vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I owed money to a Wells Fargo credit card. When my husband at the time left me and our kids, I had to use the credit card in order to survive. I believe I owed a little over XXXX. When I received a decent amount of money for taxes when filed in XXXX, I opened up a savings account and had XXXX transferred to the new savings account. I transferred it from my Wells Fargo checking account to my new Wells Fargo savings account that I had just opened. Due to me owing money on my Wells Fargo credit card, they took the {$XXXX} towards it. Without my knowledge. They just took my money. That was money for my kids and I to survive on. The Federal Reserve XXXX prohibits banks from seizing funds to cover credit card debt. Only loans and mortgages fall under a bank 's right to offset. So I called the bank and asked them for my money back or is there anything I could do to where I can at least have some of it back. They said there was nothing. So I transferred the XXXX dollars I had left from my savings account into my checking account and closed my savings account. What they did was illegal.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 2024-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: LA

Complaint narrative:
I sent them a Cease and Desist letter but, their Still trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was working with someone who I thought was a condo owner in XXXX. I found this person in a private XXXX vacation group on XXXX. They provided me what looked like an authentic contract for the vacation week along with a contact phone and email. They sent me photos of the property. They asked for a deposit to hold the week ( for XXXX of XXXX ). All of this seemed fine until they asked me to send the funds through XXXX to a person with a different name. They said it was a relative because they didn't have XXXX and because I insisted on using a credit card so that I would be backed in case there was an issue, they offered this solution for XXXX as they accept credit cards. In the middle of the transaction, I started to suspect this was a scam and I called the credit card right away to let them know. The transaction on XXXX said 'still processing ' when I called. I told them that it was fraud but I thought the only method to handle was through dispute. They took my dispute info right away. I then got XXXX follow up calls where the representative asked me questions. I find out today that they dispute was not approved and I am on the hook for {$XXXX}. I did not get any service for this and the person I was working with since took themselves off of XXXX. I have been a customer of Citi for a long time so this is unacceptable. I did everything right. 

The date of the transaction was XX/XX/XXXX for {$XXXX}. I would like to complain that Citi is not handling this correctly as I was very prompt in reporting this.

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 2024-11-22 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: PA

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 2024-11-22 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, these accounts were not authorized by me and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, these accounts were not authorized by me and must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent 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 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

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the XXXX  that I have on my credit report. XXXX clearly stated that they could not locate the following XXXX  records on my file. XXXX  XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result oXXXX XXXX and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 

They also said this. 
In an effort to resolve the consumers concern, XXXX initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, XXXX did not locate the following records listed below in the consumers file with XXXX : XXXX  : XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation and the consumers statutory rights will be mailed directly to them for their review. 
Disputed XXXX  record case number XXXX submitted to credit bureaus.

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 2024-11-22 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 submitted a lot of complaints regarding my concern about the removal of the XXXX  that I have on my credit report. XXXX clearly stated that they could not locate the following XXXX  records on my file. XXXX  XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 

They also said this. 
In an effort to resolve the consumers concern, XXXX initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, XXXX did not locate the following records listed below in the consumers file with XXXX : XXXX  : XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation and the consumers statutory rights will be mailed directly to them for their review. 
Disputed XXXX  record case number XXXX submitted to credit bureaus.

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 2024-11-22 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as a result of identity theft following a recent data breach. This has led to unauthorized accounts and inquiries, negatively impacting my credit standing.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, re-inserting any previously deleted fraudulent accounts violates the FCRA and is prohibited under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). 

You previously deleted XXXX XXXX Account Number : 8911 ( see attached proof ), and Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) To support my claim, I have attached the following documents, which have been accepted by other credit bureaus for the removal of the fraudulent accounts and inquiries : Notarized Identity Affidavit FTC Identity Theft Report ( Criminal Complaint # XXXX ) Proof of Address Social Security Card Proof of Removal from Other Credit Bureaus I have also included proof of my status as a victim of the Equifax XXXX XXXX, which contributed to the misuse of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-22 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: NV

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 2024-11-22 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent 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  - XXXX - XXXX - $ XXXX Fraudulent Inquiries 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 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 2024-11-22 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: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I have written to the XXXX XXXX XXXX XXXX designated debt collector agency, ConServe, regarding disputing all of the debt of {$13000.00} as of XXXX XXXX XXXX, having a student account with XXXX XXXX XXXX XXXX. My current activity on my Federal Student Aid account shows a Borrower Defense case number within my borrower defense case, as pending. Activity history within my borrower defense case an Income-driven repayment plan request. Also complete is a direct consolidation loan application and promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
In XXXX, I fell victim to 2 online scams promising to help me make money and help me become financially successful. Only to find I was being bate and switched! With XXXX  amd XXXX  cash flow. Totaling {$33000.00}, then I also invested my money in XXXX XXXX  a crypto platform in XX/XX/XXXX in the amount of {$45000.00} layer to find out it was a Ponzi scheme. I have a right to my money back. I worked hard it was my retirement money.

Company response to consumer: Closed with explanation