letter from Credit Collection Services dated XX/XX/year>, stating I owed a debt to XXXX XXXX for {$300.00} and that I had until XX/XX/year>, to respond to the letter. I sent a response on XX/XX/year>, that disputed the debt based on my bank statements and asked for their records in order to see how the debt was derived. I received no further information from the company to show that I owed the debt, but I received another letter saying the debt was being sent to collections on XX/XX/year>. I have since filed a complaint with the XXXX against Credit Collection Services and received no response from that. 

I also filed a complaint against XXXX XXXX with the XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX for not applying my payment in a timely or accurate manner, canceling my policy, using payments intended for XXXX insurance policy to pay for another, and then sending a payment I already made to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>2024, I walked into the Wells Fargo Branch in XXXX XXXX, TX, to close my savings account to retreive my funds. Wells Fargo employee informed me they sent the funds in my savings account to Unclaimed Property ( State of Texas ). Wells Fargo never asked for permission to do this and did not contact me. The employee told me he had contacted Unclaimed Property and they would have a check for me in XXXX weeks. 

On XX/XX/year>2024, I called Wells Fargo, spoke with XXXX in Customer Advocacy Group and XXXX in Digital Support Team. I told XXXX I wanted a transcript of my conversation with Wells Fargo on XX/XX/scrub> 2024. XXXX goes silent after I remain on the phone for an inordinate amount of time. XXXX does not respond to my questions, asking if she is there several times, yet the phone is live on her end. I tell her she gives me no alterative than to sue in small claims court to subpoena the information needed. XXXX remains silent and does not respond. 

I just want my money back.

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 2024-09-03 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: FL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-09-03 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:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened this account earlier this year and credit was very high because I don't own anyone, and I like to pay my bills. But Capital one came destroyed my credit history I built. They are the one that only mail to my address credit card I am qualified for to apply. Last year I have to close my account with them and pay them off and they got upset and destroyed with bad report and I have to start over again and get my credit high to XXXX they started contacting me to apply now I did apply for credit card venture for XXXX I was approved but after getting the card I lost my wallet with credit cards and ID and my information were stolen and my pane was also hacked which I called XXXX I use their product to help me protect locked my phone. However, the credit card were used by people that hacked my account to purchase things online which I didn't authorize. I could not pay the bill because I didn't know that the credit card were hacked and used and I could not pay them on the first months and I didn't know that I was scheduled to pay them and I missed the payment and the Capital one get very upset without being patient to know why and they close my account immediately and threatening me not to touch or get access to the account. I am having XXXX, XXXX and XXXX. They don't have right to close my account without my consent. They were so aggressive and treated me as if I am nobody and very badly. when I wanted to make some payment, they blocked me not to make any payment and they went and put bad report to my credit. I told them not to send me the info of credit qualification to my address, but they did it again. 
The worst part is that I have numerous payments of XXXX dollars but Capital one didn't add it to less the amount I am owing them rather they continue to increase because they want me to pay it in bulk at same time for them to accept and recognize it but I would not be able to pay XXXX in bulk since I didn't pay in build they refused to pay the XXXX dollars I paid several times and increasing the bill now. They suppose calculate all these payments I made to the one I am owing them to lessen the amount I am owing. I don't why capital one is doing this to me. Their annoyance is that I didnt pay XXXX in bulk and I split it paying in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is reporting a late payment that needs to be removed. I have had this account for a very long time, I put this account on auto pay and seem to have issues. Navient recently cancelled my auto pay without any notification to me. I noticed that the payment did not go through as normally so I went ahead and looked and sure enough they never drafted it because they cancelled it. I went ahead and put it on auto pay again and made the payment however, they notated the payment as late and it is now affecting my credit file. This needs to be removed as it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a call from a person with poor english skills stating she was from Chase Bank about a credit card opened in my name, last XXXX numbers XXXX. This person called from XXXX XXXX. She said someone in North Carolina opened a Chase VISA in my name. She said my credit reports were in the public domain online. She then claimed to transfer me to CFPB. 
When transferred I talked to a person that identified himself as XXXX XXXX. He also spoke poor english. I directly asked, and he confirmed that he is an employee of the United States Government. He said my credit reports are available publicly He said I was being overcharged higher than legal interest rates on my credit cards based on a law from COVID relief. I asked for the specific law, but he could not tell me. He wanted credit card numbers and other information. He is supposed to call me back. 

I think this is a scam. Is this real/legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other. In accordance with the written instruction of the consumer. That's aggravated Identity Theft 18 USC 1028A, you have possession and are using my information without my consent. 15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT. Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$970.00}

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed an

d what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to
the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a letter reopening the dispute with XXXX XXXX XXXX. Please see attached evidence that this tradeline was disputed and deleted on XX/XX/XXXX, by TransUnion correcting the credit report. 
However, this item has been added back to TransUnion which has since been disputed according to the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x 2, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Repeated disputes without deletion are against all established credit reporting standards. Especially with a record of deletion. 
On my most recent call, today, XX/XX/XXXX, TransUnions agent, XXXX hung up on me regarding this investigation. I have forwarded this information regarding TransUnion and XXXX XXXX XXXX reporting process to the Federal Trade Commission for the record and will open this with other agencies and legal services as needed. 
I advise XXXX XXXX XXXX be permanently deleted from TransUnion.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account with Regions bank XXXX XXXX XXXX Texas was locked due to verification with address. Which I had already had went into the branch a month prior to XXXX XXXX when my I received email to come in person to open account which I brought my lease supporting documentation for my address along with making {$60.00} deposit I reach out to bank manger XXXX XXXX XX/XX/year> we spoke over the phone and she told me she didnt know what the gentleman did with the copy of my lease he no longer works there I have the correspondence Ive sent her this morning and still no resolution Im getting the run around I may not have millions in theyre bank but Im a customer and I need the little bit of my money to make it to work Ive had to miss work since Saturday due to not being able to go in due to this situation. I just need my money

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-03 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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