vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo cleared fraudulent check Here is the action I have taken. Upon learning that check number XXXX had not been processed by the County tax collection agency, I went on the Wells Fargo website to retrieve a copy of the cancelled check. Once I copied the check, I saw that it had obviously been altered and was cashed/deposited with XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and spoke with XXXX. He reviewed the check and informed me it was marked as suspicious. He advised me to contact Wells Fargo and file a claim, which I did directly after I got off the phone with him. At Wells Fargo, I spoke with XXXX and he filed a claim. The claim number is XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo datedXX/XX/XXXX stating that the claim was denied because it was older than 30 days. I then called Wells Fargo again and spoke to XXXX ( not sure if that is correct, because he was not clear ). He informed me that someone would contact me within 48 hours. I did not receive a call, so I called again on XX/XX/XXXX. I was told they did call me and got no answer. However, I informed them that I had no missed calls and no messages. I also stated that because they cleared the obviously altered check, there were no red flags and no reason to assume there was an issue. I told him I needed the claim re-opened. He informed me again that someone would contact me within 48 hours but it would be unlikely they would re-open the claim. It has not yet been 48 hours since that call. 

Also note, the I do not received cancelled checks and the payee is not noted on my bank statements

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 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: IL

Complaint narrative:
Please see the attached letter for all information and how I would like to continue. 

This serves as notice of subrogation to CarMax Auto Finance, as they have violated our agreement and given false representations/warrants, I now am asserting my XXXX GIVEN RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: IL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-03-21 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: IL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I want to file a formal complaint against Midland Credit Management for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of this debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report XX/XX/2024. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management on XX/XX/2024 is blatantly false. I neither received any services or products from Midland Credit Management nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Midland Credit Management has not provided me with validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yet they placed a collection account on my credit report. 
Midland Credit Management has not given me a chance to dispute accounts according to XXXX XXXX XXXX ( c ) ( XXXX ) ( I ) Midland Credit Management is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. 
Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. 
The actions of Midland Credit Management constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). 
I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
i ask that this be removed off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-03-22 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My student loans have always been auto debited from my accounts. Aidvantage is not accurately deducting my account and I continue to get notices that I am delinquent due to them not deducting the full balance. I requested a manager and the manager spoke to the agent and would not come to the phone. This was my third time calling them trying to get assistance. They are threatening me with late fees and credit reporting when I have attempted to get them to resolve their system issue. I am incurring additional interest and I do not believe they are accurately reflecting my payments. I am in fear that my credit report will continue to be affected as now I received a notification that my balances are increasing instead of decreasing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The company Ally Financial keeps calling me and my family members looking for my father who is in 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-03-21 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I realized today the LVNV Funding is on my credit reports.The information being reported is FALSE and LVNV Funding never sent me anything before I seen it on my credit reports. 

I received nothing from this company notifying me regarding this alledged debt that is not mine. 

I will sware in a courtroom that this debt does not belong to me. and that I am requesting the complete proper validation regarding alledged debt that I demand be removed from all credit reporting agencies that LVNV is reporting the alledged debt to. 

I am requesting a copy of the PURCHASE AGREEMENT etc. and all documentation afforded me under Reg.F. and intend to seek legal represention regarding this matter if I am forced to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/24 i deposited my irs check for {$2000.00} on my Capital One checking account. I received an email from Capital One saying the check would be processed and available next business day. 

On XX/XX/24 i received an email from Capital One stating that availability of my funds were delayed until XX/XX/24. I also received another email from Capital One saying my deposit was successful and would be available XX/XX/24. 

Later that day i received another email from Capital One stating they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i received an email from Capital One saying they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i called Capital One to ask why i have to wait two months for my money to be available. Basically was told that they have to contact the irs to verify before releasing the funds. 

In the past i've deposited irs checks on my other bank account ( XXXX  XXXX XXXX ) with no issues and it's available within a couple business days. Doesn't make any sense why Capital One needs to hold my funds for two months to verify with the irs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
Hi Square : On XX/XX/XXXX, Square deactivated my account and informed me that my funds would be on hold for XXXX  days. After multiple emails, failed phone calls, and reaching out on several platforms, I decided to file a complaint against Square. Eventually, I received a notification that funds from my Square checking account were being transferred to me. I called asking when the XXXX in my savings account would be released and no one from

Square was able to provide any information and my bank confirmed that the transaction was never initiated. Furthermore, neither of the Square reps were able to find the transaction and even requested that I provided a screenshot showing that I was emailed about the transfer being on the way. The last representative stated that the transaction did not go through because the bank account could not be verified. However, Square made a deposit into the very same account on XX/XX/20 after deactivating my account. So it's lost on me how there is suddenly an issue with verifying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I did not initiate any of the listed inquiries on 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I want to file a formal complaint against Credit Collection Service

for egregious violations of my consumer rights. It has come to my attention after reviewing my credit report that Credit Collection Service placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. I am unaware of this debt and I have no knowledge of these debt. I hereby declare my revocation of all communication channels with Credit Collection Service including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Credit Collection Service provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. I demand the immediate deletion of this account from my credit report. The date on my consumer report indicating that I opened an account with Credit Collection Service is blatantly false. I neither received any services or products from Credit Collection Service or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. Credit Collection Service is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character.
Credit Collection Service has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. Credit Collection Service has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Credit Collection Service is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. The actions of Credit Collection Service constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account on Credit report states XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
This is my follow up request regarding the inaccurate account in my credit file. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file. This is the account that needs attaention : XXXX XXXX XXXX XXXX  Balance : {$810.00}

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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