vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I disputed the charges and file a complaint with the XXXX XXXX XXXX XXXX to send a complaint to the " hotel '' and their percent company provided photos of broken tiles and thorn seats explained it all left after 2 days and was charged XXXX for that. and it was not a functional hotel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX for {$650.00} submitted on XX/XX/2023. 


I am writing to appeal the decision regarding my recent billing dispute for a stay at [ Hotel Name ] in XXXX XXXX, MD from [ Dates of Stay ]. I booked this hotel specifically because they advertised having suites with kitchens, which my family requires to observe XXXXXXXX XXXX XXXX 

Upon arriving at the hotel, we discovered it was under extensive renovations with no services- contrary to what was represented during the booking. The property was unsafe and uninhabitable, with a dumpster out front and no staff besides one person who instructed us to throw our own garbage outside. 

I disputed the charges for the unused portion of our reservation, but you sided with the hotel 's version of events without conducting a proper investigation. I have provided photographic evidence clearly showing the hotel 's unacceptable condition. 

It is unjust for you to reimburse the hotel when they misled us and failed to provide habitable accommodations. As a loyal customer for [ XXXX years ], I kindly request that you reconsider your decision in light of the supporting documents provided. Please refund the charges for the [ 2 ] nights we did not stay at the property. I am reasonable in my willingness to pay for the nights used, although the stay was extremely unsatisfactory. 

I look forward to your prompt response and handling of this appeal, as the disputed amount of [ Charge amount ] is a financial burden. Please contact me at [ phone ] or [ email ] with any questions. I hope we can swiftly resolve this issue to our mutual satisfaction. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to lodge a formal complaint against Capital One Auto Finance regarding the unauthorized reporting of a charge off on my consumer report, associated with Account # XXXX. This inaccurate information has caused serious injury to my creditworthiness, leading to multiple account rejections, including my inability to secure a home loan. As a result, I request the immediate removal of the charge off entry from my credit report. 

Additionally, I seek compensation of {$8000.00} for the violations caused by this unjust reporting. The false charge off entry has had severe consequences on my financial well-being and personal life. Due to this violation, I have been unable to obtain approval for numerous credit accounts and financial opportunities, leaving me financially strained and dependent on my family for housing. 

The impact of this inaccurate reporting has been devastating, as I am currently staying with family due to my inability to get approved for a home. The strain on my financial stability has caused immense stress and arguments with my spouse, ultimately leading to our separation. This unjust reporting has disrupted my life and has made it extremely difficult for me to achieve stability and security. 

I urgently request the Consumer Financial Protection Bureau 's assistance in conducting a thorough investigation into this matter, ensuring that Capital One Auto Finance rectifies the unauthorized charge off entry and takes full responsibility for their actions. Additionally, I request your support in securing the requested compensation as a means of rectifying the damage caused and providing some relief in this distressing situation. 

Please keep me informed throughout the investigation process, and I anticipate a prompt resolution to this complaint. Your intervention is crucial in holding businesses accountable for their actions and protecting consumers like me from unfair practices. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: NY

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX XXXX XXXX and I'm writing to formally lodge a complaint against XXXX  and their Way2Go Debitcard Program for failing to acknowledge and properly handle a dispute regarding fraudulent withdrawals from my account. 

In summary, I discovered unauthorized transactions on my account on XX/XX/2023. As required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I reported the issue through a certified letter sent via USPS within the stipulated 60-day timeframe. This action has been documented through a tracking number provided by USPS, verifying the delivery of the letter. 

However, the bank has consistently failed to acknowledge the receipt of this initial complaint, despite providing them with the tracking information. Further, they have insisted that the dispute open date is based on when they opened the dispute internally, rather than the date when I sent the certified letter, which goes against the principles of the EFTA and Regulation E.

I've made several attempts to resolve this matter with Conduent and the Way2Go Debitcard Program through their designated customer service channels. Still, these efforts have proven fruitless. Contact with the company was only initiated after I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and even then, the issue has remained unresolved. 

This communication has been primarily through email, as the contact number provided on the back of my card leads to no live assistance. The correspondence between myself and a representative of Conduent 's Way2Go Advocacy Group, named XXXX, is enclosed within this letter. 

In accordance with the EFTA, Regulation E, and potentially the Uniform Commercial Code ( UCC ) if the unauthorized withdrawals were made via forged checks, I am seeking your assistance in launching an investigation into these unauthorized withdrawals and limiting my liability to the maximum extent permitted by law. I believe that my rights as a consumer have been violated and request that this matter be urgently addressed. 

Thank you for your attention to this matter. Should you need additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Reference Case number : XXXX Account number ending in:XXXX Closed Charged off. I received a letter dated XXXX XXXX, 2022 from Wells Fargo XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( Wells Fargo ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call Wells Fargo at XXXX, I spoke with XXXX XXXX Wells Fargo customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. Wells Fargo incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my Credit History. I believe that I am entitled to relief, for each Bureau ( consumer reporting agency ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of XXXX Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to XXXX  ( XXXX XXXX XXXX  ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against Wells Fargo and satisfy the open invoice as it relates to my research of this claim.Both Wells Fargo & Company along with XXXX XXXX XXXX XXXX XXXX ) have violated my rights- In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I paid sallie mae student loan when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became Navient who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear XXXX, I am writing to file a complaint against XXXX  XXXX XXXX  Card for XXXX unprofessional and unethical practices that I experienced during my recent interaction with their customer service representative. 

On the day of XX/XX/XXXX, I was purchasing an air ticket online, when I came across an advertisement for American Advantage Card, which stated that by enrolling in their program, I would receive a discount of {$200.00}. I accepted the offer and bought the ticket, after which I realized that the card was charging an annual fee. 

I immediately cancelled the ticket and contacted the XXXX XXXX Card company to cancel my enrollment, to which they assured me that the card will be cancelled. However, I continued to receive emails from the company regarding payment of the annual fee. I called again on XXXX, XXXX. They said the card was cancelled. 

After several attempts to resolve the issue over the phone, I spoke with the manager today ( XX/XX/XXXX ) who was extremely rude and disrespectful. He refused to waive off the membership fee even after I explained the situation and hung up the phone without any explanation. 

I understand that many people may take advantage of the {$200.00} discount and then cancel, but that was not the case with me. I cancelled the ticket and immediately contacted the company to cancel the membership, and yet was still charged for an annual fee. 

I request that the company refund me the annual fee, as I was misled into enrolling for their card. Moreover, I urge XXXX XXXX XXXX to re-train their customer service representatives to be more respectful towards customers and avoid being dismissive of their concerns. 

Thank you for your time and attention to this matter. 

Sincerely, 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 monetary relief