vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XXXX XXXX, at XXXX XXXX  XXXX XXXX a duplicate card ending in XXXX was used at the counter to withdraw {$2900.00} from my XXXX  account ending in XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX At about XXXX, a telephone transfer of {$4500.00} was transferred from my XXXX account ending in XXXX to my account ending in XXXX. At XXXX XXXX  CST, {$2700.00} was withdrawn at the counter at XXXX XXXX XXXX XXXXXXXX XXXX, TX using the duplicate card ending in XXXX. At XXXX, two attempts were tried at the XXXX XXXX branch ATM for {$950.00} and {$500.00}. They were denied, and I received emails saying I had reached my daily limit. The only card I had issued was used in XXXX XXXX, Michigan, at XXXXXXXX XXXX CST for an ATM withdrawal of {$780.00} with a {$4.00} fee. That is what triggered my daily limit. It was used by a best friend/business partner, XXXX XXXX XXXX 
Even though my daily limit had been reached, Wells Fargo allowed two withdrawals of {$1000.00} and {$500.00} at XXXX and XXXX XXXX  CST at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX at the ATM there. I was told it may have been another type of withdrawal, but the records show it was an ATM withdrawal. There are at least two more police reports at this location for XX/XX/XXXX and XX/XX/XXXX. Detective XXXX said, " Wells Fargo knows they have an ATM problem. '' There are other filings in XXXX XXXX, also. 

XXXX XXXX, Wells Fargo customer for 34 years.

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 monetary relief
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-28 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-28 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 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, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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.

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!

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 2024-08-28 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against CONSUMER ADJ Agency for their repeated violations of my consumer rights. 

CONSUMER ADJ Agency has failed to provide me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, they have proceeded to place a collection on my consumer report, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, CONSUMER ADJ Agency has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the required disclosures mandated by 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts to CONSUMER ADJ Agency and revoking their right to contact me through email, text, or phone calls. 

I am requesting the following : Debt Validation and Verification : Please provide me with clear and verifiable documentation that I owe the debt to CONSUMER ADJ Agency. 
Purchase Agreement : Please furnish a copy of the purchase agreement between CONSUMER ADJ Agency and the original creditor. 
Licensing and Bonding : Please provide proof that CONSUMER ADJ Agency is licensed and bonded to operate as a debt collection agency. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I request that you investigate this matter promptly and take appropriate action to protect my consumer rights. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: OR

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments XXXX for XXXX account ending in XXXX and XXXX for XXXX Bank account XXXX in XXXX. These include a XXXX late payment posted on XX/XX/2024 ( XXXX Bank XXXX XXXX XXXX and a XXXX late payment posted in XX/XX/2024 ( XXXX Bank ). These are 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 non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-08-28 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: AL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX and Equifax, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report. 

XXXX. Late Payments : Incorrect late payments reported on accounts that should be marked as paid off or never existed under my name : XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Please see that attached FTC reports with the list of all accounts mentioned above. FTC report Number : XXXX and XXXX I have attached a copy of the FTC reports. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly. 

What would be a fair resolution to this issue? ( demands for relief ) : I demand that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the removal of the fraudulent and inaccurate accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. Additionally for XXXX XXXX to be marked as paid in full, and remove the late payments. I request that all written confirmation regarding this CFPB complaint be sent to me via certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX credit card ending in acct # XXXX. Last yr the annual fee was billed for this card yr and I contact American Express to cancel the card. The company advised me that they would make an offer to me as a long term user of the card an annual fee reduction of {$450.00} if I spent {$3000.00} on the card. I did spend {$3000.00} on the card and got the {$450.00} credit. I was just billed for the next card year fee for the same card. I contacted the company via chat and they told me they would cancel the card for me, but they would claw back {$450.00} in the fee waiver from the prioor year. This is most definitely a deceptiove practice. I was at no time told that if I accepted that fee reduction ( based on spend in XXXX ) that I would need to renew the card at {$650.00} or whatever the fee is in XXXX again. I really could not believe this as a customer for more than 35 years. They advised me they are rebilling me {$450.00} and effectively clawing back that fee reduction. I did not attempt to cancel the card until I was billed the new fee for the next card year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
After midnight On XXXX XXXX while I was sleeping a total of XXXX transactions were posted ti my cashapp account. The first XXXX attempts to withdraw my money failed. On the XXXX attempt my entire balance was instantly transferred to an unknown account. When I awoke and discovered my money was gone I immediately notified cash app of the unauthorized transa tions. They informed me they would investigate and resolve the matter. Several days later I was informed that my claim was being denied. They were supposed to send me documentation that they used to make their decision but only provided me with a letter showing that I had requested the funds be returned. They will not provide me with information on where the money was transferred to or whose account it ended up in although they maintain that they believe I initiated the transaction. I abided by the instructions provided in their terms of service and according to such terms should only be liable for the first {$50.00} lost if liable at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.SC. 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt and Request for Validation Account : XXXX Dear Jefferson Capital Systems, I am writing to formally dispute the debt referenced in your communication dated XX/XX/2024 I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with Jefferson Capital Systems or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : XXXX. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements. 
XXXX. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt. 
XXXX. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XX/XX/23, I canceled a transaction made on XX/XX/23 with XXXX XXXX. I did a dispute on 3 credit cards that I charged the whole amount on. I was refunded from XXXX XXXXXXXX XXXX XXXX ( party to contract in which card was opened by XXXX without proper terms and conditions given ) and XXXX XXXX  XXXX. This made the contract invalid and cancellable by purchaser at any time due to failure to disclose and misrepresentations that violated South Carolina Law. I filed a case with American Express to complain about the unlawful handling, investigating and denial of my dispute. They still continue to close out dispute and case without any answers. They send same old denial response every time I reopen it. That response is irrelevant and erroneous. I asked for it to be escalated to arbitration or legal but still no response. XXXX continued to illegally set up accounts from purchase after it was cancelled and refund requested violating my right to arbitration in contract and in SC law.

Company response to consumer: Closed with explanation