vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am writing to dispute an inaccurate remaining balance that appears on my credit report due to a data breach involving my personal information. This dispute is being filed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which provides for the removal of information on credit reports related to data breaches.

My personal information, including [ list types of exposed information such as Social Security number, credit card number, or bank account details ], was compromised in a data breach that occurred with [ name of company/organization responsible for the breach ]. As a result of this breach, incorrect information related to a remaining balance has appeared on my credit report.

The remaining balance listed on my account with [ creditor 's name or specific account ] is incorrect and likely the result of unauthorized transactions or fraudulent activity connected to the data breach. I am requesting that you investigate and update the information on my credit report, including the removal or correction of the following : 1. Inaccurate Remaining Balance : The balance listed on my account does not reflect my actual outstanding debt and may be due to fraudulent charges or unauthorized use stemming from the data breach. Please review this balance and ensure it is corrected to the accurate amount. 
2. Fraudulent Activity : If there are any other accounts or transactions that appear to be linked to the breach, please investigate and remove any fraudulent information associated with these accounts.

To assist with this dispute, I have attached the following documents for your review : * A copy of the notice or communication I received regarding the data breach, confirming that my information was exposed.

* A copy of my identification ( e.g., drivers license, passport, etc. ) for verification purposes.

* Any additional documents such as account statements or correspondence with the creditor that may help clarify the correct balance.

I respectfully request that you complete the investigation and provide an updated credit report reflecting the corrected remaining balance and any other necessary adjustments. The FCRA requires that this process be completed within 30 days, and I would appreciate your prompt attention to this matter. 
Please confirm receipt of this letter and keep me informed of the status of the dispute. If you require any additional information from me to resolve this issue, I am happy to assist. 
Thank you for your time and attention to this important 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 2024-12-30 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 XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> Wells Fargo is not refunding my money from unauthorized transactions. I have called and have been told they can not reach the people who are in charge of the claim and would have to wait multiple times 24-48 hours. Nothing so I called again and was told they updated claim but don not have a way to reach the people who are in charge and investigating claim. The amount is {$6300.00}. My account is negative and I have bills on autopay and payments that I need to make. I need my money back. Please help.

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 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I paid my total balance due of XXXX on the due date of XX/XX/24. I have an email receipt dated XX/XX/24. I was charged a late fee of {$30.00} on XX/XX/24 and another {$30.00} late fee on XX/XX/24 and {$2.00}. minimum interest fee on the late fees. I received no email statements, even though I was forced to sign up for electronic statements, or I would be charged for paper statements. I received a phone call from Comenity Bank on XX/XX/XXXX saying they would like to hear from me- no information saying I had a balance due. I paid {$62.00}. on XX/XX/24 but learned moments later they were late fees. On XX/XX/24 I spoke to 4 representatives who all refused to refund the {$62.00}. They offered to refund {$15.00}. and later {$32.00}. but I could not accept the unacceptable offer. I was told from the first representative my payment was made 3 hours after the deadline. Their website claims they send paper statements until the balance is caught up. I have received no XXXX or XXXX paper statements and the representative confirmed this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PlusFour, Inc
State: NV

Complaint narrative:
This letter serves as a formal notice of a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ), in connection with your actions related to the alleged debt account in my name. Pursuant to this statute, it is unlawful for a debt collector to communicate or threaten to communicate credit information that is known or should be known to be false, including failing to communicate that a disputed debt is, in fact, disputed.

Under Evans v. Portfolio Recovery Associates, LLC, 889 F.3d 337 ( 7th Cir. 2018 ), the XXXX XXXX ruled that a debt collector violates 1692e ( 8 ) if it fails to inform the credit reporting agencies that a consumer disputes a debt. The court emphasized that failing to report the disputed status of a debt can mislead potential creditors or other third parties, constituting a material misrepresentation. 

Case law has affirmed my right to request a cease of debt collection communication. And Daugherty. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. court 2016 ), the court ruled that the consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my right under federal law.

Additionally, the case of Clark V Credit, and collection services Inc., 460 F3d. 1162 ( 9th Cir, 2006 ) reinforces the consumers rights to privacy and any obligation debt collectors to honor requests for ceasing of contact. Ignoring this cease and desist demand will constitute harassment and violation of the FDCPA. 

In light of this case law and the statutory requirements, I am hereby informing you that I dispute the validity of the alleged debt in question. Any further communication of this debt to third parties, including credit reporting agencies, must reflect its disputed status.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from all communication with me regarding this debt, except to notify me of legal proceedings, if any.

Please be advised that failure to comply with this notice will result in further legal action. This could include filing complaints with the Consumer Federal Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protecting my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this in the system demand and will comply with it accordingly.

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 2024-12-30 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have not been able to login to my account in months. I've called and I'm on hold for a long time and then they hang up.

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 2024-12-30 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Was approved for Trial modification XXXX payment due XXXX, soke with mortgage servicer customer service verified XXXX trial payment received XXXX XXXX  XXXX XXXX Was told by customer service Wells Fargo Mortgage foreclosure was canceled in their system but the Foreclosure attorney still has my house set for foreclosure XXXX XXXX, XXXX. 
Also was told by Wells Fargo customer service XXXX  ID # XXXX Wells Fargo has no control over foreclosure attorney action regarding foreclosures.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I been try to open the bank account, I been denied to open account due fraud and scam access my information - since well fargo bank lose the federal lawsuit and I did received money back - However it isnt my responsible for bank lawsuit because your bank are full responsible to protect customer 's bank account due from scam 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I transfer {$2000.00} to my landlord with a wrong phone number, XXXX, his correct number is XXXX, the recipient name is still his name. Chase bank refused to refund the {$2000.00} even the wrong number doesn't match the recipient name. Chase bank 's excuse is that the wrong number is not created by the sender, it is in an instruction in the email that I sent to the landlord My claim is that Chase should refund because the wrong number doesn't match his name, even the phone number was wrongly typed by the landlord in the instruction email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
The company failed to provide sufficient documentation to validate the debt despite my repeated requests under the FDCPA and FCRA. The account includes multiple inconsistencies and inaccuracies, such as discrepancies in the opening date, balance, and payment history across credit bureaus. Additionally, the company appears to have relied on automated systems like e-OSCAR, which do not meet the legal standards for a reasonable investigation. This unverifiable and inaccurate information is harming my credit profile.

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 2024-12-30 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 XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1700.00} Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : XXXX. XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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