vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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, XXXX XXXX, authorized this dispute to address numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws that have occurred in my case. These violations stem from the mishandling of my credit report, unauthorized inquiries, and the reporting of inaccurate information. Here 's a summary of what transpired : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without first verifying its accuracy. This constitutes willful noncompliance and carries potential civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of the sharing of my personal information, which is a direct violation of the law and my consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were furnished to my credit report without proper validation, leading to deceptive reporting.

Debt Collection Practices Act Violations : Unfair practices, including reporting inaccurate debts without my consent, caused unnecessary distress and harassment through improper contact by creditors.

Improper Disclosure of Debt Information : My debt information was shared with third-party credit reporting agencies, violating regulations that prohibit disclosing debt details to unauthorized parties.

Inaccurate Late Payment Reporting : Late payments were reported on my credit report without a clear definition or proof of what constitutes a late payment, leading to deceptive practices.

Incorrect Finance Charge Determinations : Finance charges were inaccurately determined, violating responsibilities outlined under consumer credit laws.

Reporting Without Permissible Purposes : Information was reported on my credit report without my written consent, contravening permissible purposes established by the FCRA.

Demands for Resolution : I have specifically identified accounts and inquiries where the violations occurred. For each instance of inaccurate reporting or unauthorized entry, I am demanding immediate correction or deletion. I have also cited specific U.S. Code laws relevant to each violation, including : 15 U.S. Code 1666c : Prompt and fair crediting of payments.

15 U.S. Code 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S. Code 1681n : Civil liability for willful noncompliance.

15 U.S. Code 1692g : Validation of debts.

If proof of accuracy can not be provided for late payments or other discrepancies, I expect the accounts to be updated to " paid as agreed, never late. '' Unauthorized and inaccurate accounts, inquiries, and debts should be removed immediately.

Failure to resolve these matters will leave me no choice but to pursue legal action under the protections and remedies available through the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XXXXXX/XX/year>

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over the years that I have been banking with Wells Fargo, I have complained multiple times about the delayed communications with their customers. In the past, when they acknowledged and validated that their communication system caused the issue, they would reverse the fees. However, management has removed that option from the escalation team and left them with the only option available : to file a complaint. 

When I receive notifications that my account is negative, I immediately make a deposit to cover the funds. Even though the deposit is made on time, the bank continues to charge me an NSF fee. I have made multiple calls complaining about this issue, and all they could do was file a complaint. Instead of finding solutions, Wells Fargo tightened its procedures, which complicated the process and discouraged customers from getting their money back. 

I am ready to leave Wells Fargo because of the unfriendly customer service. Instead of helping customers, the bank is finding ways to take money from their customers by charging fees that do not make sense. It is wrong!

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 2024-12-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-06 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Card Company continues to contacted me before XXXX. I've asked them to stop calling, and they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I've called the company and emailed the company proof that the debt is not owed. I've sent debt verification letter with no response..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Complaint regarding Specialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX Mortgage Servicing, City of Industry, CA I prefer to defer real estate taxes as I can make more investing the money than the interest charges. Specialized Loan Servicing improperly established an unwanted escrow, agreed in writing to close the escrow, but refuses to actually do so. 

On XXXX XXXX XXXX  they mailed a demand to pay defered taxes. ( Attachment 1 ) The taxes were promptly paid as requested on XXXX XXXX XXXX ( Attachment 2, payment posted on XX/XX/XXXX ) None the less, XXXX XXXX paid taxes for the following year, which were not yet due, and then established an escrow. When I learned of this, I spoke to a helpful XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX Although XXXX XXXX should not have paid taxes in advance, I agreed to reimburse the money they advanced, and the representative agreed to close the escrow. ( Attachment XXXX ) The reimbursement was promptly sent. ( Attachment 4, posted as XX/XX/XXXX ) I then received WRITTEN COMFIRMATION OF ESCROW CLOSING dated XXXX XXXX XXXX. ( Attachment 5 ) However, XXXX XXXX still refuses to close the escrow and is improperly diverting my principal and interest payments. This non-interest bearing account operates solely to the benefit of XXXX XXXX. Further, by improperly diverting my payments they are reducing the amounts paid to principal and interest thereby extending loan payments to their benefit. 
They refuse to close the escrow, which they have agreed in writing to do. With my refusal to pay this improper charge, the are now falsely claiming that my mortgage payments are late which has dropped my XXXX XXXX by XXXX points. ( Attachment 6 ) My mortgage payments are sent regularly by my bank and have never been late. ( Attachment 7 )

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am experiencing ongoing harassment with Equifax Credit Agency. This Agency is highly unprofessional and really sucks! I contacted Equifax at XXXX on XXXX  from XXXX XXXX to XXXX XXXX. I completed a through identity verification with Equifax Customer Support rep name XXXX XXXX or XXXX. The represented refused to update my address. The representative falsely accused me of not submitting a previous dispute on XX/XX/year>. I am very upset. I uploaded my recent pay stub and current XXXX XXXXXXXX document that proves and displays my current resident address. 

EQUIFAX XXXX  The agency does not follow Federal Regulations outlined for consumers. I'm really XXXX right now! I am not going to continue to repeat myself. Also, I have never placed a XXXX XXXX on any of my XXXX Profiles. This is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi I've had my business account for over 5 years. I have recently turned to private investors to fund my business and school I am opening and hair care product line. I had previous checks that have not been under scrutiny. I recently deposited a check it cleared my account XXXX. Partial funds were originally set to release but extended was placed on check until receiving bank pays, which did clear. When I went to my online banking my account was locked and when I spoke to risk management and managers I keep getting XXXX information regarding why and no notes on my account stating exactly why account was scheduled to close XXXX XXXX 2024 except someone in risk management thought check was altered in some way but could not tell me how. Everytime I spoke with a manager I asked to have calls reviewed because reps had told me other info each time I called. No manager offered an apology or even said they would listen to the calls. I informed I wanted to file a complaint but I was told they would note my account. After speaking to 2 hire up managers which both told me 2 different things and outcomes, I was told they would close my account and send funds then told I wont get funds and they will hold them until they see what needs to be done. My Rent, payroll, contractors that are expanding salon space have not been paid nor vendors my hair products I need to use to perform my services as a hairstylist I have a mortgage XXXX young children and have just asked for a one time partial release of my available funds just so I can pay my bills due now. They first told me request takes 5 days and nothing can be done about it then said it was requested while they transferred me to the manager and the manger said it was denied. This is completely unacceptable and frustrating especially around the holidays. I have contacted several outlets to help in expediting this matter. I hope you can help me I've also filed a complaint with OCC and I am waiting for a response. Thank You I hope to get this resolved without any more Delay.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of HXXXX XXXX  of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of Transunion. Please delete the following accounts, names, public record and inquires : Accounts : Dept of Ed XXXX Account Number : XXXX Date : XX/XX/XXXX, Amount : {$12000.00}, Dep of Ed XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00}, 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 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 XXXX XXXX XXXX XXXX XXXXXXXXXXXX.

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 2024-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Once I moved and disconnected services and returned the equipment I paid the last bill This company states I owe for months previous when I wouldnt have had service if not paid The last bill was paid in XX/XX/year> for XXXX I believe Now this shows as a charge off and still on my records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I got a car from US Auto sales in XXXX NC in XXXX from my understanding they went out of business so Westlake Auto sales took over. When that happen my amount was completely started over after paying for the car about XXXX yrs. Also XX/XX/XXXX they repoed my car after making a payment arrangement. I payed it the next day plus the amount of towing services.

Company response to consumer: Closed with explanation