vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 XXXX 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 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 XXXX 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America froze my account to only be able to receive deposits on XX/XX/year>. 
They did not send an alert. They did not send an email. They did not call. They let no one know they just froze the account. Then when I go to move funds I'm unable to and they putting me through the wringer to get my funds dispersed. When the funds are legitimate and there is absolutely no reason for them to have put my account in credit only status. Now my payroll will bounce and I'll be forced to wire and charged {$60.00} a week to run payroll for having to submit a wire. This is absolute scam. 

XXXX XXXX confirmed multiple times they

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a debt collection representative of Crown Asset Management LLC, called asking for information and location information on me to a family member He was told by family member that they could not verify any information. He hung up ; However, a few minutes later he called again and stated that he knew this family member knew where I was and to just tell him in a threatening and harassing tone repeatedly to try to intimidate information from here. He also did not want to let family member off the phone with out location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Account Info : XXXX Date Opened XX/XX/year> Dear National Credit System, I am writing regarding the above-referenced account. This letter serves as formal notice that I am requesting you cease all communications with me regarding this account, effective immediately, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). While I am requesting that you cease direct communications, I am also requesting that you upload the following additional information to the Consumer Financial Protection Bureau ( CFPB ) portal to ensure the accuracy of my records : Date of Last Payment Date of First Delinquency Date of Charge-Off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-12 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-12 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: SC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
I was using square payment process as to process payments that i was receiving with respect to my business, i had it connect to my website, so consumers can go to my website and pay conference fees. 

XXXX XXXX had initially contacted me and asked me to provide information to verify that the site was legit, and what i was collecting funds for, i directed to the website and also uploaded a flyer describing the conference. Also, the business is registered with the state of Florida under XXXX. and it also has an XXXX. 

I was not given any information as to why the deactavated my account, other than they can not support my business any longer. 

In addition, The are holding monies that I have collected as deposits from individuals, that are needed for conference scheduled in XXXX of XXXX. The funds have cleared the account, and I have left it sitting in my account for XXXX  months. I went to use the debit card to purchase items for the conference from XXXX store in the amount of {$32.00} They are advising me that they are holding all monies in the account until XX/XX/XXXX of XXXX which is unlawful for them to hold these funds, especially since they had been in my account since early XXXX XXXX the amount is {$420.00}. 

Please help me in getting my funds released to me so I can transferr into my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
RESURGENT/LVNV FUNDING appeared on my credit this debt is not mine. looks like I am a victims of fraud or Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CT

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Subject : Cease and Desist Request for Account XXXX Dear Discover Bank, I am writing concerning the account referenced above. This letter serves as formal notification that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to request that you immediately cease all communications with me regarding this account. 

Additionally, I am requesting that you provide the following information through the Consumer Financial Protection Bureau ( CFPB ) portal to ensure accuracy and transparency : Date of Last Payment Date of First Delinquency Date of Charge-Off This request is made in good faith to verify the information being reported about this account. I expect that you will comply promptly and provide the requested details through the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent XXXX letters dated XX/XX/year> and XX/XX/year> requesting this company validation of the debt they have reported that I owe them. I have the right under your CFPB s1006.34 to request them to validate with written evidence and the company has failed to provide me and or the credit bureaus with this. On XXXX, these accounts were deleted because they couldn't provide any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-12 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:
its very upsetting and has left a disturbing and distained feeling after viewing my credit report and seeing several fraudulent items on my report as an act of identity theft. a comenitybank card, apple card, cbna card and embark card, i did mot authorize these accounts, and they were updated to my credit report without my knowledge or permission. under 15 US code 6802, financial institutions are required to protect my personal and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within XXXX  days of you receiving this complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NJ

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX  ( Account Number XXXX ) regarding their inaccurate and potentially unfair reporting of a collection account on my XXXX and Experian credit reports. I dispute the validity of the debt for the following reasons.

Unawareness of the Debt : I was never made aware of this alleged debt prior to it being reported to the credit bureaus. My rights as a consumer under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) were not honored, as I was not provided with proper initial communication detailing the debt, including the amount owed or the creditor to whom it was owed.

Lack of Opportunity to Dispute : Under the FDCPA, I have the right to dispute a debt within XXXX  days of receiving initial notice from a debt collector. Since I was never contacted by XXXX XXXX XXXX  and never received any notice of the alleged debt ( such as a " dunning notice '' ), I was denied my legal right to dispute the debt as required by law. Their failure to notify me means any reporting of this account to the credit bureaus is unlawful.

Failure to Accurately Report to Credit Bureaus : Per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and debt collectors are obligated to ensure that any information they furnish to consumer reporting agencies is accurate. Because I was not notified of the debt and I question its validity, XXXXXXXX XXXX XXXX may have furnished inaccurate or unverifiable information in violation of the FCRA. 

This inaccurate and unverifiable account has negatively impacted my credit scores and created ongoing stress, as I did not have the chance to address it before it was reported. This also affects my ability to access fair lending opportunities. 


Desired Resolution : I request that XXXX and Experian conduct a thorough investigation under the FCRA to determine the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX Account Number XXXX ). If they fail to produce sufficient and verifiable evidence of the debt, the negative account must be immediately removed from my credit reports. 


I have attached copies of my current XXXX and Experian credit reports showing the " XXXX XXXX XXXX '' account in question. I also attach this formal dispute to both XXXX and Experian. 

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution of this complaint.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I received a call from Wells Fargo asking me to bring documentations proving my identity. I received a XXXX notice through mail on XX/XX/year> and set up an appointment to see a banker on XX/XX/year>. The banker I spoke to, XXXX XXXX ( NMLS ID : XXXX ), assisted me that day and I handed her my Driver 's License and SSN card to make copies. She did not make copies for either of them, I even asked XXXX  if she needed to make copies and she said there was no need. After she was done, she said everything was done and that I was free to go. 

On XX/XX/year>, I realized I could not deposit checks to my account nor could I make payments through my checking account. And so, I booked an appointment to see a banker on XX/XX/year>. I was helped by XXXX XXXX, and he told me the previous banker did not submit any of my documentations to WF. So he did all the necessary procedures like scanning my ID cards and called the back office for me. They told him my account would be ready to do payments and deposit checks in the next XXXX hours. 

Today, I woke up this morning and found out that my accounts were all CLOSED. I called the number on the letter I got from WF and they claimed that they could not help me reopen my account and does not know if the documentations were being processed. NO ONE COULD HELP ME. Also, if the first banker, XXXX XXXX, did her job, I wouldn't have my account closed! 

This complaint letter is mostly for XXXX XXXX with her lack of ability to help resolve my issue which caused a domino effect in all my payments and other transactions affiliated with my bank account. 
Second, this complaint is for the customer service line of WF ( XXXX ) for their lack of knowledge and willingness to help me resolve this issue. No one could help me find out why my account was closed and if the process of verifying my ID was in process. 
My call to this number was on XX/XX/year> at XXXX. I spoke with a banker named XXXX and his upper management 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 2024-12-12 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: MS

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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