vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wellsfargo have charged me over {$300.00} in overdraft fees over the last few months and Im currently on short term XXXX and payment is only enough for basic necessities but Im short on basic necessities due to all these fees. I have told them not to pay anything submitted if funds are not available. I have reached out to them on several occasions requesting a reimbursement on these fees and they have declined due to company policies. I will close the account if we cant come to a resolution on this. I need every penny of my benefits and now being left to decide between food or paying my bills.

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 2024-05-17 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: W&A Intermediate Co., LLC

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX identity theft fraud laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX law underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and showing a clear disregard for federal and local laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
Subject : Complaint Against XXXX for Inadequate Investigation Under the FCRA Dear Sir/Madam, I am writing to file a formal complaint against XXXX for failing to properly follow the Fair Credit Reporting Act ( FCRA ) in handling my recent dispute regarding an entry on my credit report from CCS Collections for {$XXXX.00}. 

Background : On XX/XX/2024, I submitted a dispute to XXXX about the XXXXXXXX XXXX account, challenging its validity. Astonishingly, XXXX responded on XX/XX/2024, claiming the dispute was resolved. Given the complexity of such disputes, it is implausible that XXXX conducted a thorough and fair investigation within just 24 hours.

Verification Efforts : In my effort to resolve this issue, I contacted XXXXXXXX XXXX  directly via their website, XXXX XXXX XXXX, to obtain their telephone number. On the morning of [ Date ], I spoke with a representative from XXXX Collections for 13 minutes. During this conversation, it was confirmed that the information on my credit report is not valid. 

Issues : Inadequate Investigation by XXXX XXXX XXXX  failed to conduct a proper and thorough investigation into my dispute. The rapid resolution within 24 hours suggests a lack of due diligence and a violation of the FCRA 's requirement for a reasonable investigation. 
Confirmation from XXXX XXXX  : My conversation with a XXXXXXXX XXXX representative confirmed that the {$XXXX} debt reported on my credit report is inaccurate. 

Request : Removal of Incorrect Information : I request that the inaccurate XXXXXXXX XXXX  account be immediately removed from my credit report. 
Proper Investigation : I request that XXXX  conduct a thorough and fair investigation into my dispute, as required by the FCRA. 

Compliance with FCRA : I ask that the CFPB ensure XXXX complies with the FCRA in handling credit report disputes to prevent such issues from recurring. 

I have enclosed a screenshot of the number I called and the duration of my conversation with XXXXXXXX XXXX, along with the details of XXXX  's dispute resolution that was supposedly completed in less than 24 hours.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Up until yesterday, XXXX, I could not get into my Equifax account. When I finally accessed it yesterday, it showed the name XXXX XXXX XXXX with birthdate as XX/XX/XXXX and multiple addresses that I never resided at. According to the first CSR I spoke with there was another birthdate showing which was XX/XX/XXXX. 

Because of these errors I missed out on being approved for a XXXX  with XXXXXXXX XXXX XXXXXXXX Mortgage. They could not import my information because of the erroneous information. The first CSR transferred me to someone who was supposed to be her superior. She argued that the information showing on my report was correct and that she didn't see the info that I was looking at. Because of that I saved that information. 
When I asked her why I couldn't get my credit report faxed to me or the mortgage company, she would only say that it had to be mailed ; which would cause it to get into my hands or the mortgage company too late. She also stated that my report was in shambles because of " internal issues. '' When I pressed her for an explanation of the internal issues she wouldn't answer. I told her that they should give me a report and make it accessible immediately to the inquiring mortgagor. Why should I suffer and be penalized for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
contacted exeter finance about the SCRA act of Louisiana and was never contacted back. The SCRA act of Louisiana states that XXXX XXXX military can not be charged over 6 % interests fees and my interest fees are still at XXXX. Section C of the below law 2011 Louisiana Laws Revised Statutes TITLE 29 Military, XXXX, and veteran 's affairs RS XXXX Limits on creditor interest rates Universal Citation : LA Rev XXXX XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts XXXX, No. XXXX, XXXX, eff. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX was the employee I spoke with. This individual stepped out of line and tried to insinuate that because I cancelled payments, despite many payments being made over the course of months and being cleared, they were able to justify putting a 26 day hold on the payment even though the account showed it was cleared a day later. 

I have closed the account on XX/XX/year> because of this conversation. The representative was rude and condescending and instead of de-escalating, made the situation worse. Capital one has the most unprofessional people working for their company. I can no longer use one of their credit cards. I'd be better off going with a higher interest credit card, because at least when you make payments with them, they allow the funds to be released. 

A rep told me a day prior that the available credit would be available at XXXX on XX/XX/year> once the payment cleared. I noticed the available credit was not available after XXXX on XX/XX/year>. This is what prompted me to call and question why. I eventually got this rude and obnoxious " XXXX '' person who was not polite at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I received a collection account on my credit report that I had no idea of I do not owe any debt in such

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry 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 2024-05-17 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: FL

Complaint narrative:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry 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 2024-05-17 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: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-17 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: AR

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I was trying to open an account through Navy Federal on XXXX, and the rep advised me I couldn't open up an account there because I had 3 closed accounts, I never banked with this institution in my life. My dad is in the service and was letting me know to get an account because I qualify cause he's active. Well she said there was an account associated with my ssn # tied to some accounts and there was fraud with a savings account, I've requested documents with my signature and also requested documents that says it's me. I went thru Identity theft back in XXXX up until XXXX, there was a host of items put in my name but this bank is not even in the city or state I lived in, so I don't know how that is even possible. Please investigate and remove, and they need to remove the inaccurate info their reporting to early warning systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reviewing my capital account and I give you some defaults on my credit report which are not correct. I want them to be corrected, please. According to the law, they say that the credit bureaus must be equal and the difference is that there is an error in my account. I need them to be corrected. corrected because I have paid point thanks capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 2024-05-17 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 2024-05-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation