vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to a mechanic while on vacation in XXXX XXXX as my cylinder was mis firing in my car. 

Upon completion of the work I presented my card to the receptionist who ran it, when I saw the receipt and saw that I was charged a higher amount in credit card fees, I asked what this was and they said it was to help cover their cost for the payment processing fees. I told her I wanted to pay cash and not incur these extra fees, so they told me it was just an authorization that they would and that I could pay them in cash. So I went to the atm took out cash and paid them to avoid the fees.

I told my bank wells fargo multiple times about what happened, but they dont care to fix it or follow up with me or give me any updates and now a service that should have cost me roughly {$400.00} has cost me over {$800.00} and they wont do anything about iXXXX XXXX XXXX XXXX {$410.00} Transaction : XX/XX/year> Posted : XX/XX/year> Merchant info XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Additional info Method Card Inserted Category Other Auto/Transportation

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 2025-02-05 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-05 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX for auto dealer fraud, illegal repossession, and theft by conversion ( XXXX XXXXXXXX ). The dealership wrongfully repossessed my vehicle despite having no valid financing agreement or legal lienholder authority. Additionally, they refused to refund my payments after financing was rescinded, violating Georgias Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 

Background I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, under the agreement that they would secure financing. I paid a down payment of {$4500.00} and additional payments totaling {$7400.00}. However, in XX/XX/XXXX, I was informed that the financing was rescinded. Both Credit Acceptance and XXXX XXXX XXXX, the financing companies associated with this purchase, confirmed they rescinded their agreements with XXXX XXXX. 

Since XXXX XXXX was not a lienholder and financing was never secured, they had no legal right to take possession of the vehicle. Despite this, on XX/XX/XXXX, the dealership illegally hired a repossession company to seize my vehicle. 

Legal Violations by XXXX XXXX XXXX. Theft by Conversion ( O.C.G.A. 16-8-4 ) The dealership unlawfully took possession of my vehicle and is refusing to return it or refund my payments, which qualifies as felony theft by conversion under Georgia law.

2. Illegal Repossession Repossessions can only be conducted by a valid lienholder, which XXXX XXXX was not. 
3. Fraudulent & Deceptive Business Practices ( O.C.G.A. 10-1-390 ) The dealership misrepresented their ability to secure financing and wrongfully took my money and vehicle.

4. Unjust Enrichment After I requested a refund, the dealership falsely claimed they could keep part of my payments due to my usage of the vehicle, which is not legally permitted when financing is rescinded. 

Requested XXXX I demand that XXXX XXXX immediately return my vehicle or issue a full refund of all payments I made. If they fail to comply, I request that the Georgia Attorney Generals office : Investigate XXXX XXXX for fraudulent and illegal business practices. 
Pursue penalties for violations of XXXX consumer protection laws. 
XXXX XXXX XXXX accountable for its wrongful repossession and failure to refund my payments. 

This dealership is engaging in predatory and illegal practices, and I urge your office to take action to protect consumers from further harm. 

I am happy to provide supporting documentation, including purchase records, payment receipts, communication with the dealership, and confirmation from the finance companies that financing was rescinded. Please let me know if you need any further information.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report regarding an account with Capital One. On XX/XX/year>, I requested a Form 1099-C ( Cancellation of Debt ) from Capital One after noticing that they reported the account as closed/charged off with a balance. However, my request for the tax form was refused, and I was advised to file a dispute instead.

The account in question is listed as a credit card, and it is currently showing as charged off on my credit report. Since this is a potential tax liability, I believe a 1099-C should have been issued by Capital One in accordance with IRS regulations XXXX 

I am requesting that you investigate this matter. If additional documentation is needed to support my dispute, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: U.S. BANCORP
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my 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 2025-02-05 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate charge-off reporting by Discover on my credit report. I have never received a 1099-C Cancellation of Debt form, yet the charge-off is still being reported on my account.

Issues with Reporting : 1. No 1099-C Issued : Under IRS regulations , if a creditor cancels a debt of {$600.00} or more, they are required to issue a 1099-C form for tax purposes. Discover has failed to provide this form, yet continues to report the charge-off, which raises questions about whether the debt has truly been forgiven or is being misreported.

2. Potential Violation of Fair Credit Reporting Act ( FCRA ) : Per 15 U.S.C. 1681s-2, creditors must ensure that the information they report to credit bureaus is accurate and complete.

If Discover has canceled the debt but is still reporting a balance or negative status without a 1099-C, this constitutes inaccurate reporting and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
Check that information due to Equifax data breach and the attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was notified that a collections account was added to my credit report, a major derogatory record. It shows an alleged {$180.00} unpaid debt, which wouldnt make sense given my flawless credit history and credit line extended. I have been living in the same apartment complex as of today and for the past two plus years. I have amicable relationship with management staff, with rent account thats current, and management staff has my up-to-date contact info. I can affirm, under penalty of perjury, that I have never received any communication about this alleged debt before this record shows up in my credit report, which is a clear violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I signed up for a Chase checking and savings account because of the bonus offered ( {$900.00} total ). 
XXXX XXXX XXXXoffer I got the bonus for the checking account no problem ( {$300.00} ). But I also followed the directions to get the savings account bonus ( {$400.00} + {$200.00} = {$600.00} total for savings bonus ). I haven't gotten the bonus. 
I messaged Chase and all Chase said was that the promo code applied only to the checking account but I opened them at the same time through the same link for the purpose of receiving this bonus so it should have applied to both. 
I followed all instructions and have kept {$15000.00} in the savings account since XXXX XXXX XXXX. It was deposited correctly, from XXXX. I sacrificed interest that amount of money could've been making in order to get the {$600.00} bonus, but now I don't have it. And I can't apply it to only savings now because if you receive a bonus within a certain amount of time it disqualifies you from receiving another bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 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: IL

Complaint narrative:
I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by re-inserting a previously deleted account without providing proper notice or justification ON XXXX. This action directly contradicts my rights under federal law and demonstrates Equifaxs ongoing pattern of noncompliance with credit reporting regulations, as highlighted in the recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors ). 

Violations Committed by Equifax Reinsertion of a Previously Deleted Account Without Proper Notification Under FCRA 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert a previously deleted account unless : The information is verified by the furnisher, and The consumer is notified in writing within five days of the reinsertion.

Equifax failed to provide me with this required notice, depriving me of my legal right to challenge the reinsertion.

Failure to Conduct a Proper Investigation The CFPBs enforcement action against Equifax confirms that the company routinely fails to properly investigate consumer disputes in violation of FCRA 1681i ( a ).

In my case, Equifax removed the disputed account, indicating that the information could not be verified. However, it was later reinserted without notice or further investigation, which is a clear violation of federal law.

Pattern of Noncompliance with CFPB Enforcement Actions The CFPBs recent lawsuit against Equifax highlights systemic failures in handling credit reporting disputes, including : Failing to conduct thorough investigations of disputed information. 
Reinserting inaccurate or unverifiable data without proper consumer notification. 
Causing significant financial harm to consumers by failing to correct errors. 
My experience aligns with these findings. Equifaxs improper reinsertion of a previously deleted account reflects the same reckless and unlawful behavior identified by the CFPB.

Impact on Me as a Consumer Due to Equifaxs unlawful reinsertion of this account : My credit score has been negatively impacted, affecting my ability to secure loans and financial opportunities. 
I was not properly notified, denying me the chance to challenge or verify the reinsertion. 
Equifaxs failure to comply with FCRA regulations has caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief