vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
I knew the economy was tough, but after reviewing my credit report, it's painfully obvious which one is in worse shapemy report is full of inaccuracies, and the stress its causing is overwhelming. As a consumer, I have rights that I intend to uphold, but dealing with this situation is incredibly disheartening. What makes it even worse is that the financial toll of these errors is so severe I wouldnt even be able to afford a therapist for the stress, since my cards are likely to get declined with my credit score dragged down by all this false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been a customer of WellsFargo. Bank allows to open a CD on-line on their website but does not allow to close it. We must go to a branch to close it. Many Banks in the US and overseas allow to open and close CDs on-line. 

During Covid time, Bank allowed to close CDs on-line. Now it looks like Bank took it out from customers. 

I had a CD matured on XX/XX/XXXX and I could not go to a branch to close it as I was busy with my job. Since I could not get time to go to a branch, the CD got rolled over with 1.2 % from 4.1 %. I went there on XX/XX/XXXX to close it. They helped me to close it but charged me {$25.00}. This is weird. 
Wells Fargo allows to open a cd online but not to close it on-line. 

Branch : Wells Fargo XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. Phone : 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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Response to CFPB Complaints Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Yamaha On XX/XX/XXXX, I submitted CFPB Complaint ID XXXX, requesting the original agreement from Yamaha Motor Finance Corporation , USA ( `` Yamaha '' ). Despite a billing error with the original creditor, XXXX XXXX ( " XXXX '' ), and Yamaha, you have failed to provide the requested documents or address this issue. 

In CFPB Complaint ID XXXX, XXXX XXXX XXXX. ( " XXXX '' ) failed to prove ownership of the alleged debt. I dispute any and all debts claimed to be owed. Under 15 U.S.C. 1692g ( b ), collection activities must cease unless you produce definitive proof of ownership, including the full chain of title and purchase agreement. Failure to do so demonstrates a lack of standing and constitutes violations of the FDCPA and FCCPA. 

Additionally, XXXX XXXX, as a lawyer with your firm, qualifies as a debt collector under XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). He and all other parties involved will be held accountable for willful violations of the law. 

Without the chain of title, as confirmed in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ), you lack legal standing to enforce this debt. Your actions are causing ongoing harm and distress. 

Failure to provide the requested documents will confirm your agreement for me to pursue legal action against all parties involved. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
This information is inaccurate and I need it removed from your system.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
I needed a little bit of money to help cover rent. Uprova was offering me {$1200.00} loan receiving the money right away. I was on the phone with them while signing for the loan and they were explaining the contract but did not explain that interest was 540 % or that I would be paying {$240.00} for every two weeks for 18 payments. I would never sign a loan knowing that information. I am in a financial hardship due to school and living on my own and struggling to make payments. I tried to ask them if I could pay less each month, or change the days that the loan hits because I was going negative every time it hit. They said if I wanted to change days ( still twice a month ) the payment would go from {$240.00} to {$270.00}. I didn't understand how that made any sense and they wouldn't explain it to me. So right now I am paying {$240.00} every two weeks. I have made 6 payments already which is {$1400.00} and I still have 12 payments of that {$240.00} left before I finish and that feels illegal to me.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XX/XX/year> Conserve XXXX XXXX XXXX XXXX, NY XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together. 



Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with the promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Notification and Request for Action Dear EQUIFAX I am writing to notify you that I am a victim of identity theft and to formally request that you take the necessary actions as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice of fraudulent activity and a request to place a fraud alert and block any fraudulent accounts associated with my name or personal information. 
Details of the Identity Theft : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last 4 digits ) XXXX Address : XXXX TOWN CASTLE WAY I have already filed a police report regarding this matter. Please find the details of the police report below : Police Report Number : XXXX Date of XXXX Issuing Police Department : XXXX XXXX XXXX In accordance with the FCRA, I request that you take the following actions : 1. Place a Fraud Alert : Please place a fraud alert on my credit file as required by the FCRA. This will help prevent further fraudulent accounts from being opened in my name. 
2. Freeze or Block Fraudulent Information : Please block any fraudulent accounts that have been opened in my name. This includes any credit or loan accounts that were opened without my knowledge or consent. 
XXXX. Provide a Copy of My Credit Report : I am requesting a free copy of my credit report as I am entitled to one under the FCRA after reporting identity theft. Please send me the report at the address listed above.

I have enclosed a copy of the police report, my government-issued identification, and any other documentation that may assist you in investigating this matter. 
Please confirm in writing that the fraud alert and account blocks have been placed and provide me with updates as you proceed with your investigation. I would also appreciate it if you could inform me of any other steps I need to take. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX FRAUDULENT ACCOUNTS : ALL OF THESE ACOUNTS ARE FRAUDULENT XXXX  ACCOUNT NUMBER XXXX AMOUNT {$1000.00} XXXX  ACCOUNT NUMBER XXXX AMOUNT {$1500.00} XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER XXXX XXXX XXXX  XXXX XXXX ACOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX ACCOUNT NUMBER- I XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX- ACOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ( XXXX XXXX ) -ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The accounts listed below are fraudulent and do not belong to me. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. AFFIRM XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries Linked to Fraudulent Accounts : XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  Date : XX/XX/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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found hard inquiries on my report that I didnt authorize. They breach 15 USC 16c-2, so please delete them.

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 2024-11-19 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$2300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$370.00} INQUIRIES : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-11-20 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10.00} XXXX XXXX XX/XX/XXXX {$470.00} Late Payment XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiries NAME : XXXX XXXX XXXX XXXX Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NC

Complaint narrative:
Reason : As outlined in 15 USC 1611, XXXX, XXXX, and Equifax are in violation of federal statutes, including the unlawful reporting of alleged debts. These actions constitute a violation under 15 USC 1640, making them liable for twice the amount of any finance charge. Additionally, they are accountable for breaches under the FDCPA, specifically 15 USC 1692k. I am formally requesting the immediate removal of this alleged obligation from my consumer credit reports and seek compensation for these violations. The reporting of an alleged debt on a credit report is in direct violation of 15 USC 1692b ( 2 ). Such actions also amount to advertising specific payments, which is prohibited.

I hereby demand that these entries be expunged from my credit file immediately as they infringe upon my rights as a consumer protected under federal law, specifically Title 15, Section 41. Regarding the accounts in question, I am requesting their complete removal. 

Copies of this communication will be sent to the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX State Senators, the FDIC, the Comptroller of the Currency, the Federal Reserve System, and other relevant regulatory bodies, including the Federal Trade Commission and state-level authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Milestone MasterCard with open on XX/XX/year>. I have no recollection of some of these fees on the card, transactions, and these interest rates. There was a charge on their for over XXXX something dollars that I do not have knowledge of. I I try to communicate with them no one return my calls after being told. The account was closed and I did not receive as of today a XXXX. There are still being late fees or updates on my credit bureau that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company refuses to provide contract for business for dates in question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief