vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: OH

Complaint narrative:
I am filing this complaint regarding a debt reported by Vance and Huffman LLC related to a previous debt with XXXX XXXX. The amount reported is {$420.00}. 

In XX/XX/year>, XXXX XXXX entered into a settlement agreement with the Consumer Financial Protection Bureau ( CFPB ), agreeing to forgive certain consumer debts related to their leasing practices. It is my understanding that this settlement applied to all debts owed to XXXX XXXX under specific circumstances, and the debt in question may have been forgiven as part of this agreement. 

However, despite this settlement, Vance and Huffman LLC continues to report the debt on my credit report and is attempting to collect. I requested written validation of the debt, as required by law, but Vance and Huffman LLC directed me to their website, which only provides the original debt contract. This does not meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Timeline and Actions Taken : XX/XX/year> : XXXX XXXX settled with the CFPB, agreeing to forgive certain debts. 
Date of Reported Debt : The debt of {$420.00} is listed on my credit report by Vance and Huffman LLC.

Debt Disputed : I requested validation of the debt, but the collection agency only provided a link to their website showing the original debt contract and refused to provide the additional documentation required under the FDCPA. 
My Request : I am seeking that Vance and Huffman LLC provide proof that this debt is not part of the settlement or remove the debt from my credit report due to its potential invalidity. Even if the debt is not part of the settlement, it should still not be collected or reported because XXXX XXXX  practices were part of a larger lawsuit. The company was sued for their unfair leasing practices, and the collection of these debts is contrary to the terms of the settlement and the allegations against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XX/XX/XXXX - XXXX / XXXX / XXXX Wellsfargo had an unauthorized Death Insurance Policy on me in which they notified me 15 years latter when I received a letter dated XX/XX/XXXX. 
The letter requested me to call a XXXX and provide a reference number which I did. I was than informed of the horrible truths of what Wellsfargo did against me. I requested mediation services and completed the form in which asked me what I felt would be fair compensation to settle this issue I wrote a specific amount down and reason behind it and after 2 months during the mediation phone call I felt the mediator from XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was not understanding the severity and seriousness of the issue and and therefore no mutual agreement was met between me and Wellfargo. Wellsfargo has not made this right and had compromised my personal information such as social security number, drivers license information, etc

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 2024-12-13 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: NY

Complaint narrative:
On XX/XX/2024, I sent a letter to XXXX, XXXX XXXX Expaerian at their address regarding potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and Section 623 of the Fair Credit Reporting Act ( FCRA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX, Experian and XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. Additionally, under Section 623 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of data they report to credit bureaus. This lack of transparency and validation raises significant concerns about improper data sharing, inaccurate reporting, and potential violations of federal privacy and consumer protection laws.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-13 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: GA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
The XXXX of XXXX I was scammed over the phone by a call center pretending to be customer service. I was tricked into sending {$150.00} through XXXX XXXX. XXXX  XXXX told me to contact my bank, FIRST NATIONAL BANK OF OMAHA. I contact my bank the XXXX. Im told to wait. I contact them the XXXX of XXXX to file my claim. They do nothing with my claim even after nearly a week of talking to multiple employees and managers. Manager XXXX told me I would get my funds back on the XXXX of XXXX. But on the XXXX I received an email that my claim was dismissed because It was determined that your dispute is with a company that has not billed your account even though XXXX and many, many others know that I was charged. I told them to have a 3 way phone call with XXXX XXXX to talk to them and my bank told me no, closed my case, and told me Im too loud and immature. I also have recorded phone calls of my bank that they were made aware of during that I could send if needed.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX. I opened my Comenity Bank Bread Rewards American Express credit card account on XX/XX/year>. 
XXXX. On XX/XX/year> Comenity Band emailed me telling me to activate my card. In that email there was a banner that said, " Don't miss out! Earn XXXX bonus points redeemable for a {$200.00} statement credit when you spend {$1000.00} on your Bread Rewards American Express credit card in the first 90 days! '' ( see entire email in my first attachment ) XXXX. I met the {$1000.00} spending requirement in well under the required 90 days, but never received the promised XXXX bonus points. I messaged Comentity Bank providing proof that they had promised the XXXX bonus points for $ XXXX spending within the first 90 days and asked them to post the XXXX bonus points. On XX/XX/year> Comenity send me a denial letter that said " We found your account doesn't qualify for rewards ... .The promotion 's, earn XXXX bonus points after spending {$1000.00} within 90 days of an account being opened, effective start date was XX/XX/year>. Your account was opened on XX/XX/year>. '' This XX/XX/XXXX start date is FALSE, as Comenity sent me info on this on XX/XX/XXXX, and there was no mention of a XX/XX/XXXX start date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding a recent incident involving my Sephora Comenity Bank account. I was not informed of the updated status of my account, which was frozen without my knowledge or notification.

Upon contacting customer service, I spoke with employee XXXX XXXXXXXX, who informed me that the account had been frozen because I was reportedly deceased. This information understandably caused significant anxiety. The employee then spent approximately 10 minutes attempting to determine the reason for the error. Subsequently, I was transferred to a supervisor, who clarified that the employee had misread the word cease as deceased. 

This mistake is deeply concerning for several reasons. First, such an error should never occur in a professional setting, particularly when the implications are as serious as being reported deceased. Second, the incident caused unnecessary distress and could have led to legal complications had I not pursued clarification with a supervisor. 

I find it troubling that an employee who struggles with reading or interpreting critical account information is entrusted with customer interactions. Mistakes of this magnitude erode trust in your companys ability to manage accounts responsibly. 

I request that this matter be investigated thoroughly and that employee XXXX XXXXXXXX be held accountable for this significant lapse. Additionally, I urge your team to review and improve the training and oversight processes for customer service representatives to prevent similar incidents in the future. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
There is an inquiry on my Equifax and XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-13 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and harmful entry on my credit report under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The issue pertains to a duplicate account that is reported as two separate negative accounts, which is significantly affecting my credit score.

It is clear that both entries pertain to the same account, yet they are being reported as separate. This misreporting is not only misleading but also in violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). Additionally, such errors may violate provisions of the FDCPA if the duplicate reporting constitutes misleading or unfair debt collection practices.

The duplicate entries are causing an undue negative impact on my credit score, portraying an inaccurate financial profile to creditors. This error needs to be corrected immediately to avoid further harm to my financial standing.

If you review the attached documents you will be able to notice that this account is reporting twice as two separate negative accounts. I have disputed this account as well, around a year ago and my credit monitoring service is reporting it as " account not disputed '' Duplicate Account : 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 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our house flooded in a hurricane and we made an insurance claim. The check for repairs was made out to both me and the mortgage company, Shellpoint. I sent in the required documents and the check to Shellpoint to get endorsed and the money back to complete the repairs. Per an agents advise, I sent the check ( for almost {$74000.00} ) overnight on XXXXXX/XX/XXXX and included an overnight prepaid return envelope to expedite the process. Shellpoint deposited the check into an escrow account. Several times I called to check the status and every time was told either they were missing something from me, ( which they never reached out, I had no idea they needed it and I quickly got to them ), or it was in review. During one call they said their was a question on one of the documents, but I had never been contacted. So then the timeline starts all over. Around the same time I got a letter stating Shellpoint was transferring the loan to XXXX XXXX. I called Shellpoint to inquire about our insurance claim and check and if it would also transfer. The agent advised that Shellpoint would continue to handle the claim. On XX/XX/XXXX Shellpoint transferred the money to XXXX XXXX ( unknown to me at the time ). On XXXX I called Shellpoint to inquire about the check again - a month after I had overnighted it! I was told the check was approved, they had my overnight envelope and it would be mailed in that envelope no later than Tuesday XX/XX/XXXX. On XX/XX/XXXX I called Shellpoint again because tracking was not showing the envelope enroute. I was then advised that the claim had been transferred to XXXX XXXX and I would need to now work with them. 

I contacted XXXX XXXX  and they did not have a claim and did not have any paperwork from Shellpoint. They did have the insurance money in escrow but didn't know what it was for. The loan was transferred on XX/XX/XXXX, money transferred on XX/XX/XXXX and as of XX/XX/XXXX XXXX has no documents or info? Plus on XXXX I was told the check was approved and on the way. It is now XX/XX/XXXX and I have to start the entire process over - to get my insurance money to fix the house. I overnighted that check on XXXX! 
Also, on the loss " instructions '' for both companies, it lists the exact same address for both companies, yet both deny being related to the other. oddly enough the instructions and procedures are exactly the same as well, so I am back to a long waiting process. The only difference in the documents I have received from the companies is the name on top and phone number. Mailing address for Shellpoint and XXXX are identical. So my documents, check, return envelope, etc should have had no problem finding their way to the new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
There was a payday loan that XXXX allowed for someone to open up online/over the phone in XXXX. I have attempted numerous times to reach out to XXXX regarding this fraudulent account with no success

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 2024-12-13 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:
There was a payday loan that XXXX allowed for someone to open up online/over the phone in XXXX. I have attempted numerous times to reach out to XXXX regarding this fraudulent account with no success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
There was a payday loan that XXXX allowed for someone to open up online/over the phone in XXXX. I have attempted numerous times to reach out to XXXX regarding this fraudulent account with no success

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 2024-12-13 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: IL

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 any 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 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 2024-12-13 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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