vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
( 2- ) I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatement or omission of material facts constitutes a federal criminal violation punishable under 18 u.s.c 1001.

Additionally, any false statements are punishable as perjury under 10 u.s.c 1621. This collection that is being furnished in my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization used my personal identifying non- public personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well. They are also reporting the same account on XXXX with two different amounts and the same account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a serious case of fraud and mismanagement by Wells Fargo Bank, which has left me feeling helpless and vulnerable. On XX/XX/2024 i deposited {$9100.00} in cash at a Wells Fargo in-person branch location. However, when I reviewed my account online, I was shocked to see that only {$7100.00} was reflected in my account. The remaining {$2000.00} is missing. 

I did not notice the discrepancy immediately because my online access was locked, and I had to visit the branch in person to resolve the issue. Unfortunately, when I went to the branch, I was told that there was no record of the discrepancy and that I would have to wait for the issue to be resolved. However, after multiple visits and phone calls, the issue was not resolved, and I was left with no explanation for the missing funds. 

I am not surprised by this outcome, given Wells Fargo 's reputation for engaging in fraudulent and illegal activities. As you are aware, the bank has been ordered to pay over {$2.00} XXXX in customer refunds due to its illegal practices, including over {$1.00} XXXX for auto lending tactics and over {$500.00} XXXX for surprise overdraft fees and other misconduct related to deposit accounts. 

I am writing to request your assistance in resolving this matter and recovering my stolen funds. I am a hardworking individual who is struggling to make ends meet, and I am finding it increasingly difficult to pay my rent and other essential expenses. The loss of my {$2000.00} is a significant financial burden for me, and I am unable to continue fighting this issue on my own. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Wells Fargo accountable for its actions. I also request that you provide guidance on how to recover my stolen funds and ensure that Wells Fargo takes steps to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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 explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately reported, and I request its removal. I am entitled to {$1000.00} for each incorrect entry on my credit 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 2024-05-25 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX  ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) The issues with this account are as follows : 1. **No Contract with XXXX : ** I have no contractual relationship with XXXX. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with XXXX invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-05-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of buying a new home and i can't move forward because of those inquiries. Kindly remove them as soon as possible : XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXXXX inquiry date XX/XX/2023 XXXX inquiry date XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: UT

Complaint narrative:
I am writing to dispute the following information on my credit report. I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX, and have confirmed that the reported information is incorrect. Below, I detail the inaccurate information : Account : XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Type of Inaccuracy : XXXX late payment Date Reported : XX/XX/2024 Account : XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Type of Inaccuracy : XXXX late payment in XXXX and XXXX Date Reported : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate and verifiable information included in my credit report. Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies must investigate any disputed information within 30 days. This information reported by XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this dispute and remove the incorrectly reported late payments from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Continental Finance Company , LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.

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 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute Regarding the Reporting of My XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to inform you of a discrepancy that I have been experiencing with XXXX regarding the reporting of my XXXX XXXX account. Despite my communication to both XXXX and the respective reporting agencies, XXXX XXXX XXXX XXXX, TransUnion, XXXX, and XXXX, that I do not authorize the reporting of payments on my account, my concerns have yet to be addressed appropriately. 

According to 15 USC 666, a statute that establishes general provisions relating to powers and duties of banks and banking institutions, I am protected against any unauthorized reporting of my account. The situation also falls under 16 CFR 313, the Privacy of Consumer Financial Information rule. This rule, particularly 16 CFR 313.7, regulates the conditions under which a financial institution may disclose nonpublic personal information about a consumer to nonaffiliated third parties, which I believe has been violated in this case.

In relation to 15 USC 6802 and 15 USC 6801, which outline the obligations relating to the disclosure of nonpublic personal information, I reiterate that I have fulfilled my obligations and discharged the balance for the card. Consequently, I request for the reporting to reflect that my account has been paid off.

As per the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692, a law that seeks to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, I am protected from inaccurate reporting. I therefore urge you to assist in rectifying the inaccuracies in the reporting of my account.

Finally, I would like to draw your attention to 15 USC 1681, which forms a part of the Fair Credit Reporting Act. This statute underscores the importance of the accuracy and privacy of information and protects consumers from the perils of inaccurate information. 

I am confident that this matter will be handled judiciously and I look forward to the resolution of this matter. I would like to express my gratitude to the Consumer Financial Protection Bureau for its assistance in ensuring that my account is updated accurately and in good faith. 

Thank you for your time and consideration. 

Sincerely, 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 2024-05-25 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: CA

Complaint narrative:
Subject : Dispute Regarding the Reporting of My XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to inform you of a discrepancy that I have been experiencing with XXXX regarding the reporting of my XXXX XXXX account. Despite my communication to both XXXX and the respective reporting agencies, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Equifax, that I do not authorize the reporting of payments on my account, my concerns have yet to be addressed appropriately. 

According to 15 USC 666, a statute that establishes general provisions relating to powers and duties of banks and banking institutions, I am protected against any unauthorized reporting of my account. The situation also falls under 16 CFR 313, the Privacy of Consumer Financial Information rule. This rule, particularly 16 CFR 313.7, regulates the conditions under which a financial institution may disclose nonpublic personal information about a consumer to nonaffiliated third parties, which I believe has been violated in this case.

In relation to 15 USC 6802 and 15 USC 6801, which outline the obligations relating to the disclosure of nonpublic personal information, I reiterate that I have fulfilled my obligations and discharged the balance for the card. Consequently, I request for the reporting to reflect that my account has been paid off.

As per the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692, a law that seeks to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, I am protected from inaccurate reporting. I therefore urge you to assist in rectifying the inaccuracies in the reporting of my account.

Finally, I would like to draw your attention to 15 USC 1681, which forms a part of the Fair Credit Reporting Act. This statute underscores the importance of the accuracy and privacy of information and protects consumers from the perils of inaccurate information.

I am confident that this matter will be handled judiciously and I look forward to the resolution of this matter. I would like to express my gratitude to the Consumer Financial Protection Bureau for its assistance in ensuring that my account is updated accurately and in good faith. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: WA

Complaint narrative:
I am writing to contest inaccuracies on my credit report. I've noticed discrepancies that lack proper verification, casting doubt on their accuracy. As per legal requirements, I urge you to ensure all reported information meets accuracy standards. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to validate each account 's accuracy and legitimacy. I request evidence for this verification process, including permissible purpose for inquiries. 

I grant a month for investigation. If unable to provide evidence of accuracy and compliance, I request updating erroneous entries to reflect timely payments. Please provide physical proof of actions taken and send an updated report. 

Specifically, the account with XXXX The account has been paid on time consistently, as per 15 USC 1666B . Please correct this error promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one bank account still reflects derogatory information even though the account is paid as agreed and charged off. And they are still inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: NJ

Complaint narrative:
I have no knowledge of this account with XXXX XXXX XXXX acct XXXX. I was a part of the XXXX data breach and my personal info was exposed. This is affecting my fiinances and ability to obtain creddit. Please remove from my credit 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 2024-05-25 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: AZ

Complaint narrative:
To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX ORIGINAL CREDITOR XXXX XXXX  ACCOUNT NUMBER # - XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report.

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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