vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Regions Bank over the phone on XX/XX/year> and funded the account remotely with {$50.00}. A week later, my account was automatically closed ( without warning or a way for me to withdraw my funds first ). I called their customer service who redirected me to the branch, who said my account was closed due to needing additional address verification ( they should have asked for this BEFORE opening my account ) and that a check with my balance would be mailed to me. 

A bit over a month later I realized the check did not arrive. I had temporarily relocated by that point and asked the branch via phone if they could send a new check to my new address. They said I had to come into a branch to do that, but there are no branches in my new state. Eventually they agreed to send a new check out to my initial address. After another month it still did not arrive at the old address ( my sister was getting the mail ), and so I called the branch again. After a long call they said they contacted the corporate office and found that the check was lost in the mail, and they would submit a stop payment request to reissue another check. After another month I still did not get the check, and called the branch again. They said they called corporate and found out the second and third checks didn't even get sent out ( so the previous calls were misinformation that caused me to needlessly wait ), and that I needed to submit a stop payment form in order for a new check to be issued. The form they gave me had a lot of fields I obviously wouldn't be able to fill out ( like the check number, and other internal recordkeeping ) and so I again asked the branch about this. They eventually called corporate and said actually that form won't work ( i.e., another call was misinformation ) and that I would need to call the general customer service number, ask them to mail me the form, and then I would have to mail it back. I called the general customer service number and they said my information is no longer showing up in their system and that I would have to work with the local branch. 

I am being misled and redirected over and over again with no end in sight. 

In all, Regions Bank has been holding onto my money for several months after they abruptly closed my account, and has caused me to waste several hours on the phone with them trying to get it back.

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NE

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I went to XXXX XXXX to receive XXXX XXXX We agreed on an amount of {$10000.00} Total. My insurance would pay {$2400.00}, I would pay {$4100.00}, and I would get a {$4100.00} discount. The reason for the discount was that my wife worked for XXXX XXXX, and as a family member, I would receive a XXXX  % discount. We agreed and started the treatment. I always paid for any treatment I received that same day. When I returned for the second part of the treatment, I was told by the XXXX XXXX XXXX XXXX that they had made a mistake and at this point, since my wife no longer worked there, they could not honor the 50 % discount, although we had already agreed and I was giving a treatment plan by them and started the treatment. They wanted to give me a new price of {$6400.00} that I would pay, and my insurance would pay an additional {$1600.00}. This was aside from the fact that I had already paid over {$1500.00} for the first part of the treatment. I told them I would not be paying the new balance and left the office. A few weeks later, I started to receive bills with multiple discrepancies from XXXX XXXX. I called to ask what these bills were for. I was told that they were charges from past treatment I had received, and they went back to remove the discount. I then went on to receive a bill of {$1000.00} on XX/XX/XXXX. This was followed by another bill of {$2500.00} for the next couple of months and then a statement stating I had a XXXX balance on XX/XX/XXXX. I asked them to break down the payment of what I was being charged, but they would just send me bills with no explanation of what they were charging me for. I refused to pay them as I always carried a XXXX balance, and as of XX/XX/XXXX, they are sending me to collections through Fidelity Creditor Services. I requested a debt validation from Fidelity Creditor Services along with a breakdown of the amount they are charging me, but they can not provide it for me. They sent me a treatment plan and my treatment history with some payment history as well, but none of it is legible. Everything is blurry, and they still have not provided a breakdown of the charges. As of XX/XX/XXXX, I have sent a second request for validation and a breakdown of charges ; I will be waiting for their response. I would like to have this cleared as I've been struggling to clear this issue for years now, I should not be paying XXXX XXXX anything because I never had a balance and always paid for my treatment before receiving said treatment. It is not my fault, and XXXX XXXX should take full responsibility for their mistake and not try to put the burden on me. I have covered some personal information in the uploaded documents to protect my health privacy.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-20 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Experian Information Solutions 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 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 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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportInform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Company Involed Midland Credit Management XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are 3 addresses showing on my credit report. I currently live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not lived at the other addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXXXXXX in over 15-20 years and these addresses need to be removed from my report. In addition there's an account that has been closed for 8 years and still showing on my report XXXX XXXX XXXX. The balance is XXXX and it's paid in full. I would like to have this removed as well. I voluntarily closed my acct ( XXXX XXXX and left it with a XXXX balance. Is it possible for me to have this removed as well?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are 3 addresses showing on my credit report. I currently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have not lived at the other addresses XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX, XXXX  XXXX in over 15-20 years and these addresses need to be removed from my report. In addition there's an account that has been closed for 8 years and still showing on my report ( XXXX ). The balance is XXXX and it's paid in full. I would like to have this removed as well. I voluntarily closed my acct ( XXXX  ) and left it with a XXXX balance. Is it possible for me to have this removed as well?

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 2024-12-20 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable  items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: FL

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 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 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 2024-12-20 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:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
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 XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from 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 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have never used Capital One but yet they are on my credit report and hit me and docked me XXXX points on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I've never received a 1st letter stating a court date, but I received a letter saying I didn't respond the first time and that further action will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Im very upset to find unauthorized entries on my credit report today. Refreshing my browser did nothing to resolve this. Please check the documents Ive sent and address this issue immediately to prevent further distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was scammed by my Realtor, XXXX XXXX XXXX, he make me send a wire transfer ( and he said it has to be wire ) for a home purchase, as soon the wire arrived to him, he blocked me from XXXX  and now its gone. 

i hired a lawyer and submited an XXXX case, now i know he is a well know scammer and scammer other people also. 

inside the attached XXXX claim, you can see the 2 disputed wires, scammer 's data including his SSN and driver 's license. 

i have the chats from him as evidence, now he is gone with my {$60.00} usd

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I recently disputed the inaccurate information on my credit report, but only a handful of items were even looked into and removed. The fact remains, there are still multiple false accounts listed that are severely damaging my credit and wreaking havoc on my financial well-being. This needs to be addressed 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 2024-12-20 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-20 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: AZ

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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