vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, Discover Bank, XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
The CREDIT ACCEPTANCE account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.

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 2023-12-02 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: IL

Complaint narrative:
THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO.

PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE.

IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: DC

Complaint narrative:
On XX/XX/2023 I placed an order with a customer service representative at XXXX XXXX for XXXX XXXX Jacket XXXX and the price was {$79.00} and the total price was {$100.00} but I received a message card company that the transaction was unsuccessful and for me to contact the merchant but, when I called back they were closed. They charged me {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo consistently picks and chooses what they will allow to come through when my balance is insufficient and is usually the higher dollar amount rejecting the lower dollar amount and then assessing multiple overdraft fees wiping out my check. I authorize overdraft for emergency situations when I need groceries or other items and I am short on funds but feel that Wells Fargo is in violation and using the higher amounts coming through to ensure their overdraft fees knowing I am unable to come up with the amount. Allowing one to come through, rejected two then allow another high amount to come through. My account is {$390.00} in the red with 3 overdraft fees assessed after allowing a large phone payment, a loan at {$100.00} to come through yet rejecting payments on loans while allowing the subscription fee to come through. I am sick of large overdraft due to how they choose to process and am looking to get a new bank as I now won't have money to pay bills that I needed paid this payday due their processing. This has to be illegal as I would never agree to allow {$200.00} + to be approved in just a few transactions and XXXX + overdraft. The extra day grace period is a joke as I can't come up with over {$200.00} between pay days and they know this. I am done and want this resolved. XXXX XXXX was willingly done on my part due to the threat of cancellation XX/XX/24 {$170.00} as it wouldn't be that much over, however they allowed XXXX XXXX charges to come through {$23.00}, {$13.00} and {$29.00}. An amount of a loan {$100.00} on XX/XX/24 and {$5.00} membership fee for XXXX yet rejected the repayment of {$53.00}. Recently allowed XXXX XXXX through for {$7.00} when my balance in the red over {$300.00} due to the XXXX {$35.00} fees assessed for the membership fee, XXXX and the {$100.00}. also rejected XXXX for {$55.00}. This is not good practice and they know a customer can't come up with that amount between pay days.

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 2023-12-02 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: IL

Complaint narrative:
THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: IL

Complaint narrative:
THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.

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 2023-12-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has violated my rights. 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 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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I had an account with Fortiva, which is the company that I pay for my home security equipment. They opened a credit card in my name without my permission, saying they had sent me a notice on XX/XX/XXXX that I had 45 days to opt out of this credit card. I didn't receive this notice, but it's an extremely deceptive business practice! I searched through junk mail and my focused inbox and there was NOT an email from them. I called them and this was their explanation. I told them to cancel this card IMMEDIATELY, which they said they did. Because they opened this credit card ( without my knowledge ) my XXXX credit score went down. I told them to rectify this with the credit bureaus, but they refused. This is outrageous! I did file a dispute with the XXXX credit bureaus, but my score didn't increase. I have worked so hard for years to get my score past XXXX and this SCAM greatly affected my score. I contacted them on XX/XX/XXXX. Below is their response : *************************************************************************************************** Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that your Fortiva XXXX XXXX XXXX XXXX account was upgraded to Fortiva XXXX XXXX account since your Fortiva retail account was in good standing. Please be advised that the change in terms email was sent to you on XX/XX/2023 and you had an opt-out option of 45 days if you had wished to reject these changes. Since the opt-out option was expired, your Fortiva retail account was systematically converted to Fortiva XXXX XXXX account and your previous balance was transferred as well. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 

Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. 
*************************************************************************************************** THIS IS FRAUD!!!!! I believe I was targeted as a single, older female.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-02 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:
My info was sold and bought illegally because I was a victim of the Equifax datd breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit. Also I called Equifax in regards to clearing my debts multiple times, and Equifax did nothing to help me, and raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has a closed student loan account that is reporting inaccurate information on my credit file. The account that is closed is in the amount of {$2300.00}, this is inaccurate as I have no loans in that amount. When I refi the student loans with XXXX all the loan amount were included does not have the amount Reported by the This accounts is inaccurate and it violates consumer law statute. The statute that was violated is 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n

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 2023-12-02 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE CREDIT CARD I HAVE INQUIRED THREE DIFFERENT TIMES ABOUT INTEREST AND MINIMUM PAYMENT REDUCTIONS ( MOST RECENT XX/XX/23 ) THEY OFFER HELP AT A HUGE RISK. THEY WILL NOT REDUCE INTEREST, THEY WILL HOWEVER LOWER YOUR MONTHLY MINIMUM PAYMENT, IF THEY DO THIS YOU WILL BE CHARGED LATE FEES, RESPONSIBLE FOR PAYING BACK WHAT YOU COULDN'T PAY AND BUY THIS TIME YOUR MINIMUM PAYMENT IS ALMOST TRIPLED. MINIMUM MONTHLY PAYMENT IS XXXX TO XXXX ROUGHLY A MONTH. THEN WHEN INTEREST IS CHARGED IT IS A WOPPING XXXX TO XXXX ( ROUGHLY ) SO IF YOU CAN ONLY AFFORD TO PAY YOUR MINIMUM PAYMENT ONLY ABOUT XXXX GOES TO PRINCIPAL. I UNDERSTAND APR 'S AND SUCH BUT THERE NEEDS TO BE BETTER PROGRAMS FOR HARWORKING PEOPLE WHO PAY THEIR BILLS ON TIME AND WHO ARE LIVING IN AN ERA WHERE INFLATION IS THE NEW NORMAL. CAPITAL ONE IS A HUGE BUSINESS HOW ARE PEOPLE EVER GOING TO COMEBACK TO A NORMAL AVAILABLE CREDIT LINE IF SO MUCH GOES TO INTEREST AND YOU CAN ONLY AFFORD THE MINIMUM PAYMENT IF THAT SOME MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Reporting closed accounts to my financial bureau which caused my credit score to decrease. My credit score decreased XXXX points without any detailed information of why...

Company response to consumer: Closed with explanation