vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
This is regarding the XXXX credit card. I have attempted on multiple occasions to set up payments for this card. Despite repeated efforts, my auto-payments have either been " forgotten '' or not set up correctly and as a result I have incurred late fees and interest. I have spoken on the phone with Wells Fargo about this twice. 

I am a fairly savvy credit card user and have never been late on a payment or carried a balance. I have never had so much trouble and so many issues setting up payments for a credit card. XXXXWells Fargo has obfuscated the process so severely that I have been unable to make timely payments even though I have the desire and means to do so. 

I also have a family member who experienced this same issue and warned me of it prior, so I was particularly careful when setting up my account. From a brief XXXX search it is clear that many people are having this same problem. There is clearly an issue with XXXXWells Fargo 's platform that they are conveniently benefitting from. 

Thank you for your attention to this issue.

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 2024-11-18 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: HI

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 2024-11-18 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:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request to remove the inaccurate accounts being reported on my credit 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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I applied for credit with Affirm. I purchased clothes through XXXX XXXX. I returned one item. I called several times because they werent crediting it to my outstanding loan balance. They told me they didnt see the credit and that I needed to file a dispute. I did that on XX/XX/year>. I received notification today that the issue has been resolvedresolved and that they are correct. They provided no details. I have continued to pay on my balance for the loan but they seem to just be blowing me off. I have my receipt and the balance mail from XXXX XXXX showing the bank routing number. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Frost-Arnett Company
State: MS

Complaint narrative:
XX/XX/XXXX - Received collection letter in mail from Frost-Arnett Collection Agency in regards to medical debt owed to XXXX XXXX XXXX XXXX 

In XX/XX/XXXX I spoke with XXXX XXXX XXXX and set up a monthly payment plan to be auto-drafted from my checking account in the amount of {$77.00}. This amount was consistently drafted until XX/XX/XXXX. 

I was not aware that the payment was no longer being drafted from my account. I never received a notification letter or phone call from the hospital attempting to collect the debt or to notify me that the payment was no longer being drafted. I was under the impression the payment was still being drafted until I received this collection letter today. 

I submitted an online request today for someone to contact me from the hospital regarding this bill. 
Now this balance that I was consistently paying each month has been sent to a collection agency without my knowledge. Had I known the amount was no longer being drafted, I would have taken action in order to stay current on the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Whent to the mall XXXX executive office gave me original receipt for each pillow and showing the payment 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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Over the years, I was overdrafted from my account. Sometimes when I added the money back to the account they would overdraft me again. This has been a constant thing with them for awhile now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Detected unauthorized accounts in my credit report ; kindly ensure they are blocked and erased.

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 2024-11-19 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: GA

Complaint narrative:
When I reviewed my credit report today, I was horrified to find inaccurate accounts listed. Ive always kept track of my credit report, so seeing these discrepancies appear out of nowhere was shocking. I even tried refreshing the browser, hoping it was a mistake, but the errors didnt go away.

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 2024-11-19 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: Kikoff Inc.
State: FL

Complaint narrative:
Kickoff Account XXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
I am writing to formally request the removal of certain items from my credit report that are the result of identity theft. I have identified multiple accounts and inquiries that I did not apply for, and I am seeking to have these fraudulent entries deleted to ensure that my credit report accurately reflects my true credit history. 

I have reported the identity theft to the Federal Trade Commission ( FTC ) and have attached a copy of my FTC Identity Theft Report as proof of the fraud. Additionally, I have included a Word document listing the specific items that I believe should be removed.

Under Section 605B of the Fair Credit Reporting Act, I request that these fraudulent accounts and inquiries be blocked from my credit report as soon as possible. This will help prevent further damage to my credit profile and ensure that only accurate, legitimate information remains. 

Please confirm the removal of these items from my credit report at your earliest convenience. Should you require any further documentation or information from me, please do not hesitate to reach out. 

Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
This is in reference to inaccurate information that DEPT.OF ED/XXXX is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.The inaccurate information is in regards to late payment ( s ) which never occurred and is being represented as 120 days late in XXXXXXXX XXXX  but timely payments on months prior and my accoint were never late on any payments. UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

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 2024-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
While reviewing my credit report on XXXX, Report # XXXX I noticed a collections account with CREDENCE RESOURCE MANAGEMENT ; A debt owed to XXXX XXXX XXXX  is currently being reported on my credit file. Upon reviewing I am not familiar with this account and have never had an XXXX XXXX XXXX XXXX before. I believe this is yet another account that was fraudulently opened in my name ( XXXX XXXX ) and I am requesting a thorough investigation of this account to ensure that I ( XXXX XXXX ) is the rightful owner of this debt. If my personal information is a MATCH to the reporting collection agency and/or XXXX XXXX XXXX XXXX I ask that they send proof of methods used to open account, such as signed contract and payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-11-18 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
NET CREDIT {$3100.00} XXXX Company received ftc report and keeps trying to make me go to the police. Company hasnt validated debt and its been two months! Only response I got is email no contracts with my signature being signed on this alleged debt. This is hurting my credit terribly. Ive never spoke with company ever and they are lying saying I made payment plans. Ive called their fraud department NO ANSWER. Also this alleged collection debt isnt showing on XXXX!!! Under FCRA ALL CREDIT REPORTS MUST BE ACCURATE AND THE SAME! 
THE COMPANY IS REQUIRED TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AND PROVIDE THE V REQUESTED INFORMATION ATTACHED TO THIS COMPLAINT DUE TO VIOLATIONS UNDER THE FAIR DEBT COLLECTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
**Subject : ** Formal Dispute of Inaccuracies in Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies present in my credit report, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. It is my firm belief that the following account has significantly violated my consumer rights regarding accuracy, privacy, and confidentiality. 
**Account Information : ** - **Account Name : ** Santander Consumer USA - **Account Number : ** XXXX Upon reviewing my credit report verified by your agency on XX/XX/year>, I identified several discrepancies that were not rectified, which include : - Inaccurate dates of last activity - Inaccurate instances of days late - Inaccurate payment history All discrepancies have been clearly highlighted in red, with the payment history circled in blue in the attached documentation for your reference. 
In accordance with 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the utmost accuracy of the information contained in their reports. The continued verification of these inaccuracies, despite my previous disputes, constitutes a clear violation of my rights under 15 USC 1681i. This section mandates that if an item is deemed inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted from my credit report. Furthermore, under 15 USC 1681s-2, it is unlawful for any entity to furnish information to a consumer reporting agency if they are aware or reasonably should be aware that the information is inaccurate. 
The persistence of these inaccuracies not only contravenes legal obligations but also severely impacts my consumer rights and financial standing. Therefore, I hereby demand the immediate removal of the aforementioned account from my credit report. 
Please be advised that I am prepared to pursue legal action for {$1000.00} for each identified inaccuracy, in accordance with the FCRA, specifically citing violations of 15 USC 1681i and 15 USC 16815-2. 
Thank you for your prompt attention to this urgent matter. I expect a swift resolution and appreciate your cooperation in rectifying this issue without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: AZ

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 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
I purchased a XXXX Spa treatment plan from XXXX ( Parent Company : XXXX XXXX XXXX ) on XX/XX/XXXX ( according to the debt collector Midwest Fidelity ). I was told XXXX does not handle their financial collections in-house but through XXXX  XXXX  ( at the time ) and they were going to set me up on a payment plan, but I was told that I could pay it off in full or in larger sums if I wanted to. I had my first appointment on XX/XX/XXXX and decided I wanted to pay the treatments off in full so I didn't have to worry about making payments so I called Ally Lending on XX/XX/XXXX and made the full payment over the phone for {$4700.00}. I have documentation in my bank statements of this payment to this company. I continued to receive mail from this lending service, saying that I still owed the full amount and was being charged interest. So I called XXXX in XX/XX/XXXX telling them about the mail and after providing documentation, I assumed the matter was resolved. I continued to receive the same debt mail from this lending company for months after, but I didn't think anything of it and thought they were sending it to me by accident because I 1. had already paid, and 2. I called them to resolve the issue and they said it was resolved. Now it is XX/XX/XXXX and I am receiving calls from Midwest Fidelity debt collectors saying that I still owe the {$4700.00} and they have no documentation of me ever paying. So now I am trying to resolve this all over again by giving them a copy of my bank statement showing that I paid the full amount almost 2 years ago. I just checked my credit score and this specific issue has dropped my score well over XXXX points ( I previously had an almost perfect score ). This has been an absolute nightmare and not only am I having to deal with the tedious task of getting this resolved. I also have to prove that I've been falsely reported for debt with creditors so I can attempt to fix my credit score. It's not fair for someone who has done the right thing, paid all the bills on time, etc to have to experience detrimental damage to their credit score ; which is one of the hardest things to resolve and necessary to be eligible for pretty much anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation