vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: KS

Complaint narrative:
The XXXX XXXX card blicked my old card from them on XX/XX/XXXX the upon calling the same day they shut the card off due to fraud then stated a new card was expedited and should arrive in XXXX business day by XX/XX/XXXX Still no card then I called and they said wait a couple more days so I did and by Friday XX/XX/XXXX I called and asked about the card they said it was delivered I stated no it was not I gave them my address and all my information they looked and it went to an out of state address so basically all my government benefit was stolen and spent I get {$XXXX} a month they went through transactions and I stated none of those are mine they closed the card and are now working on a claim to refund my money to my new card But that doesn't help me my bills are overdue now my rent is due the XXXX of every month I'm a week over due on that and have had to reach out for help for me and my daughter least to say something needs done with Direct Express I've seen they have XXXX accounts now too that are fake and others are relying on that to get help and are loosing there money too I did not fall for that though.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 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: IN

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX account on my report, as the information being reported is inaccurate.

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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed out of funds and Wells Fargo refuses to assist with the issue. I paid rent through XXXX and the owner unregistered and evicted me and because he could prove he didnt utilize XXXX ( currently unregistered ) he was awarded then, he told the court he never received funds my only course of actions was to reach out to Wells Fargo and they have failed to help. The funds need to be refunded to my account. 

XXXX 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sarma
State: MI

Complaint narrative:
I am writing to formally file a complaint against Sarma Collections , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c, in relation to an alleged debt concerning a credit card account with XXXX XXXX XXXX. 
Details of the Violation : Creditor : XXXX XXXX XXXX  XXXX : {$38000.00} Collection Agency : Sarma Collections , Inc . 
Account Number : XXXX Description of the Violation : Sarma Collections , Inc. has engaged in practices that violate USC 1692c , which governs communication in connection with debt collection. Specifically, they have : Communicated with me at an inconvenient time or place, despite being informed that such communication is not acceptable. 

Continued communication after receiving written notice that I refuse to pay the debt or wish to cease further communication. 

Disclosed information about my debt to third parties without my consent. 
These actions are not only harassing and abusive but are also in clear violation of federal law designed to protect consumers from unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
For months, the account ABSOLUTE RESOLUTIONS I ( XXXX ) has been reported on my credit history as a collection, which confused me since to this day I have not received any certified notification from the creditor, who apparently was the original creditor or the collection agency in question. Therefore, the account was transferred without my prior knowledge or consent, which means my personal and credit information was shared or sold without following the minimum procedures established by law. I filed a dispute with the credit bureaus asking how this information was being validated ; however, it did not proceed as I expected. I then made a direct inquiry to the collection agency requesting validation of this account, but my attempt was unsuccessful. Consequently, I felt the need to file this complaint to clarify the matter, as according to my investigation, the company is incurring violations of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), and 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, my mortgage with XXXX was sold to Shellpoint mortgage. ( This loan was originally made in XXXX. ) The terms of the loan were we put our paychecks into the account, and it weighed against the daily interest. When the mortgage payment was due, it was automatically withdrawn from this account to pay it. We also paid our insurance, utilities and other bills from this account. For whatever reason, in the transfer of the account, Shellpoint is treating this loan as a conventional loan and it showed us delinquent for not paying the mortgage bill? I began calling them daily from XX/XX/XXXX onward to no avail. In addition to the changing the terms of the contract, they do not show my XXXX paychecks into the account in XXXX. They simply " can not find them ''. To make matters worse, they froze the account because of the delinquency of the mortgage payment. The irony is the money I need to pay this account in in this same account ( minus my missing paychecks ). XXXX XXXX department has assured me the missing payments were cashed by Shellpoint. I have borrowed money to pay the mortgage payment and open the account but it has no money in it because my checks are missing. My auto withdraw bills from this account are going unpaid. My credit rating is holding while I borrow money from others to pay my bills. This is really frustrating, embarrassing and a little unnerving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hello, I received an unsolicited credit card in the mail from cashapp with my information on it but I never signed up for the service. My credit files are all locked but someone opened the account in my name and information. 

I tried calling their customer support to cancel the account but I was hung up on multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
On XXXX, I received a copy of my credit report and discovered that a collection had been added. I have never heard from this company concerning this debt. I do not owe this debt.

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 2024-08-10 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am filing this complaint to inform you that GM Financial has unlawfully reported an unauthorized inquiry on my XXXX consumer report. I have not given permission for GM Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with GM FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with GM FINANCIAL for review or collection. I wrote to GM Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) ( 2 ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned date without any permissible purpose, GM Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. 1681b ( f ) ( 2 ) ,15 U.S.C. 1681e ( a ). Therefore, GM Financial has committed 15 U.S.C. 1681q, which is tantamount to 18 U.S.C. 1028A. This statute invokes 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX : section XXXX of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) Bureau of Consumer Financial Protection Advisory Opinion : 12 CFR Part 1022, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : 15 U.S.C. 1681b ( f ) ( 2 ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) 15 U.S.C. 1681q 18 U.S.C. 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a
ny information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment XXXX Code : Joint account Joint Account Joint Account Account Status : Closed Closed Closed Monthly Payment : {$XXXX} - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$XXXX} {$XXXX} {$XXXX} No. of Months ( terms ) : Monthly XXXX  Months Monthly ( due every month ) High Credit : {$XXXX} {$XXXX} - Credit Limit : {$XXXX} - - Past Due : - - - Payment Status : Charged off as bad debt Charge-off Charge-off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Completed investigation of FCRA dispute consumer disagrees CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the account. of the negative charge off that was once a repossession I. asked for the auto loan copy. Never received it. I asked for important documents to this account. Never received it. Mind you, I am a cosigner and this is a joint owned account between me and the other individual who will not answer the phone to give the documents to take care of these matters. This is not my account. I'm just a cosigner The car never turned into a repository on the credit report. It was just charged off from what I've seen from from the screen. I said, I sent you an easy screenshot from

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
refer to the attachments and your respective bureau and follow instructions to delete items

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 2024-08-10 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: SC

Complaint narrative:
refer to the attachments and your respective bureau and follow instructions to delete items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I checked XXXX credit report and noticed a fake address and credit card in my name ( mis spelled ) which was not paid by the identify theft which created a low credit report rating. 

I contacted TD Bank XXXX  but the info they said they mailed out to me was supposedly returned and I never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
on XX/XX/year>, I disputed XXXX STRONG XXXX on Experian only for them to turn around and say The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. but they did not seem to mind adding an extra late payment, which is totally inaccurate on top of the already inaccurate late payment in XX/XX/year> now I have a XXXX  day late payment in XX/XX/year>. The original dispute was to remove the late payment because of an accuracy between the bureaus, XXXX was reporting on time in XX/XX/year> and Experian was reporting XXXX  days late In those XXXX things can not exist simultaneously and be correct. I asked Experian to remove it for inaccuracy because it is not correct. I had provided evidence and evidence was ignored. Now they are reporting a XXXX  day late payment for XX/XX/year> which on my report it says last payment was made on XX/XX/year>, but last time I checked was XXXX  days late from XX/XX/year> not XXXX. Also i only disputed once but somehow have to different disputes, XXXX that was verified and updated to add another incorrect payment and another one. I deserve a complete and accurate credit report and Experian is failing to provide that. I am requesting a reinvestigation and if they find anything at all that is inaccurate, incomplete, inconsistent, or unverifiable my account must be updated to paid on time never late. According to the Fair Credit Reporting Act XXXX XXXX XXXX ( XXXX ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. I sincerely appreciate your attention to this very serious matter.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Bank is reporting an account as taxable income on my credit report due to the fact that the debt has been charged off. They are continuing to update the balance as c/o on my credit report. I have not yet received a 1099C for this matter as well so that I may file it on my tax return. XXXX, XXXX, and XXXX said they do not report income, however this matter remains unresolved and continues to report negatively on my report as income. Section code 15 USC 1681eb. 

Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: LEXISNEXIS
State: LA

Complaint narrative:
On XX/XX/year>, I received an adverse action stating that I had a bankruptcy on my credit report. I filed bankruptcy over 20 years ago, the bankruptcy should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed fraudulent accounts

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 2024-08-10 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed fraudulent accounts

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 2024-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have tried for a long time to close my savings account with Navy Federal CU. They have stated that they can't close it because it is tied to a bankruptcy that I did over 12 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing this report because im an a victim of identity theft. Upon reviewing my credit report i noticed an account listed listed on my report under my name that i dont not recognize. I did not authorize this account. I have never applied or signed up for this credit card. The fraudulent account was opened without my consent.I respectfully ask that this account be investigated and removed from my credit report profiles immediately. The account is putting financial burden on my credit history. Please confirm in writing that this account has been deleted from my credit reports. I have attached an ftc identity report for the 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 2024-08-10 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: SC

Complaint narrative:
I am writing this report because im an a victim of identity theft. Upon reviewing my credit report i noticed an account listed listed on my report under my name that i dont not recognize. I did not authorize this account. I have never applied or signed up for this credit card. The fraudulent account was opened without my consent.I respectfully ask that this account be investigated and removed from my credit report profiles immediately. The account is putting financial burden on my credit history. Please confirm in writing that this account has been deleted from my credit reports. I have attached an ftc identity report for the account.

Company response to consumer: Closed with explanation