vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding Wells Fargo Bank 's failure to execute automatic payments on my account for two consecutive months, despite my autopay being properly set up. This has resulted in the wrongful imposition of excessive interest charges on my account, totaling {$43.00} as of the latest statement dated XX/XX/year>. 

I have attempted to resolve this matter directly with Wells Fargo on multiple occasions, but no resolution has been provided. The bank 's inaction and lack of accountability are unacceptable, as this issue has caused financial and emotional distress. 

I kindly request your assistance in : 1. Investigating Wells Fargos practices regarding automatic payments and interest charges. 


2. Supervising the bank to ensure the immediate rectification of this issue.

3. Issuing appropriate refunds for the wrongful interest charges applied to my account.

4. Ensuring Wells Fargo adheres to proper banking practices moving forward.

Please find attached documentation, including screenshots of my account details and transactions, to support my complaint. 

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

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-28 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a alert on my credit i notice XXXX XXXX XXXX XXXX placed a collections on my account. I reached out to XXXX XXXX XXXX XXXX on XX/XX/year> i also filed a ftc report. Up until this point i have called emailed and done as much as i can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX # XXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX Account Number : XXXX account from my credit report. 2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc
State: FL

Complaint narrative:
XX/XX/year> **Sent via Certified Mail - Return Receipt Requested** XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Correction and Updated Request for Verification of XXXXXXXX XXXX XXXX XXXXReference Number : XXXX To Whom It May Concern, I am writing to correct an error in my previous communication regarding the request for verification of a XXXX debt charge-off. In my prior letter, I included the wrong account and reference number. Please disregard the information provided in that letter and refer to the updated information below. 

The alleged debt is now linked to the following entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Debt Originator : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I kindly request the following : XXXX. XXXX of the XXXX form issued in connection with this debt ; XXXX. Documentation supporting the original debt, including the amount owed and the date of the charge-off ; XXXX. Proof that the debt was legally canceled or forgiven, as indicated by the issuance of the XXXX form. 
If this debt has been incorrectly assigned or if there are discrepancies, I request that you update your records and inform the relevant authorities to reflect the correction. 
I appreciate your attention to this matter and kindly request that the corrected documentation be sent to me within XXXX daysXXXX of receiving this letter. This letter has been sent via **Certified Mail** with a return receipt requested for my records. 
Thank you for your time and cooperation. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding a dispute I initiated with Experian, which I submitted 30 days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes via priority mail on XX/XX/2024. I received a letter from Experian dated XX/XX/XXXX, XXXX XXXX  stating that the investigation was in process. USPS tracking indicates that the package was received by Experian on XX/XX/XXXX at XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like Experian are required to investigate any disputes within 30 days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that Experian adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If Experian is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( XXXX ) days to submit a dispute to XXXX XXXX XXXX I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( XXXX ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my XXXX passport, Social Security and XXXX ID card to help in disputing this debt. Im also submitting a copy of a brand new XXXX XXXX XXXX report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXXXXXX XXXX XXXX for over XXXX years at this facility in XXXX Georgia. We had our insurance people come in every XXXX and we had the choices to make, and XXXX XXXX  was XXXX of the choices that we can make well. I chose it and I was on it for XXXX years. I tried to get my credit record cleaned up, but nothing was ever done. I paid money upfront. They took out {$50.00} every month or so, every every month on top of the money that was deducted out of my check automatically my credit record is still in shambles, and Im very disappointed that they have done this. I would like to get my money back out of them. Dates worked XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AL

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 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My Mortgage company is : PHH Mortage and XXXX Mortgage company past mortgage loan was with OCWEN which is still on the paperwork as well. 

I called to get help with mortgage after suffering some financial difficulty after a vehicle accident and a change income status from job. When I called to get help, this is what they did to me. The company has changed the dates on when last payment was made and has not acknowledged that I asked for help when the mortgage was not late or behind. Once I asked for help, they locked me out from making payments. then told me I had to pay almost XXXX to become current and I was not even late at that point. they blocked me out for the past 7 months from making payments and telling me I had to pay different amounts to bring the mortgage current. 
They will not allow me to speak to anyone to explain what's going on or get information. They keep mailing me the same paperwork with the same dates. then when I asked for a remodification, they said declined due to late payments. after it was there faulting the payments to be late after they locked me out from making the payments. I could only make a payment if I paid XXXX. I'm in desperate need of help the mortgage company is not helping. 
They are forcing a possible foreclosure. They said it was because the value of my house is more than what I owe on the loan, and they come out better taking the house and selling it for what the going market is for my location. I don't understand real estate laws and I think somewhere along the line this is illegal. They refuse to allow me to speak to a higher person each time a call they keep telling to file for a remodification and then send paperwork saying declined with the same dates. I need help immediately. I keep getting paperwork from different mortgage companies with different dates. 
They even changed the date of when the mortgage got behind after I asked for help before the mortgage became late. they locked me out from making payments which forced me to become late. Now they trying to foreclose on my house. 

I really need help. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account opened with XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have responded to the CFPB complaint but failed to certify that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions. Liability for this debt has not been lawfully established.

Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Nothing happened I need money back address changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
My loans are being reported as late, I have never been late due to in school deferment.

Company response to consumer: Untimely response