vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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
State: KS

Complaint narrative:
On XX/XX/year>, I received an e-mail alert that my debit card had been declined at XXXX for insufficient funds. I was not shopping at XXXX, and the account was well funded. When I checked the online portal, it showed my debit card had been used for multiple, consecutive purchases at XXXX until the account reached a negative balance. I called Wells Fargo within minutes, stopped my card, and filed a claim for all transactions. Provisional credits were given within the week. This week, I received a letter that more information was needed, for which I called the provided number. When speaking with a representative, I was told that more information was not needed, that my claims had been denied due to XXXX providing sufficient evidence that I had made the purchases, and the decision was final. I was told I could call XXXX customer service to " see if they could tell me '', though that was another dead end.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I requested to have all personal information updated with current accurate information. To this date, that information has not been updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
On Wells Fargo Credit Card ending in XXXX, Wells Fargo canceled paper statements, then send Fraudulent Charges to the Credit Card adds False payments over due, then after making a payment messages are sent stating an over payment was made, this has happened twice then Wells Fargo iT changes the payments and states, " it's an overpayment made '' I have put both Wells Fargo Credit Cards on " Freeze '' and Wells Fargo still sends payment notices, then lowered the XXXX after cyber security wire transfer. Wells Fargo continues, to change Bank Account settings, with out notice or permission

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 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am a victim of identity theft and recently received a credit alert that a debt collector " Columbia Debt Recovery '' has placed a collection account on my credit report for an apartment complex that I've never even heard of called " The crossings at XXXX ''. This account is not mine, I have never lived at or done any type of business with this crossings at russet place. I have filed a police report for this identity theft and have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NJ

Complaint narrative:
XXXX  XXXX went to XXXX XXXX XXXX, a Debt Collector, claiming I purchased a XXXX XXXX  with account # ending in XXXX. As of XXXX XXXX they claim the debt on that card was {$120.00} They also claimed I had a purchase on another account ending in XXXX, for a XXXXXXXX XXXX purchase, for {$830.00}. These fraudulent claims are now on my credit report and are negatively affecting my once excellent credit. 

They are saying it will take about 20 days to investigate. I tried to explain and dispute any purchases with said company but nothing seemed to work. When I inquired since I was disputing opening any such accounts that any future charges be stopped and the fraudulent account be closed. They said they could not do that, I would have to contact XXXX XXXX. How can I stop an account I never opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX  ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
Notice of Violation of the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply concerned about the ongoing billing and reporting errors that are negatively affecting my credit. These issues violate my rights under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), which requires creditors to accurately record payments and credits. Unfortunately, payments I made have not been properly documented, and there are obvious miscalculations in the reported balances. Adding to the problem, I was not given the legally required 21-day notice before a payment was due, making any late payment reports both invalid and unjustified. These inaccuracies are causing significant harm to my credit standing and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, I requested to have all personal information updated with accurate information. Since then, my personal information has remained inaccurate to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I had a collection account with this company. ( Eastern account system inc. ) I called them and said I would pay this off but I need it deleted off my credit report. They said it would be deleted. I then paid debt in full and only received a paid in full letter. This account is still reporting to my credit as a collection on it. I am trying to buy a house so Ive called multiple times and have requested that it be removed. Now they tell me they dont delete it off the report and have hung up on me multiple times. When asked to speak to a supervisor or a manager they say that my info has been sent to one and they will call me when they have time. To this day I have not received a call back. I did my part and paid this debt off and it should not be on my credit report anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I have almost two inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have contacted CAPITAL ONE BANK about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. This is not my account. I have never signed an agreement for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
Reached out to Equifax Consumer Reporting Agency because I noticed I had two unauthorized accounts on my Consumer Report, one account was XXXX XXXX XXXX and the other account XXXX XXXX  XXXX. Both of these accounts have inaccurate information on me and these accounts I deem to be FRAUD. Its been over Thirty days since I reached out to Equifax Consumer Reporting Agency, no one has reached back out to me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
According to my credit report by XXXX on XX/XX/XXXX a XXXX credit card was opened with a balance of {$2300.00} as of XX/XX/XXXX. It also stated that on XX/XX/XXXX a creditor opened a collections account with a balance of {$1400.00} as of XX/XX/XXXX. That is a total of {$3700.00}. There were also inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-20 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: OH

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America offset funds in my personal checking account that are SSI benefits that I withdrew from my son 's savings account with a different Bank. 

I stopped by a branch recently and opened a custodial account for my son 's SSI benefits. We are still waiting for a debit card and since my other SSI account is a savings account without a debit card, I withdrew funds out and deposited into my personal checking account. 

On XX/XX/year>, BOA offset the funds in my account and used it to cover a transaction for an old account that was closed. 

On XX/XX/year>, I called BOA and asked them to return the funds since I am a stay at home dad and the funds are my son 's SSI money.

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