vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: CA

Complaint narrative:
Keeps calling even after told me no longer to call me. Saying there some kind of agent in voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank effectively STOLE {$11000.00} from me! 
I tried depositing the check electronically. It was denied Ally claimed image was " blurry '' & I should try again with greater resolution. 
I did & check was rejected AGAIN. Ally claimed check had *already* been cashed. 

I contacted source & they looked into it : NO check had not been cashed & it should go thru normally. Problem was on Ally 's side. 

I called Ally & they kept saying " my problem '' " my issue '' etc, It sounded like they tried to cash check XXXX time, labelled it cashed WITHOUT giving me my funds & then DENIED me my funds again when I re-submitted it under their guidance. 

so they are basically BLOCKING my MONEY from me for NO REASON! 

btw, I don't know if they've classified it as cashed & no other bank will touch it or not. They gave me instructions on ow to jump thru MORE of their never ending hoops! 

If I go to anew bank, checks get a 10 day hold on new accounts, so another way Ally is separating me from my 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
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. i will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

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 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I purchased my home in XX/XX/XXXX with Caliber Home Loans who sold my mortgage to XXXXXXXX XXXX, on XXXX I refinanced my home with Caliber Home Loans. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. I have attempted to get all statements of my account from Caliber Home Loans, I have also filed disputes with different agencies. Caliber Home Loans now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXXXXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I Have recently been disputing incorrect information reporting on all 3 credit bureaus reports. I have sent in multiple letters and complaints asking for some form of proof, as the bureaus keep adding/failing to remove these items and it is effecting my ability to get funding. Not only have they made no action towards the disputed items, but they have failed to provide me with any proof of how they were able to verify this info.

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 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
They are calling me repeatedly at least 2-3 times a day when I have told them to stop calling me and Ill pay the debt when I can as Im not working right now and dont have money. They still keep calling even after I blocked the number they are still able to get thru. They call from multiple XXXX numbers

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
"

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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. ''

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> at XXXX XXXX I Used A Atm At XXXX XXXX withdrew XXXX dollars and i got the money but my card never returned i press the screen and nothing happened i went to manager and he said contact the bank I unlocked my card to do transaction and returned near the atm and noticed a XXXX XXXX on atm i empty my pockets on the floor to make sure if atm gave back my card so a guy said lock your card i said thanks i locked my card and when i got home i seen a XXXX withdraw right after my XXXX dollar withdraw i contacted XXXX XXXX  because it was the atm and they said they would assist cashapp with video footage so i disputed with cashapp they canceled my card reissued a new card that kept giving errors a cashapp worker told me whoever stole my card is still trying to use it so its declining my new card so they sent a new card again i gave cashapp my police report number and my case got denied i appealed and received email to send documents and email kept not sending

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Victim of ID Theft. Have been trying to get these accounts removed for a few years. Please assist.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Victim of ID Theft. Have been trying to get these accounts removed for a few years. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : 2022 Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, 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 2024-09-18 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 account went into overdraft for an XXXX XXXX  charge, a charge that I deposited into my account. As I was in negative because of an overdraft fee Wells Fargo placed on me, a recurring payment of XXXX XXXX  debited my account. My account was then about XXXX dollars negative. XXXX of which came from an initial overdraft fee I was trying to get reversed. While this charge debited my account, the same day the charge was refunded to Wells Fargo bank. I recieved a notice which I am attaching below that had I not brung my account to positive I would be charged another overdraft fee. I called Wells Fargo and explained to them that the charge from XXXX XXXX had already been refunded to them, and asked how could I get an overdraft fee from a charge that they already recieved their money back from. The Representative told me I was correct the money did refund but I would still be charged an overdraft fee of XXXX dollars if I dont pay my initial overdraft fee. I asked her again how can I be charged an overdraft FEE FOR A CHARGE THEY RECIEVED THEIR MONEY BACK FOR. I did not pay the overdraft fee and they charged my account another XXXX dollar fee for a transaction they recieved their money back for. I am attaching images of the charge that debited being refunded back to Wells Fargo. The message they sent me stating I would get an over draft fee, and the trasaction in which I recieved an overdraft fee from. I have already made a complain to the occ about my initial overdraft charge and will be making two more as I have incurred about XXXX now in overdraft fees from 2 transactions that we refunded to Wells Fargo 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 monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
Actions Taken : Requested XXXX to remove of the following inaccurate name ID because I have only one legal government name which is : XXXX XXXX XXXX XXXX Remove the following from my credit report, I don't have 35 names I have only 1 legal government name : XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX A XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX A A XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) ; ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

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 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated credit report reflecting the changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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:
To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated credit report reflecting the changes.

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