vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I did not permit this inquiry, and I have not had any contact with this lender on the date mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: SC

Complaint narrative:
" I

am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One credit card is refusing to assist dispute my claim for being overcharged. 
I was overcharged by XXXX rental car the amount of {$930.00} on the Capital One credit card on XX/XX/year>. 
I contacted Capital One and they opened XXXX XXXX : XXXX on XX/XX/year>. 
I provided documents to Capital One showing that my rental car agreement was for the amount of {$740.00} and I was charged the amount of {$1600.00} instead. 
On XX/XX/XXXX, Capital One credited my account for the amount of {$930.00}. They reverse the credit by recharging the same amount of {$930.00} on XX/XX/XXXX without doing any investigation with the merchant. Capital One sent me letters stating that they are unable to assist with the claim and " If you still want to dispute the charge, please contact the merchant and work directly with them ''. 
I also called them on the phone and spoke with one of their suppervisers and received the same response declining their support with the dispute Case Number : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to urgently address a troubling situation with my Wells Fargo account. Recently, I deposited a government-issued check for services provided to my business. Wells Fargo initially placed a hold on the check, which was cleared without issue. However, without prior warning, Wells Fargo imposed a restriction on my account, alleging potential fraud and notifying me of their intention to close it. 

Upon inquiry, I was not given a clear explanation for this action. Instead, Wells Fargo questioned the legitimacy of the check based on minor discrepancies, such as the use of XXXX numerals versus letters and the inclusion of a name associated with a former employee. I clarified that the check was valid, issued to my business, and provided documentation confirming the legitimacy of the transaction and my business ownership. Despite this, Wells Fargo has not provided a satisfactory explanation and continues to restrict access to my funds. 

My business is now facing significant hardships, including difficulties in paying employees and managing daily operations, due to the funds being held. Wells Fargo has also debited my funds and moved them to an inaccessible account. I have provided documentation in person to the branch, proving my current and former business ownership and showing that no fraudulent activity has occurred. Nevertheless, Wells Fargo continues to classify this as fraud without furnishing the required documentation or evidence.

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 2024-08-08 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: TN

Complaint narrative:
Duty pursuant to the FCRA, it is EQUIFAXs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received an email from Cash app that they were closing my account and then I was no longer allowed to use them. I've used cash app for years and all I do is pay my bills matter of fact most of my bills auto deduct from my cash app card I use it more than I use my XXXX XXXX  card so I was sure that it had been a mistake so on XX/XX/XXXX I sent him a message asking why they were closing my account and that it might be a mistake and I was told that they couldn't see why it was closed but they could send it up to the next department and it could take anywhere from 30 to 60 days. I found that really odd that they could inform me that I broke some rule but not tell me what it was that I did. I tried several more times from different customer service reps at Cash app and I was given the same answer every time that they couldn't do it or they reps at Cash app and I was given the same answer every time that they don't know what the reason was but still they close my account and said I can't use them anymore All I want is an answer to why they close my account and they will not give me one I get the runaround every time I talk to them they give me the same answer that they can't tell me and and someone will get a hold of me well it's been over 30 days and twice now they have closed my complaint ticket before you even giving me an answer. Having that card just closed on me really affected my bills and everything like I said everything was under deducted from there and they've never given me an answer and they're never going to give me an answer I don't think that's right they tell people to use your card and get direct deposit and all this stuff but then they can just close your account and not tell you why they closed it they're being very vague they said some rule was broken but they won't tell me what it was no one seems to know what it was so how do I know it's not a mistake anyway I would like to know the reason why they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-08 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: NH

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-08-08 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: KY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX -- XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15.U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-08-08 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The collection agency had engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
XXXX XXXX XXXX - {$800.00} XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$2100.00} These are medical collections that are being reported illegally, this is violating my privacy and HIPPA law. Please remove from the credit report or you are opening yourself up to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-08 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: FL

Complaint narrative:
HI- I checked my credit for the first time and noticed unathorized inquiries in my report that i have never applied for this was not me please help in removing inaccuarete items on my report that dont belong to me XXXX XXXX XXXX SEE ATTACHED. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-08 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: CA

Complaint narrative:
I am writing a complaint because Shellpoint, who I have XXXX good standing mortgages with, sent me an email that I had a secure message. I logged in, which was an odd experience because it made me create a new account but I had a recent email from creating an account. The message said they didn't receive attachments to a recent correspondence with them and that I could not respond to the email, but could call. I cross checked the support phone number with my previous mortgage correspondence to ensure it was the same, and it was. I called, was forced to listen to a XXXX second recording stating that I qualified for a XXXX XXXX XXXX XXXX XXXXnd to stay on the line to hear other options. I stayed on the line only to be bombarded with either a real person or a recording which would not stop talking, acted like they were a real person even as I interrupted them, said things like " hang on while I check, yes we can get you over to a XXXX XXXX XXXX  right now '', etc. This is a clear invasion of my privacy, robo email and calling to sell XXXX  products, violation of the use of my private information contained in my mortgage information. I can't find any other phone number, chat or electronic communication to contact them other than this XXXX support number on their website and in their emails. Customer Care Line : XXXX. They are PREDATORS and have NO BUSINESS BEING RESPONSIBLE FOR MY LOAN OR PERSONAL INFORMATION!

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 2024-08-08 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: CT

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I woke up to my small business and my personal account being empty. Law firm RAS LAVRAR garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a XXXX Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this XXXX XXXX prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.

Company response to consumer: Closed with explanation