vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
In XX/XX/year> I submitted a dispute ticket case # XXXX. The case was resolved. However, I received a 1099-C cancellation of XXXX from XXXX XXXX for {$8400.00}. This is an error and the 1099C should be cancelled as the previous claim was resolved and the debt issue was resolved as the case/judgement was resolved as " paid in full '' The company would not be seeking payments, and my credit report was updated. I would assume that this last step was not resolved in their systems to prevent a XXXX from generating. I would like this resolved.

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 2025-02-03 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company 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 2025-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX or XXXX of 2024, my XXXX loan was sold to Shellpoint ( New Rez ). The terms of my loan are 20 years no interest per a modification completed by the original mortgage holder. Through all of the sales of my mortgage to mutiple companies, I have never had an issue with a company honoring the original modification until now. Starting in XXXX or XXXX when Shellpoint originally took over the loan, they honored the modification of no interest. In XX/XX/year>, they started charging compound interest. I contacted Shellpoint and was met with multiple calls of condescending conversations trying to tell me that interest should have been charged from the beginning. I finally called back and spoke to another representative who finally asked for the modification documents, which were uploaded to their portal as requested in XX/XX/year>. To this date, I am just receiving letters stating they are working on it with no resolution or change to my account. As of last week, I was sent a XXXX document stating interest was paid when in fact, it was not and is being disputed. I have continued to pay the amount agreed per the modification and not the interest they are charging.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I was driving to XXXX University on the New Jersey XXXX to have lunch with my grand-daughter when I received a text message from Wells Fargo asking if I recognized a recent fund transfer from my credit card to my savings account in the amount of {$2600.00}. I replied that I did not recognize the transfer. The text message looked genuine to me. I received a second message indicating that a fraud agent would be in contact with me shortly. I then received a phone call on my cell phone from an individual stating that they were a fraud agent with Wells Fargo Bank. The caller asked me several questions in an attempt to identify me such as my name, address etc. Then they asked specific questions such as my password. I gave them my password and then they advised that they would send a link to my phone and it is going to have verification number on it. The verification number came up and I gave the caller the number. The caller then tells me that I have to go to a Wells Fargo branch and I was to withdraw {$11000.00} from my personal checking account then they will send me a new account number ( Virtual Account ) to deposit the money into. 
I went to the ATM and deposited the first {$3000.00} into the ATM ( it would only take XXXX bills at a time ) I printed out the receipt ( Last XXXX digits of account # XXXX ) I printed out the first receipt and the caller told me not to print anything out and to erase the account number when finished. The caller advised that they would overnight a debit card to my home address. When I got home, I checked my email for the receipts from the four deposits and they were not there. Shortly thereafter I received a phone call from my grandaughter advising that she checked the phone number that the caller gave me and it was associated with a fraud scheme. This was aroung XXXX so I waited till the next morning and personally went Wells Fargo XXXX in XXXX New Jersey and they opened a fraud claim.

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 2025-02-03 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX MANAGEMENT on XX/XX/XXXX under the account number XXXX, a personal lease account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under number XXXX, and an account opened at TAB/SUNBIT on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX yr old XXXX XXXX, Con XXXX used my family and I. We ridded ourselves us this " XXXX '' FROM THE XXXX WHO SAYS SHE NEVER HAD XXXX YET SHE HAS A XXXX XXXX XXXX DAUGHTER! I LOST MY MOTHER AND NIECE XXXX showed up at my nieces funeral hadn't seen her in years. But it didn't take long to see this lady is still crazy, irresponsible and would do anything to anybody to be like by somebody. As an hurting introvert. XXXX started talking ( she XXXX that ) and I just allowed a outlet she came to my home and realized I'm WAAAAY BETTER OFF THAN WHAT SHE REMEMBER AND SHES WORSE OFF! She started asking did I " hit the lotto '' " u can stand a loosen '' weird. She said she could revamp my videos get in my phone and do videos. I was already planning to go to XXXX. She lived in XXXX. She began talking about how HER LIFE WAS XXXX HER WIFE WAS ABUSIVE ... LIES. Anyway I gave her my phone. For about XXXX hrs. Well after deep consideration seemingly after speaking to XXXX I could tell she's still disloyal, a liar and cut throat mean lady who thinks she's XXXX. She ended up scamming me to get to her house under false premeditated agenda. She started crying saying she was in love with me and she di witchcraft. That was it! I went to XXXX. Going through my finances 2 months later as I don't live check to check I seen she sent herself XXXX $ on the XXXX of XXXX and XXXX. XX/XX/XXXX. I'm a SINGLE PARENT AND I NEED MY MONEY!!! HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
Dear Equifax XXXX Department, I am writing to formally dispute the following accounts that have been fraudulently reported on my credit file. These accounts do not belong to me, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported in error and should be removed immediately. Please investigate and provide me with a written confirmation once the inaccuracies have been corrected. 

Thank you for your time and attention to this matter. Please contact me if additional information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase on XX/XX/year> with XXXX named " Affirm '' using my debit card linked to my Capital One 360 Checking Account for an amount of {$64.00}. After making the purchase, i noticed i made the wrong purchase, and a few minutes later i cancelled this purchase with XXXX. XXXX provided me with a confirmation email immediately stating my purchase was cancelled and the funds would be refunded back to my account within XXXX business days. The transaction showed as " XXXX '' inside my Capital One Banking XXXX, the transaction never completely posted. I checked my account daily to see when the {$64.00} would be refunded back to my account, the last day i seen the payment pending was Sunday XXXX, XXXX 2025. I check my account today, Monday XX/XX/year>, and the XXXX XXXX is no longer XXXX, but the funds of {$64.00} was not deposited back into my checking account. To make matters worst, the transaction is no where to be found on my Bank statement inside my Banking XXXX. I contacted Capital One customer service via telephone, and after speaking with XXXX agents, they were unable to verify this transaction at all. They don't have a record of the original charge, nor do they have a record of the transaction pending for the past 6 days. No one at Capital One can give me a explanation of where my refund is, or why they don't have a record of it. The agent advised me he will be putting in a investigation which could take up to 90 days. I also contacted the merchant XXXX to confirm the refund, they advised me that they never received the funds due to me cancelling the payment, which is why it showed as " pending ' through my bank. But now Capital One has no legit explanation on why i don't have my refund, and why they don't have a record of the original transaction, or the pending transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-03 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: DE

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
This is regarding my debit card dispute filed with Discover on XX/XX/year>. I have documentation to support my claim that these transactions were paid by other means ( statement from my other bank card plus an email from the merchant ). This was sent to Discover via the online portal in the app. I received an email confirming the document was received, but the representative XXXX I spoke to was not able to view it on the call. She confirmed that this information was notated for the disputes team. I also was not given a reference number for the dispute. 

This report is being submitted to confirm Discover follows banking regulations and applies the temporary credit to my account within a maximum of 10 business days. I will also need this bank to reach out to me via email or phone if any additional information is needed, before deciding to close my claim prematurely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/year> sent Cashapp payment to XXXX of {$50.00}. Cashapp address of no longer his active account There was no way to get my money back. I guess its just out there somewhere. Had to go pay them cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company 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 2025-02-03 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company 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 2025-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
Please note that there are several payments that are uncounted for under the ED financial account history, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Where did the money that came out of my bank account go? Please see attached documentation. Also, I would like a separate recount of my repayment through XXXX, etc. I have been paying on my loan for nearly XXXX  years. I would like my accounts reassessed for potential forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( XXXX ) and the Fair Debt Collection Practices Act ( XXXX ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief