vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the fair credit reporting act section 1681 ( b ) c and a serious breach of my privacy rights I formally requested that these fraudulent inquiries and accounts be immediately deleted my credit. There are several inaccuracies regarding balance amounts, payment dates, payment status ', and debts owed. I requested that the inaccuracies be corrected by XXXX and Equifax, and no corrections have been made. I requested if anything comes, verified to show signatures and the original documents showing true accuracy. This was done beginning of XXXX last month. I also notated that they have 30 days to complete investigation as per fair credit reporting act section 611. Accounts remain on credit report, and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Subject : Formal Complaint Against Wells Fargo : Discrimination, Account Closure, and Mishandling of Funds In XX/XX/year>, I deposited a check for {$33000.00} issued to me by my attorney as part of a settlement related to a motor vehicle accident case. Despite following proper procedures, Wells Fargo placed a hold on the entire amount and failed to release even the standard {$5000.00} that was supposed to be made available within a few days, as per their policies. 

Later, I was informed by the bank that the check was flagged as suspicious and required additional verification. However, without conducting or completing any investigation, Wells Fargo decided to close my account, effective XX/XX/year>. This decision appeared to have been made immediately following a phone conversation I had with a bank representative. 

During that conversation, I experienced discriminatory treatment. I firmly believe that the decision to close my account was influenced by my accent, my limited proficiency in English, my XXXX  XXXX origin, and my immigration statusall of which were evident to the bank employee. It seemed that my background and the way I speak caused the representative to presume unfairly that the check was fraudulent. Following this, the representative likely escalated the matter internally, leading to the account closure. 

Wells Fargo subsequently accused me of fraud, even though I provided the necessary documentation to prove the legitimacy of the check. I submitted a formal explanation, along with a copy of the settlement agreement between me and my attorney, and both the front and back copies of the check. Despite my efforts, Wells Fargo did not communicate with me, did not provide any updates, and failed to properly investigate the matter. 

Additionally, the bank blocked my access to my funds entirely, leaving me in a dire financial situation. They never released any portion of the deposited amountnot even a minimal sumand provided no explanation for their lack of communication. 

It is now XX/XX/year>, and I have still not received the original check back from Wells Fargo. This is unacceptable, as the check was issued by my attorney, and I should have been able to recover it promptly after the account closure. 

This entire experience has caused me significant distress and financial hardship. I believe Wells Fargos actions were discriminatory, unethical, and grossly negligent. I am filing this complaint with the Consumer Financial Protection Bureau in the hope that this situation will be thoroughly investigated and that appropriate actions will be taken to prevent others from experiencing such treatment.

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 2024-12-02 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: TX

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 XXXX  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 2024-12-02 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: TX

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 XXXX  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 2024-12-02 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: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 I was using the XXXX  XXXX app to book a one way flight from XXXX to XXXX XXXX for XXXX XXXX XXXXXX/XX/XXXX. Before I confirmed the flight  I saw a promotion for earning a {$500.00} statement credit towards the flight if I applied and received the Gold Amex Delta SkyMiles Credit Card. I then proceed to apply for the credit card and I was approved that same day. On XX/XX/2024 I booked the said flight, which was a total of {$410.00}. According to the offer, I should be eligible to receive the {$500.00} in statement credits ( as it said on the XXXX  app, my flight would cost {$0.00} after applying for the credit card and purchasing my flight with it ), but I never received the statement credits. I inquired about this to American Express, who clearly denied the offer and denied my request to receive the {$500.00} in statement credits. This is fraudulent marketing advertisement and subject to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, Experian, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : 1. Account Number XXXX in the amount of {$2800.00} 2. Account Number XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and Experian and the other two credit reporting agencies.. 

Despite my disputes : Experian claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : 1. Experian, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. 
2. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. 
Continues to report these debts without verification, violating the FDCPA and FCRA. 

If no verification is provided, the accounts must be permanently deleted 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 explanation
Consumer complaint received 2024-12-03 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: SC

Complaint narrative:
Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in XXXX XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.

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 2024-12-02 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of XXXX XXXX I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. 
The following accounts are erroneous and must be removed from my credit report immediately : 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 These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. 

I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. 

Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
They keep posing as other companies but I know it's them also they call more than 7 times in one week.

Company response to consumer: Closed with explanation