vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XXXX of XXXX a debit card was lost/stolen. Shortly after, but before I noticed debit card was missing, i checked my accounts like I always do after getting groceries. I noticed several transactions that I did not make. Then I checked email and noticed several alerts about denied transactions. I immediately contacted Wells Fargo and reported the fraudulent activity. The person was able to move money from my savings into my checking then withdraw that money. Now according to the alerts these originally happened at a specific branch. We requested information on how someone with no ID or PIN ( remember there were several denied transactions due to incorrect pin ) as able to do this. After filing fraud claims and being badgered and gaslit into taking blame for this we filled a police report. Wells Fargo then put a hard freeze on the accounts and instructed me to open new accounts. The next day after opening the new accounts the claims people said that was done incorrectly and I had to go back down to open more new accounts. This was during a XXXX plus chain of phone calls where everytime i was supposed to be transferred to a higher up I was instead hung up on. Trying to correct the claim filled by a completely incompetent series of claims agents never amounted to anything. Everyone in branch or on phone hasn't been able to answer a single question of how did they let this happen, or when are they going to fix it. I really need help because XXXX willful negligence or utter incompetence is taking away part of my life savings.

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 2024-10-23 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: TN

Complaint narrative:
I called Equifax and spoke to 2 reps and a supervisor about 3 Hard inquiries are on my equifax report and they refused to remove them. 

I also can not access my credit report since making my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mother has a revocable trust and the account is in the name of this family trust. The terms of the trust states that if the trustee ( my mother ) is financially incapacitated ( she is XXXX and has XXXX ) and XXXX doctors sign letters stating this, the trustee will change to the successor trustee ( me ). Capital One Bank refuses to make this change even though I provided a copy of the trust and the letters from the doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-10-23 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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 a account without my written instructions 15 U.S.C 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX  account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXX  XXXX Bankruptcy Ref : XXXX, XXXX XXXX ( inquiries ), XXXX  ( inquiries ), XXXX XXXX XXXX ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear CFPB I am writing to formally dispute a debt that was sold to a third-party collection agency by XXXX XXXX. Upon contacting XXXX XXXX to address this matter, I was informed that the debt in question had been sold to a third-party as of XX/XX/XXXX. This information was confirmed during a phone conversation with a XXXX XXXX representative on XX/XX/XXXX, marking the fourth time I have sought clarification on this issue. 

As XXXX XXXX is no longer responsible for collecting this debt, I would appreciate further guidance on how to proceed with the dispute directly through the third-party collector. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX  Revolving Account Type - Detail : - Credit Card Revolving XXXX Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$XXXX} {$XXXX} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$XXXX} {$XXXX} Credit Limit : - {$XXXX} {$XXXX} Past Due : - {$XXXX} - Payment Status : - Current Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX this the send debt that was sold to a third party XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX  Revolving Account Type - Detail : - XXXX  Credit Card Revolving XXXX Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - - {$XXXX} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$XXXX} {$XXXX} Credit Limit : - {$XXXX} {$XXXX} Past Due : - - - Payment Status : - Paid satisfactorily Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I was a tenant at XXXX XXXX. I moved out and contacted the front office several times before moving and noone never came to view the apartment. After several months i an being charged for carpet that gets replaced after every move in, cabinets that was broken before i moved in and a hole in the wall. All of these items was listed on a pre inspection report that the apartment complex has refused to provide. I have gone to the complex, called them, and emailed them and they refuse to give me a copy of the report which has all of the things listed that they are trying to charge me for. No one never came to fix any of these problems. XXXX XXXX  cant keep upfront managers or people that know how to conduct business. They are very fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I used my principal XXXX XXXX and invested in J.P. MORGAN CHASE BANK giving CHASE the security collateral from my principals estate in exchange for a credit card. 
When I filled out the application online I did not see any place to attach the tender required stated in The Federal Reserve Act Section 16 paragraph 2 as a result I sent XXXX XXXX a letter on XX/XX/year> with a Power of attorney showing I have jurisdiction over my citizen along with the tender acting in correct performance demonstrating the ability to contract and was treated like a minor which is discrimination because of age - Equal opportunity Act. 
I received a letter of Decline due to past or present delinquent credit obligations, too few accounts, limited credit experience and history of poor performance. This is a Violation of 15 USC 1615- The right to Service and again age discrimination - Equal Opportunity Act. 
There was also discrimination based on credit history. Only the Federal Reserve Board of Governors has the authority to decline credit - Federal Reserve Act Section 16 - which J.P. MORGAN CHASE BANK is NOT. 
Banks are only allowed to borrow ( 12 USC 1431 ). 
Furthermore, I have the right to credit due to the fact the funding comes out of my Principals estate. ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX ). 
XXXX XXXX failed to respond so I sent another letter on XX/XX/year> asking for a copy of the application, requesting a XXXX XXXX dollar credit limit on the credit card and giving him the opportunity to cure. Again No response so I sent a 3rd letter on XX/XX/year> for default judgement and again no response was received so I proceeded to study how to file a civil claim where I found in the rules that I must communicate with you first so I am doing so now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX. However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.

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 2024-10-23 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-23 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: GA

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 non-monetary relief
Consumer complaint received 2024-10-23 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: GA

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 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I have made multiple disputes about this. Last one was sent on XX/XX/2024. I requested that the debt in the amount of {$1700.00} be removed from my account. That debt belongs to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AZ

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

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 a account without my written instructions 15 U.S.C 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have confirmed that information provided as debt validation from the company is inaccurate and according to my FCRA rights, I have the right to dispute incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I dont have the exact date, but the car was sold on XXXX credit reports it states that I owe {$18000.00} on a different credit report. It states that I owe {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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