vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service Department Wells Fargo Bank XXXX XXXX Subject : Complaint Regarding Account Closure Without Notification and Request for Compensation Dear Wells Fargo Customer Service, My name is XXXX XXXX XXXX, representative XXXX XXXX XXXX XXXX XXXX  ( Document Number : XXXX XXXX XXXX : XXXX, ITIN : XXXX ). I am writing to express my dissatisfaction with the unnotified closure of two business accounts with your institution and to formally request the return of the withheld funds, as well as compensation for the financial damage this has caused to my business. 

The accounts in question are as follows : Checking Account : Number XXXX, with a balance of {$4900.00} at the time of closure. 
Savings Account : Balance of {$690.00}. 

I fully understand that Wells Fargo has the right to close accounts at its discretion. However, I was not informed of this action in any wayI did not receive any formal letter, notification, or communication advising me of the account closures. Furthermore, despite the passage of over a year, I have yet to receive a check for the remaining funds, which has created significant challenges in managing my business finances. 

The abrupt and unnotified closure of these accounts has had severe financial repercussions, driving XXXX XXXX XXXX XXXX toward insolvency due to my inability to meet ongoing obligations. This situation has directly harmed both my business and my personal finances.

Given these circumstances, I am seeking : 1. The prompt return of the funds held in both accounts.

2. Compensation for the financial damages and economic loss caused by the lack of communication and delay in the return of my funds. 

I trust that Wells Fargo will handle this matter with the urgency and care it deserves. Please feel free to contact me at your earliest convenience should you need additional information. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX 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 2024-10-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Mathew Aaron Holdings Inc.
State: CA

Complaint narrative:
I signed up with XXXX XXXX ( GRT Financial ), and they sold me a way to have them dispute my XXXX XXXX and other credit cards to settle debts up to half the amount. 
Unfortunately, they did settle a {$35000.00} balance and settled it at {$25000.00} ; however, they added a " settlement fee '' of over {$8800.00}! This basically put the settlement back to over {$33000.00}. I'm finally able to pay off my debts after going through financial hardship ; however, GRT Financial refuses to reduce the burden they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/year>, I received an unexpected call from a debt collection agency ( IQ DATA ) demanding immediate payment of a final bill totaling {$910.00} from my former apartment in XXXX, California. Prior to this call, I had not been contacted in any way by this debt collectornot by letter, email, or any other form of communicationnor was I informed that this agency would be taking over the debt. The representative insisted that failure to pay immediately would result in a negative report on my credit, putting intense pressure on me to settle the bill on the spot. Under pressure and fearing potential damage to my credit, I paid the amount during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I am writing to formally request the removal of an inquiry from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following unauthorized inquiry : Unauthorized Inquiry to be Deleted : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I am writing to formally request the removal of an inquiry from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following unauthorized inquiry : Unauthorized Inquiry to be Deleted : XXXX XXXX Date : XX/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 2024-10-30 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: NJ

Complaint narrative:
The FOR PROFIT credit reporting agencies are reporting data from a YEARS OLD XXXX XXXX account # XXXX WITHOUT MY CONSENT, along with inaccurate payment data. This account was NEVER in collections. Regardless if it was or was not, I never gave written ( hand or electronic ) consent for this account to be included on MY consumer credit report. They continue to deny my requests for deletion citing meets FCRA requirements. Just based off of 1681 602A they ARE NOT meeting the CONGRESS WRITTEN REQUIREMENT, amongst others : 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681B states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I DEMAND this OLD XXXX XXXX account be DELETED IMMEDIATELY.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Hi, Couple of things : Any outstanding balance was already paid to the original creditor ( XXXX physical therapy ) and there is no outstanding balance. 

I received no written notice about this debt nor did I receive any notice that a debt collector was trying to contact me. 

The debt collector damaged my credit for a small sum of money ( {$85.00} ) without properly notifying me that there was an attempt to collect a debt. Ive never received any written notice from this debt collector. Any outstanding balance from XXXX was paid directly to XXXX in XXXX. 

The amount this damaged my credit far exceeds the sum of the amount owed. This illegal attempt to collect a debt I do not owe reduces my score by nearly XXXX points. We are looking to refinance our home and this significantly increases the cost of the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that was in fact paid on time. Late payment date XX/XX/year>. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-10-30 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:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be removed from my credit file : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-10-30 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: CITIBANK, N.A.
State: RI

Complaint narrative:
Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.

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 2024-10-30 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: OH

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX - XXXXThis account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2024-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because Collection XXXX XXXX XXXX  open XX/XX/XXXX account number XXXX is not my account and has another social security number that is not correct, this account is not accurate. 

Can you look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: CA

Complaint narrative:
My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: NV

Complaint narrative:
XX/XX/year> identification is verified by application, and a negative zero dollar balance prevents use of open credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
NetCredit didnt report payment plan arrangement agreedment in payment status when they reopen the account after being closed. In XXXX, XXXX, XXXX,, XXXX, when noticed Payment status reported XXXX/XXXX/XXXX late XXXX times total. Inaccuracies in the account close date. ( XXXX was a close date ) until now XX/XX/XXXX listed as a close date now. Payment amount reported XXXX in the payment box a couple months ago, reported as XXXX when the original account was open. The Company made inconsistent reports time after times during my disputes process and has not been resolve since close year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-30 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: DISCOVER BANK
State: DC

Complaint narrative:
Someone charged on my Discover card ( no frozen ). I never knew the charge existed. Meanwhile, I was charged late fees and interest. I DID speak with Discover and they reversed all charges and now have a credit on the account. It is in great standing. XXXX would not change it in the report.

Company response to consumer: Closed with non-monetary relief