vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I wrote a letter identifying the errors that is in my car contract that is now affecting my new contract because the information and amount financed is incorrect. According to XXXX  XXXX advertising laws, truth in lending act and regulation z. There have been multiple violations in this contract do to deceptive practice. On XX/XX/XXXX I was Over charged by XXXX to XXXX XXXX dollars dealing with the imposition of finance charge being added to the wrong box, documentation fee keep protection fees, service contracts being added which, according to XXXX  laws should have been added into the advertise priced a {$690.00} added to the advertised price that does not show why XXXX for gap insurance which is also a finance charge and should have been subtracted from the amount financed according to regulation Z. The amount finances incorrect due to these misleading in the XXXX of practice from American credit acceptance. They are also stating that they did not receive my letter, but I have a return receipt with XXXX XXXX name who signed for on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank, Wells Fargo has levied XXXX dollars in overdraft fees over the last 4 months. My account has never overdrawn for more than a day, and each has been caused by a banking related delay, not a lack of cashflow. 

They refuse to consider reversing these fees which amount to unreasonably inflated interest charges.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FinCo Services Inc DBA Current
State: NE

Complaint narrative:
On XX/XX/year> I recieved a deposit for {$300.00} from my employer, the account number was missing XXXX digit making it a no existing account it was getting deposited to. From XX/XX/year> up until today XX/XX/year> I have contacted ( Current ) at least XXXX  times via chat support, XXXX  times via XXXX, and XXXX via phone call, to have them return the funds to my employer so they could resend them to me, but all they keep saying is that, they never recieved the funds ( even though my employer has showed me receipts stating it was paid ) they keep saying the funds should be returned between XXXX days even though I've let them know it's been longer than that and it still hasn't been returned, and all they keep saying it's not their fault I put in the number incorrectly and that somehow my employer needs to fix it? Yet their establishment has my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Failure to Honor Pay-for-Deletion Agreement and Removal of Dispute Remarks To Whom It May Concern, I am writing to file a formal complaint against Credit Collection Services, located at XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX for failing to honor a verbal agreement to delete two paid collections from my credit report and for keeping dispute remarks on one of the accounts, which is affecting my ability to secure a mortgage. 

Background : I agreed to settle XXXX accounts : Account # XXXX, originally by XXXX XXXX XXXX XXXX, Account # XXXX, also originally by XXXX XXXX XXXX XXXX. 
Before making the payments, a verbal agreement was made that upon settlement of the debt, both accounts would be deleted from my credit report. Based on this agreement, I proceeded with the payments. The only reason I paid was to improve my credit, despite not fully recognizing the debts. However, more than 6 months have passed, and these accounts remain on my credit report, contrary to the agreed-upon terms. 

Dispute Remarks and Their Impact : When applying for a mortgage, the bank informed me that there were dispute comments on one of these accounts, specifically Account # XXXX, and these remarks were hindering my mortgage application. On XX/XX/year>, I sent a dispute letter requesting the removal of these remarks and that the account be cleared entirely. However, the dispute remarks are still present on my report, which violates my rights under 15 U.S. Code 1692e False or Misleading Representations. 

Second Dispute Failure to Investigate : On XX/XX/year>, I sent a dispute letter concerning Account # XXXX, requesting reinvestigation due to discrepancies in the balance being reported. Despite this request, no investigation or correction has been made. This failure to investigate violates the Fair Credit Reporting Act ( FCRA ). 

Impact : These inaccuracies have severely impacted my credit, preventing me from obtaining a mortgage. The continued reporting of these paid debts, coupled with the presence of dispute remarks, is misleading and unlawful. 

If this issue is not resolved promptly, I will file a lawsuit to seek legal redress for the damages caused, as this violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XXXX I thought I was sending a wire to my closing attorney to purchase land in SC. I wired {$61000.00} to an account with the name of XXXX XXXX XXXX XXXX. Bank  : CitiBank. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Routing # XXXX. Account Number : XXXX My closing was on XXXX and this is when my real estate agent, myself, and the closing attorney discovered that all our emails had been hijacked, documents stolen and wire instructions were replaced to have me send this money to a completely different account. I immediately called XXXX and told them what was going on, as this is where the money came out of. They put in a wire transfer stop that afternoon. I filled out a FBI report as well as reported it to my local police department. 

Since then, XXXX put in another request at the end of XXXX. I am not positive on the exact date, maybe the XXXX. They told me they did this because they had not heard back from CitiBank. I have called into CitiBank a couple of times and they refuse to talk to me with the reasoning that I am not the account holder, even though I am talking to their fraud department. They have told me that they will only speak to my bank, yet they have yet to respond to my bank. 

Over a month later, I am going in circles and don't even have the simple answer of was that money still in the account. How was that account even set up under a name that was certainly not the person they said they were? Feels like CitiBank is protecting criminals.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NC

Complaint narrative:
I am a victim of FRAUDULENTLY REPORTING OF ERRONEOUS INFORMATION. Experian and XXXX are still reporting inaccurate information from XXXX XXXX XXXX XXXX on my credit report. Company is in direct violation of 15 USC 1692e False or misleading representations. I have EVIDENCE from the CFPB website that XXXX has already removed the account from my credit report for the violation of 15 USC 1692e. CFPBCOMPLIANT # XXXX. Pursuant to the Fair Debt Collection Practices Act. 15 USC, Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of 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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXXXXXX Dear CCS COLLECTIONS 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 ofany 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 thevalidity 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2024-10-17 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-17 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: Block, Inc.
State: IN

Complaint narrative:
I did an appeal for the alleged violation that they can't come up with a violation there ain't no violation the appeal was denied they claimed that I violated one of their guidelines but they can't tell me a guideline I violated. Breach of contract I'm trying to get it resolved still it won't resolve so it's in your hands now thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-17 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
After several attempts of contacting the credit bureaus and synchrony XXXX  XXXX  Lowe 's to add the account to my credit profiles the account was never added to my XXXX XXXX or XXXX. The account number is 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 2024-10-17 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: GA

Complaint narrative:
I am reaching out for your help concerning the false account on my credit report. This situation has hurt my reputation as a customer, and I need your support. I want these wrongly reported accounts removed due to their negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
Met into a car accident while backing up at XXXX XXXX XXXX XXXX XXXX ( private property ). Called cops as opposite lady was aggressive, cop said I can not write a report as it is a private property and it is 50-50 as both of you were backing up. There insurance contacted my insurance and they denied to pay. They opposite party insurance started to send me bills and later send it to collection office. Collection office initilially called me multiple times, threatening you are responsible for it no matter it is 50-50 as you were not covered. Later I informed them I am medical student and please do not call as it distrubs my exam and classes. Later they kept sending mails threating to suspend my license and trying to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
A few years ago I cosigned for a car loan For my son and it went through XXXX. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.

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 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2024-10-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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