vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Comenity, as my credit report showed I was 60 days past due. Comenity determined they were not using my correct address, told me to dispute the late status with the credit agencies, so they could correct. I asked them for a letter, they said no. So I disputed at their request. 

Additionally, on XX/XX/XXXX I made a payment of {$320.00} on the phone with their customer service, providing account number and routing. 

XXXX of my reports ( XXXX and XXXX ) corrected the late status. 

On XX/XX/XXXX, Comenity contacted me, told me my payment was returned by my bank, no account found. I asked the customer service rep for the account number they used- it was incorrect and did not match what I provided them. So again, I made the {$320.00} payment. 

On XX/XX/XXXX Comenity reported me 90 days late and said that my payment hadnt posted yet. 

I demanded they correct this, I made the payment, and through a comedy of errors on their behalf my credit was seriously damaged. I lost XXXX points on my credit score. 

They said they would do an investigation, but refused to share the recordings of the phone calls with me. This is absolutely unacceptable. They are doing an internal investigation of themselves, and not sharing copies of calls that support my claim. Of course they will vindicate themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: CA

Complaint narrative:
The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 seven 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 2024-04-21 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: TX

Complaint narrative:
Ref : Wells Fargo & Company and Wells Fargo Bank libilitIy settlement for fraudgelent Accidental Death policies to custermers. 

I received a letter from Wells Fargo customer Care in XX/XX/XXXX stating that I was enrolled in an Accidental Death Policy product in XXXX through XXXX. An ambiguous question was asked about the enrollment and a XXXX number was given to call if there was questions. I called, and after the 3rd call I was told I would be receiving ompensation for the monthly funds taken from my checking account. 

In XXXX I recieved a check. However, the check was issued to myself and my x-husband. I contacted the custermer service several times and asked for a replacement check. I tried to explain that the checking account the funds were extracted from was in my name only, also I was devorced in XXXX. They insisted that the signature of my X was required and they would not replace the check. I went to a local branch and the custermer service agent and manager denied any knowledge of the WF scandal. After confronting them for severaly minutes, they stated they would email my concerns to the WFCSC stating my concerns and with verification that I was only listed on my checking account and to please re-issue the check. They did not cc my emIL. I called the WFCSC again and the agent hung up in my face. 

The funds for this so called accidental adeath policy were extracted from my personal checkibg account. I have no knowledge of the policy or even know if it ever existed. I have been a customer of WF for over 20 years. I want my money. 

Attached : 3

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 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.

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 2024-04-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CITICARDS CBNA ACCOUNT # XXXX REPORTED XXXX DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Thank you.

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 2024-04-21 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: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I don't believe that I owe Spring Oaks Capital LLC what they say I owe. I've never done business or heard of that company until they reached out to me via email on XX/XX/2024. I reached out to them via certified mail asking for debt validation documents such as a purchasing agreement, licenses to collect debt in the state of Pennsylvania, chain of custody for this alleged debt, for them to identify the original creditor, for them to provide papers showing that I agreed to pay what they say I owed etc. I was never provided with these documents. I know that its my right and the law to have those documents if I request them. This collection account is also reporting as an " open '' status on my report. I also know by law that collections are NOT to show a past due balance or an open status. These inaccuracies are very concerning to me because I only wish to have accurate information being reported about me and want these inaccurate items to be removed from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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:
I recently signed up with the 3 consumer reporting agency's- XXXX, XXXX, and Transunion to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer.

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}

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 non-monetary relief
Consumer complaint received 2024-04-21 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 recently signed up with the 3 consumer reporting agency's- XXXX, Equifax, and XXXX to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer.

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Thank you for taking helping out with my business account, I was advised last time my account would be modified to not allow transactions to post if there was not enough funds.

However that doesnt seem to be the case as I was assessed six ( 6 ) overdraft fees of {$35.00} each totaling {$210.00} I am please requesting for these fees to be waived as I was promised transactions wouldnt post if there werent funds yet its happening

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 2024-04-21 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: WI

Complaint narrative:
XXXX  credit reporting company name is XXXXXXXX XXXX XXXXXXXX XXXX iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years ago... The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies

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 2024-04-21 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: WI

Complaint narrative:
Exsperian credit reporting company name is XXXX corporate fetti webbank iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years agoXXXX The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : Portfolio Recovery Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I consolidated a loan I held with Navient through the Department of Education. On XX/XX/2034, {$13000.00} was applied to my Navient account and the loan was paid in full. My account was left with a positive balance of {$400.00}. I called Navient on XX/XX/XXXX to inquire about a refund and was told it would be sent directly to my new servicer. On XX/XX/XXXX my account shows an adjustment of {$400.00}, how this amount has not been sent to my current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
Equifax is using a completely wrong information to generate a credit score which is ilegal since I am acknowledging that is not my SSN. That should be taken down no matter what. I dont want to have them report any score not even my personal score. I just need it to be taken down is affecting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
Notice : This is not a duplicate filling please read!! 

I am submitting a unique complaint against Self Inc. for the negative reporting of a charge-off on my credit report and their failure to provide Form 1099-C and proof of canceled debt. Self Inc. reported a charge-off of {$800.00} on my credit report, adversely affecting my credit score. Despite disputing the charge-off and providing evidence supporting the successful resolution of the dispute, Self Inc. has failed to update the information on my credit report accordingly. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681s-2 ( a ) ( 1 ) and 1681i ( a ), which mandate accurate and up-to-date reporting by creditors. 

Moreover, I requested Form 1099-C and proof of canceled debt from Self Inc. over a year ago, but they have not complied. The failure to provide this documentation violates IRS regulations ( 26 U.S. Code 6050P ) and raises concerns about their transparency and compliance with consumer rights.

In addition, pursuant to my rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I hereby exercise my right to opt-out entirely from any sharing of my personal information with Self Inc. , including reporting information on my credit report. I request that Self Inc. immediately cease all reporting of information on my credit report.

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take immediate action to ensure Self Inc. complies with FCRA regulations, ceases all reporting of information on my credit report, and provides the necessary documentation, including Form 1099-C and proof of canceled debt. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and ensure a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: TN

Complaint narrative:
I am filing this complaint because I have disputed an account with EQUIFAX several times to no avail. The account I have disputed has been countlessly verified as accurate when in fact the account is incomplete and inaccurate. I have given EQUIFAX detail and even circled the blatant inaccurate information on the account with red ink while also highlighting other inaccuracies. The account they continue to verify is from a company called XXXX XXXX XXXX EQUIFAX is in violation of 15 USC 1681e ( b ). I am requesting a detailed description per 15 USC 1681i ( 6 ) ( b ) ( iii ) on how they continue to verify the erroneous account. It is driving me crazy, and I want answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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:
XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX  took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/year> 2024

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 2024-04-21 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: CO

Complaint narrative:
XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/2024 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