vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against MIDLAND CRED for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against MIDLAND CRED

fo r engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on
3/5/2024, MIDLAND CREDhas not provided any validation of the alleged debt. Premature Reporting to Credit Bureaus : Without providing the required validation information,
MIDLAND CRED

has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported. Use of False, Misleading, and Deceptive Means :
MIDLAND CRED has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. MIDLAND CRED

has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes. Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting
Debt Validation from MIDLAND CRED I am Requesting Purchase Agreement between MIDLAND CRED and the original creditor I am Requesting that MIDLAND CRED furnish proof that they are Licensed and Bonded Investigate the practices of MIDLAND CRED and enforce appropriate penalties for any violations of federal laws.

Require MIDLAND CRED to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that MIDLAND CRED removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent MIDLAND CRED from engaging in further communication with me through email/text/call.

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

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
DISPUTE WITH BARKLEY BANK - XXXX XXXX XXXX XXXX XXXX

VENDOR - 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.

DISPUTE TRANSACTION DETAILS:
1) CHARGED FOR MERCHANDISE NEVER PROVIDED.
2) COMPANY PROVIDED A FAKE TRACKING AND FAKE SHIPPING COMPANY.
3) COMPANY PROVIDED FAKE CONTACT INFORMATION - UNREACHABLE
4) COMPANY ADDRESS IS A FAKE ADDRESS.
5) COMPANY HAS "F" XXXX XXXX XXXX RATING.
6) XXXX XXXX XXXX WAS ONLY A COMPANY USED BY XXXX XXXX TO PROCESS PAYMENT.  VENDOR IS 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 monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I switched both my checking and savings account over to our XXXX XXXX on XX/XX/XXXX. I provided the notarized XXXX of XXXX XXXX and watched the banker upload the agreement to Wells Fargo. 
A letter dated on XXXX XXXX, XXXX, Wells Fargo informed me that due to anti-money laundering laws I was required to bring a Certification of XXXX XXXX, notarized to a branch office. It warned that in 20 days ( if you have direct deposits for your account, which I have multiple direct deposits ) that it would close my accounts. 20 days from XXXX XXXX is XX/XX/XXXX. 
I got the required form from the bank on Wednesday, XX/XX/XXXX. I filled out the form and got it notarized at another bank because Wells Fargo doesn't have a notary on staff and turned it in on XX/XX/XXXX. That same day both my Checking and XXXX accounts went to {$0.00} without warning. There was never an email, or a phone call. I spoke with the same banker, he gave me another form to fill out to reopen the account and get it fixed. Friday XX/XX/XXXX I received an email saying both accounts are closed. Not able to get ahold of the banker and not answering emails. Multiple calls to Wells Fargo I elevated it up to the XXXX and the best they can tell by their information is that a check is being sent, takes XXXX to XXXX business days to send the check and to allow XXXX business days after that to get your check due to speed of post office. They can't tell me if or when the check was sent, a tracking number to know when it's getting here. This is XX/XX/XXXX, still a day before the deadline in the letter that they said would close out the accounts and after I went in the bank and submitted all the required forms and information. It is downright criminal to close out an account and take this long to get the funds back to me without knowing if or when it is coming. I have checks written for paying off bills that are bouncing and need to make payments and feed my kids. I'm just supposed to wait by the mailbox for XXXX business days + XXXX business days for it to arrive which could be a total of 22 days since the account was closed. Downright criminal 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
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The XXXX XXXX XXXX has continued reporting incorrect information to credit Companies 's. With different disputes on two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exsperian, XXXX.. incorporated information which for over 90 days which has has my account in the negative I'm bein denied for credit ..after investigation dispute ll Received A Letter from fXXXX XXXX XXXX . Apologizing for the inconvenience they have caused this letter came XX/XX/year>. Passed l don't owed XXXX XXXX XXXX. Which the Letter attached below is proof of this continuing disputes.

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against SELF FINANCIAL INC / LEA for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against SELF FINANCIAL INC / LEA for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/year>, SELF FINANCIAL INC / LEA has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, SELF FINANCIAL INC / LEA has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : SELF FINANCIAL INC / LEA has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. SELF FINANCIAL INC / LEA has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes.

Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from SELF FINANCIAL INC / LEA I am Requesting Purchase Agreement between SELF FINANCIAL INC / LEAand the original creditor I am Requesting that SELF FINANCIAL INC / LEA furnish proof that they are Licensed and Bonded Investigate the practices of SELF FINANCIAL INC / LEA and enforce appropriate penalties for any violations of federal laws.

Require SELF FINANCIAL INC / LEA to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that SELF FINANCIAL INC / LEA removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent SELF FINANCIAL INC / LEA from engaging in further communication with me through email/text/call.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have recently did a dispute with this company and they have failed to remove the account. I have a letter from a judge stating that they have to dismiss the dispute without prejudice due lack of prosecution. This is affecting my credit to where i can't buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had a Capital One credit card that had a balance of like {$2000.00} or something like that and this woman I was seeing said she needed to use my credit card to make a payment so she was going to pay off the balance on my card and then put the money which she did, my balance was XXXX  out and it said payment had gone through. So I was like okay cool. Three days later I get a report saying that the money has been with drawn or it didn't post so now I'm responsible for the XXXX  that was in there plus the XXXX  that this lady said that she was going to make her son 's college payment with or some XXXX  and Capital One did absolutely nothing to help I've never been so disgusted in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A couple of days ago I filed a request for " Consumer Privacy Report '' / " personal data management request '' so that i could view and download what data they have collected on me.

Today they emailed me that the request was completed and provided a link to allow me to download - however any attempt to do so or even to sign in on their website results in an error page claiming " We were unable to authenticate your identity. '' I believe this false error is simply a tactic to keep consumers from having access. Searching online shows this problem is prevalent for some years now. I even tried using a different web browser.

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 2024-05-19 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: MD

Complaint narrative:
I am promised accuracy on my consumer credit report by federal law. Exquifax continues to report inaccurate and fraudulent information on my consumer credit report All verified information must be promptly removed as you can see in your system you can not verify these accounts. Equifax has valid my customer rights and caused damage to my ability to extend credit due to these fraudulent accounts. Federal violations committed by Equifax are as follow 15 usc 1692j, 15 usc 1692d, and 15 usc 1692f,. the following account are not accurate XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) XXXX XXXX  Reported : XX/XX/XXXX - {$140.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$140.00} Highest Balance {$140.00} Opened XXXX. XXXX, XXXX ( 1 yr, 1 mo ) This is another attempt to have these errors corrected on my consumer reports under 15 USC 1681 and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : CONCORA CREDIT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Opening Date : XX/XX/2023 Complaint Details : Subject : Billing Error Complaint Pursuant to 12 CFR 1026.13 ( a ) Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a billing error with the account I have with CONCORA CREDIT/INDIGO. Please find below the relevant facts and details pertaining to my complaint : Account Opening : The account in question was opened in XX/XX/2023 with CONCORA CREDIT/INDIGO using my personal identification and credit card information, as defined in 15 U.S.C. 1602 ( l ).

Definition of Account : As per 12 CFR 1002.2 ( a ), an account refers to an extension of credit. In relation to an account, the term 'use ' refers only to open-end credit.

Payment History : Since the account opened in XX/XX/2023, I have consistently paid a monthly bill to CONCORA CREDIT/INDIGO online using my personal debit card information.

Receipt of Statements : I have received several statements from CONCORA CREDIT/INDIGO, which include attempts to collect an alleged debt for the account number XXXX XXXX XXXX XXXX. 

Billing Errors : I have reason to believe that all past, present, and future billing statements received from CONCORA CREDIT/INDIGO constitute billing errors under 12 CFR 1026.13 ( a ). This belief is based on the fact that these errors date back to the account opening in XX/XX/2023. 

Request for Resolution : I kindly request the CFPB to investigate this matter and direct CONCORA CREDIT to : Correct the billing errors on my account.

Cease any further collection efforts related to the alleged debt.

Provide a detailed explanation and resolution to the billing errors identified.

I have attached copies of relevant statements and correspondence for your review. Your prompt attention to this matter would be greatly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX Attachments : Copies of billing statements Copies of correspondence with CONCORA CREDIT/INDIGO

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to TRANSUION on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX, XXXX, KIKOFF XXXX XXXX XXXX, XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TRANSUION really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

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 2024-05-19 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: CA

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I cashed a 3rd party check that was signed over to me for the amount of {$18000.00} and there was a 10 day hold put on it. 2 days prior to the hold being lifted chase informed me that my account will be restricted if they can not verify the checks original payee prior to them signing it over to me. They need a verified number but the number I give which belongs to the person they need to speak to, they say is not verified in his name. They wont release the funds or the restriction placed on my account.

Company response to consumer: Closed with non-monetary relief