vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint to address Equifaxs failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX on XX/XX/2024, and # XXXX on XX/XX/2024 ), Equifax reinstated fraudulent accounts without providing a valid reason.

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their policy prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC XXXX XXXX # XXXX. 

On XX/XX/2024, I submitted an FTC Identity Theft Affidavit disputing XXXX fraudulent collection accounts on my credit report under CFPB complaint # XXXX, providing all required documentation to facilitate their removal. Despite this, the accounts remain, and supervisors have stated that " policy '' prevents their removal, which contradicts FCRA 605B 's requirements. I do not recognize these accounts, collections, late payments, or charge-offs ; they are the result of identity theft and fraud. 

I am resubmitting all required documents and demand the immediate removal of these items within four days of receipt, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number?

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: MA

Complaint narrative:
Please see open case # XXXX. This company sent me a letter acknowledging the complaint filed here and told me you can not help me. Please assist with getting this account closed and off of my credit report ASAP as this company is behaving in an illegal way and is not concerned about any regulations or repercussions.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2025-01-04 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: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally address an ongoing issue regarding fraudulent information on my credit report that I have repeatedly requested to be removed, despite filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Despite following the necessary steps and providing the required documentation, the fraudulent entries remain on my report, causing significant harm to my credit score and financial well-being. 

On [ Insert Date ], I filed an Identity Theft Report with the FTC after discovering fraudulent accounts and activities listed on my XXXX credit report. This report clearly identifies the fraudulent entries, and under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX is legally obligated to investigate and remove any information resulting from identity theft. 

However, despite submitting the FTC Identity Theft Report and following up on my dispute, these fraudulent items have not been removed, and I continue to see them on my credit report. This ongoing issue has affected my credit score, financial standing, and peace of mind. 

I believe XXXX failure to act in accordance with the law constitutes violations of the following : FCRA Section 605A ( Identity Theft ) : Under 15 U.S.C. 1681c-2, XXXX is required to block any fraudulent information from my credit report within four business days after receiving the FTC Identity Theft Report.

FCRA Section 611 ( Disputes ) : As per 15 U.S.C. 1681i, XXXX must investigate and resolve disputes related to inaccuracies on my credit report within 30 days. The fraudulent information should have been removed as part of this process.

FCRA Section 623 ( Responsibilities of Furnishers ) : XXXX is also responsible for ensuring that inaccurate information from third-party furnishers is not reported. This has not been addressed despite my multiple attempts to resolve the issue. 

The failure to correct my credit report has caused several negative consequences, including damage to my credit score, emotional distress, and financial harm. I request that XXXX immediately remove the fraudulent information from my credit report in compliance with the FTC Identity Theft Report and the FCRA. Furthermore, I request written confirmation that the fraudulent entries have been removed and that the investigation has been completed in accordance with the legal requirements. 

If this matter is not resolved promptly, I will be forced to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies in court. 

I trust that you will address this issue swiftly and look forward to your prompt response and resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Payments were made timely, one late payment was shown that does not reflect my credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated. Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. Under 15 U.S.C. 1681, Section 604A, Subsection 2, a consumer reporting agency can not furnish an account without my explicit written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I am requesting the immediate correction or removal of the erroneous late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I woke a check on the XXXX to a contactor for a roof job for XXXX and Bank of America returned the check with no notice. Contractor reached out for NSF and hot check. He called the police. I was almost arrested. Agents at Bank is so difficult to get a hold of. Took XXXX hours to get a hold to someone. I was hung up on and whn I did speak to someone supervisor XXXX in fraud.. he was rude and treated me like it was my fault. He said to get my legal team to reach his team. It was horrible treatment and service. He said I signed on the dotted line and they can return a check if they want. I was concerned of the treatment and no alert was provided. I had nothing to give the police. No proof that any alert was sent to me for flagging. The payment could not be provided to.the vendor and the vendor did not trust me to write another check.

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 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I never received the copy b of the 1099c form that was filed due to my dillards wells fargo credit card being charged off. According to the irs code, a cancellation of debt is considered income and can not be furnished on a consumer 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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number?

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ 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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from XXXX your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all fees and interest added to the debt ; XXXX. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
On XX/XX/year> they said that they can help repair credit but nothing as changed and I spent over {$200.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MS

Complaint narrative:
XXXX XXXX of XXXX XXXX has reported that I was 60 days late with my loan payment when I wasn't and wrong balance owed for repayment. My payment was due on the XXXX of the month for 6 months I paid XXXX payment after the XXXX. I paid my XXXX and XXXX payment on the XXXX of XXXX so I really wasn't no where near 30 days late in XXXX only 17 days late for XXXX and paid XXXX payment early And I made a extra payment on the XXXX of XXXX all this went in XXXX and made a payment XX/XX/XXXX to the same loan account at XXXXXXXX XXXX of XXXX Mississippi. Please help me with this problem because it dropped my XXXX XXXX down to XXXX when it was XXXX. Thank you, 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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB Officials : I am an XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and I left the XXXX  in XXXX. I am a resident of XXXX. My vested stocks from XXXX ~ XXXX shares went into an Individual account with Merrill Lynch post my exit. My account number is XXXX XXXXXXXX. 

In XXXX of 2024, I decided to sell all my XXXX XXXX shares. I had to make multiple expensive XXXX calls to sell these shares and subsequently remit the sale proceeds to my Savings account in XXXX with XXXX XXXX. The process was very cumbersome and an easier communication channel for foreign investors like me was not provided even though I asked for one from the call center agents at Merrill Lynch. 

In my first attempt to remit the money in XXXX, XXXX, I spoke to an agent with Merrill Lynch. She lacked expertise about the remittance procedures and was not aware of the right information necessary to execute the remittance. I landed up providing an Intermediary bank XXXX XXXX  instead of my XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  due to lack of adequate guidance from the agent. The Agent also did not ask me for an XXXX code of my XXXX account. The remittance was ultimately unsuccessful and I landed up incurring close to {$800.00} in unnecessary XXXX  and other charges which is a fortune for a person in XXXX and an unnecessary drain on my hard earned savings. 

While Merrill Lynch takes a declaration from unsuspecting customers that the onus of providing right information for remittance is with the customer, I am not sure how the Customer can be expected to know the nuances of the complicated remittance procedures unless they are properly guided. It is Merrill Lynch 's duty to explain the procedure to the customer and seek all the right information for a successful remittance and make this process as less tedious as possible, especially for foreign investors. 

I subsequently raised a concern about the above through a written communication on their website. An Advisor called me from the XXXX, took the time to explain what was needed for the remittance. Thereafter my second attempt to remit the money was successful.

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 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to Experian by phone on behalf of my credit file and informed them that I have observed inquiries on my credit report that I did not authorize or had no knowledge of. Experian informed me to contact each company and inform them of the matters. I contacted the companies and was told that I needed to reach out to Experian to get them removed. I contacted Experian once again and was informed that the credit inquiries on my credit file will remain and not be removed. It is my understanding that by federal law if a consumer contacts the said creditor and crediting reporting agencies that the said inaccurate items must be removed and updated to report and reflect accurately.15 U.S.C . 1681e ( b ) Accuracy of Information.

The inquries that must be deleted and blocked from my credit report are as follows : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired 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 explanation
Consumer complaint received 2025-01-04 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: CO

Complaint narrative:
In XX/XX/XXXX I was late on my rent by two months, XX/XX/XXXX I paid the entire debt off. In XX/XX/XXXX this has been posted on my report with no proof. not only has this lie affected my ability to rent a home to live in but it has also blocked my daughter from buying a home. this company had my child as owing this debt when she wasn't even on the lease. When speaking to the customer service agent at XXXX XXXX I asked him who gave him my identifiers ( SS # Birth Date And Name? ) because I never heard of the company and have never contracted with them, he said he brought the information from XXXX XXXX. So when I told him this was identity theft he laughed and said that's how credit works. I told him that in the state of Colorado it is a one-party consent state and that i had recorded the whole call and will be playing it in court. ( I still have the recorder call ) I clearly stated 3 times cease and desist all reporting on my name. it has NEVER Stopped.

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 2025-01-04 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: CO

Complaint narrative:
In XX/XX/XXXX I was late on my rent by two months, XX/XX/XXXX I paid the entire debt off. In XX/XX/XXXX this has been posted on my report with no proof. not only has this lie affected my ability to rent a home to live in but it has also blocked my daughter from buying a home. this company had my child as owing this debt when she wasn't even on the lease. When speaking to the customer service agent at XXXX XXXX I asked him who gave him my identifiers ( SS # Birth Date And Name? ) because I never heard of the company and have never contracted with them, he said he brought the information from XXXX XXXX. So when I told him this was identity theft he laughed and said that's how credit works. I told him that in the state of Colorado it is a one-party consent state and that i had recorded the whole call and will be playing it in court. ( I still have the recorder call ) I clearly stated 3 times cease and desist all reporting on my name. it has NEVER Stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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