vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for Bank of America Mobile banking but did not purchase the deposit machine since I already had one for another business. There rule is that after the 30 day trial you have to keep the service for 24 months or they charge an early {$250.00} termination fee. We called and spoke with a representative XXXX XXXX on XX/XX/2024 ) and they agreed to cancel the service without a fee since we are depositing very few checks, but later retracted their decision and are refusing to cancel the service without a fee. First of all, there should be no cancellation fee since no equipment was purchased and I beleive in California early termination fees have been eliminated. Also the time frame of 24 months is not usual and customary. This is a fraud fee and needs to be addressed.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am being contacted at my new number for a XXXX year old debt I asked the representative is he even able to collect on this because there are statutes of limitations. Also this call started off by the rep telling me we will not sue you I mean first off this was taken out when I was just starting my teen years. The representative asked for payment from my checking account and first off I will not do so. Second this is a XXXX year old debt. What can we do to remove this from my report. 
I just want this debt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2024-09-21 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: EQUIFAX, INC.
State: GA

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 2024-09-21 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
A loan was taken out in my name. and I was took advantage of the lender doesn't match up with the inquiry on my report there is no inquiry with the name of American Acceptance LLC. I have filled a identity theft complaint this was a unlawful sale tactic I was swindle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I reviewed my credit report provided by Experian and noticed several inaccuracies related to my personal information. Specifically, there were incorrect names, addresses, and phone numbers that do not belong to me. The erroneous information included multiple variations of my name, as well as incorrect addresses and phone numbers. These inaccuracies are negatively affecting my credit report and could impact my financial reputation. 

On XX/XX/2024, I filed a formal dispute with Experian, requesting the removal of these inaccurate names, addresses, and phone numbers from my credit report. I provided supporting documentation, including a government-issued ID, proof of residence, and highlighted sections of the report showing the disputed information. 

I kindly request that the CFPB ensure Experian thoroughly investigates this dispute, removes the incorrect information from my credit report, and provides me with an updated and accurate report promptly.

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 2024-09-21 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I requested Sofi to initiate a an investment brokerage transfer from another account in my name the transfer was completed however sofi placed a 30-day hold on the funds transferred I felt that this was inappropriate they did release the funds after a 12 or a 14-day review of the funds transferred I initiated a automated moderate risk investing in a brokerage account it's sofi instructed sofi to transfer funds into the checkng and savings account sofi cleared the account and did so. On the XXXX to XXXX of XXXX after their 14-day investigation of the of the the funds transferred into the sofi account it was cleared I had problems removing funds at XXXX XXXX  I was in contact with sofi support was instructed to delete XXXX from the XXXX a banking app and to reinstall it and to proceed with the checkout again resulting in seven denied transaction as a result of inability to I'm verified that verify the pin number resulting in a security breach and locking the account so if I refuse to lift a hold and or to explain why there's a hold on the account the account has been cleared after a prior 14-day hold and in less than 20 hours the account is now Frozen again and we are reaching day nine of of the new hold so if I refuses to allow me access and or to move and transfer funds to monitor the mortgage the brokerage account so I support caused the security breach by the seven failed transactions at Dollar general resulting in an incorrect password or PIN numbers and refuses to correct their error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, Tx XXXX ( 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
Consumer complaint received 2024-09-21 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: VI

Complaint narrative:
My XXXX  loan was transferred to dept of treasury for collections. As part of an agreement with them I paid my loan current and has made monthly on time payments. My loan was to be transferred back to regular servicing by XXXX and my treasury account closed and removed and my XXXX  account brought current. It has not reflected that and both items are still on my credit report as placed for collections or charges off

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian account was hacked. No one is answering the phone and my Experian account information has been changed. I can not log in! 

Experian will not return any calls and there is no emergency number.

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 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I had XXXX unauthorized transactions. I had called and let the financial institution know. I was sent an email of the transactions which I was to either fax or reply back. I filled out the forms needed and faxed and replied. A few days later, I received an email that the complaint was denied. 

We received a dispute from you on XX/XX/year> totaling {$2400.00}, including the following transaction ( XXXX ) : Date Description Amount Disputed Amount XX/XX/year> MONEYLION PAY TO XXXX XXXX {$1200.00} {$1200.00} XX/XX/year> MONEYLION XXXX XXXX  TO XXXX {$200.00} {$200.00} XX/XX/year> MONEYLION XXXX XXXX TO XXXX {$500.00} {$500.00} XX/XX/year> MONEYLION XXXX XXXX  TO XXXX {$500.00} {$500.00} I have resent XXXX to XXXX times to get this resolved. I can't access the account at this time. I have called to get this resolved and nothing has been done. I would like to receive my money back in the form of a check because I do not want to do business with this financial institution anymore. 

It seems that someone within the institution has an account with the institution and has access to account or at least my account. 

I asked if there were any security measures to prevent that from happening and I was told no. 

Spoke to a rep and she said that it was resolved and I told her it was not and that I want my money back. She said she would email me or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: DE

Complaint narrative:
XXXXXXXX XXXX XXXX sold me a vehicle for XXXX over value. They also failed to provide me with a right to rescission notice. Fraudulent odometer readings on sales contract as evidence by photographs on the day of purchase as well as servicing details via XXXX and state car inspection. I have filed complaint with traffic enforcement as well as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Tuesday, XX/XX/XXXX my wife and I 's WellsFargo checking account must have been hacked and there was an unauthorized wife transfer sent for {$6900.00} clearing out our account. We found this out by WellsFargo sending us an email of suspicious activity on our account and they froze the account. Immediately, we filed a fraud claim report stating we did not authorize this wire transaction and were seeking to get the funds refunded to our account. In addition, we closed the accounts and opened all new ones because of the fraudulent activity on the accounts. WellsFargo has since denied our claim stating that we authorized the transaction when we did not, in fact the reason we found out about this was WellsFargo sending us an email stating suspicious activity on the account?!

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 2024-09-21 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Palisade Legal Group, PLLC
State: NJ

Complaint narrative:
I was in a debt relief program with Palisades Legal Group from XX/XX/XXXX through XX/XX/XXXX. In that time I paid them {$12000.00}. I decided to leave the group because it was costing me $ XXXX. I moved on to another company. I checked my XXXX XXXX for Palisades Legal Group and found that they only made payments to XXXX XXXX  starting in XX/XX/XXXX for a total of {$1500.00}, This account ended up in Court, other accounts were sold and others in collection. None of this happened before signing up with Palisades Legal Group. When I contacted them recently, I was told they couldn't help me with any questions because they no longer represented me. 

I have attached copies of the XXXX report as well as the spreadsheet I put together with comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: MI

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here.

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland XXXX. 
Keeps sending and old billl I had from a credit card which was send to a settlement company for A debt settlement of my bils. In the length time I was paying they did come with the right and try to collect all amount of money from the card before was on this program and after was written off and They brought this. I been disputing and not giving the write amount. Ive been sending all documents to them and they have not take me out from my credit report since I am disputing. They are on a violation of the credit report act by not giving the time to solve the dispute not taking their name on my credit report as collecting since 3 months ago. I dispute with all 3 major credit report. And I demand they remove their name as collection until this dispute gets resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MI

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX 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