vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX ,15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian XXXX XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXX XXXX  account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both XXXX XXXX EXPERIAN. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX  which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/23 - {$3800.00} deposit was OK on that same day, a {$1000.00} deposit was recorded but {$2000.00} was supposed to go through, or XXXX $ short. The ATM obviously was having trouble counting unlike the first transaction where the amount was correct and the ATM finished processing quickly, as the ATM was stalling for a long period before concluding the transaction, and noticing the amount was short when it was displayed, I was hoping that it would get recognized later somehow as I didnt want to open the ATM tray again but the machine eventually became jammed. My mother had this same issue for about {$580.00} at a different ATM but with the same bank and somehow she has credit permanently resolved into her account but mine was retracted. I called the bank the next business day ( XX/XX/XXXX ) and they initiated the provisional credit and investigation. Until XX/XX/23 the investigation was concluded in their favor and supposedly sent a mail detailing this. I never received a mail about this, and the credit was rescinded on XX/XX/23.

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 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance is trying to sue me for a car that was repossessed. Charging me {$22000.00} when the vechile isnt even worth that much

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 2024-02-21 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: NY

Complaint narrative:
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Account Number : Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
Und

er FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Account Number : Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX XXXX that one of my credit cards was closed, I contacted Citibank they closed my account because of inactivity, I told them the least they could do is send me an email or regular mail or a phone call they apologize, they said in order for me to re-open my card they had to run my credit again and it's gon na be a hard credit hit on my credit score, I told him that was unacceptable, doing my research online I know it is a lot of people are having the same problem with Citibank I would like my Acct to be restored, because of their negligence

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-21 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: GA

Complaint narrative:
I have been waiting for months after reporting fraudulent accounts on my consumer report to Experian, expecting the Fair Credit Reporting Act ( FCRA ) to be followed promptly. This is my third time reporting information about my dispute of fraud identity theft to the Experian fraud department. I have diligently provided all necessary documentation, including the Federal Trade Commission ( FTC ) identity theft report, which details each fraudulent account, and police reports. Additionally, I provided front and back copies of my state photo identification card, along with all other required related information to support the fraud claim, to be handled accordingly with the laws of the Fair Credit Reporting Act. 

Despite providing all required documentation, Experian has failed to take action to block or remove this information. The FCRA requires companies to comply with removing or blocking all accounts within four days of receiving documentation of identity theft. However, Experian did not adhere to their word to do so and instead provided me with information stating an update to the accounts. 

This delay has caused significant distress and financial harm, as I am relying on Experian to conduct a thorough investigation and remove the fraudulent items from my report in accordance with the FCRA. As outlined in the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports and expect timely resolution from the credit reporting agencies. 

Experian 's failure to promptly address this matter not only violates my rights under the FCRA but also prolongs the harm caused by the fraudulent accounts appearing on my credit report. I urge Experian to prioritize the resolution of this matter and promptly block or remove the fraudulent accounts from my credit report as required by law. Additionally, I request that Experian provide me with updates on the status of the investigation and any actions taken to address the fraudulent activity on my account. 

Thank you for your attention to 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
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Accounts with XXXX  Information XXXX  information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled. 
Account Name Account Number Balance Monthly Payment First Horizon This what shows on my credit report. First Horizon made a mistake and did not close the account when the balance had been paid in full in XX/XX/2023. I was not made aware of this until I checked my credit report in XXXX and found that they were charging me late fee for a XXXX balance. I had to pay an additional money to have the account closed which it should have been in XXXX. 

Additional, my First Horizon account shows XXXX balance since the balance was paid in XX/XX/2023. I never received a bill by mail, email, or via my on-line account to know there was any other fee to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CT

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I used a debt relief program in XXXXXXXX XXXX XXXX, and i was not satisfied with the program and i ended it in XXXX. I then have tried at least 5 times to get access to my account ( after XXXX ) to pay but they ( bank of america ) denied me access to my own credit account to do any changes. I could not log in, could not make a payment, could not do anything. They had given me at least XXXX different phone numbers to contact regarding me to pay off my credit but each time i gave them my bank info, they said " oh, you have to go to this department and they can help you '' ... 

I called them just now XXXX and she advised me that bank of america no longer has my credit with them and they " sold it off '' to somewhere even though I told them I am trying to pay it off. I have gotten no notice of this at all. I have only received the monthly statements from the bank of america XXXX account.. 

I want to file this complaint again because now not only will I be able to pay the credit for them, now my account is in collections even though my XXXX other credit accounts and companies they are apart of allowed me to log in and start a financial hardship payment plan. ( XXXX  XXXX and XXXX ). 

Due to BoA 's complete disregard of my efforts to log in and pay my credit account off I want the credit wiped from my credit profile on all credit reporting agencies.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I've been a USAA FSB member for 36 years. My wife has been a member 8+ years. We share a checking account with separate debit cards. My wife attempted an over-the-counter transaction on XXXX XX/XX/year> and the transaction was denied. USAA would not tell her anything ; she was 'not on the account profile '. I called USAA and was told there was no problem with the account. Subsequently our checking and savings accounts were locked and remained locked approximately 36 hours. We made numerous calls to USAA customer service and were eventually told there was one attempted fraudulent transaction in another state. We were not notified of this transaction as had been the case in the past. We also found out that USAA had blocked my debit card, without notice and without reason. The Customer Service reps do not seem to be able to do anything except read their script. I received an email from a 'Customer Advocate ' two days ago ( ten days after the accounts were blocked ) telling me that she would be in touch 'shortly ' ; I have still not been contacted by this person, nor has anyone returned any of the four voice mails I made attempting to contact her. To date ( 12 days after our cards were blocked ) we have not received replacement debit cards, which has created a significant hardship for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation