vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good afternoon, I hope this email finds you well. I am writing regarding a recent issue I encountered with my Capital One XXXX  account. As of today ( XXXX ), I discovered that my account was terminated by Capital one XXXX. They sent me a template email explaining this : " Hello XXXX, We regret to inform you that your Capital One XXXX account has been terminated. We retain the right to terminate your account for any of the reasons described in our terms of service. Termination commonly occurs for one of the following reasons : A user attempted to obtain referral-based Shopping Rewards based on creation of duplicate accounts, fraud, or through other impermissible means outlined in our terms of service A user used Capital One XXXX  in a manner consistent with the reselling of goods or services A user attempted to redeem Shopping Rewards for which they were not eligible A user engaged in other impermissible activity outlined in our terms of service Additional information on our policies and practices can be found in our Terms of Service. 

We appreciate your understanding. '' Allow me to explain why I firmly believe this situation does not stem from any inappropriate or mistaken activity on my part. 

Capital one XXXX  sent me emails to encorage me purchase items from various websites and promised to provide a rebate reward after completion of the order. 

All my purchases have been made strictly for personal use and not for resale purposes. To date, I have purchased : An XXXX XXXX ; XXXX XXXX monthly plan ; An XXXX ( bought with XXXX  ) ; XXXX, XXXX, and XXXX XXXX makeup products ; XXXXXXXX XXXX XXXX and a XXXX  cast iron pot ( though Capital One XXXX failed to track for these items ). 

If required, I can provide photographic evidence demonstrating that I use these products regularly in my daily life.

also, this is the only account I own, and there are no duplicate or fraudulent accounts associated with my identity. My account is exclusively linked to my Capital One Venture credit card, further ensuring that duplication or fraud is not a possibility. 


If any of the aforementioned items are deemed ineligible for reward redemption under Capital one XXXX XXXX policies, I would expect those orders to be appropriately marked as such. However, a broad, unexplained restriction on all rewards is unwarranted and seems inconsistent with fair account management practices.

By the time my account was terminated, I still have {$780.00} in my account.

I attached a screenshot of the orders I made with them ( the screenshot was taken before my account was banned ).

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Credit Profile has been used & abused and I didn't give my consent to check my credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
So in XXXX Wells fargo closed my account held my va deposit for more then 10 days with no explanation for why. I had to physically go to the bank everyday and call a number the bank manager dialed for me to find out what was happening they were rude and hung up or told me nothing for 2 weeks straight. I only ended up getting XXXX in micro payments but my direct deposit was for XXXX. After that forward XXXX irs said my tax payments stimulus child tax credits were being sent to a Wells fargo account I no longer used Wells fargo but I went in to the branch and had them search for any open accounts with my name or XXXX name they said I had none ok so XXXX I had a XXXX dollar cd reaching 10yr I deposited in XXXX they could not find. Then this week I receive a cashiers check for a dispute with them unknown time and or what for when calling them to ask about it the check is for XXXX dollar only for my unavailable funds at the time of dispute. It says to deposit it at a atm but that would need an open account I still have the check becuase it doesn't reflect the correct adjustments.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian Credit Report and there are many variations to my name reporting on my credit report that I would like to have permanently deleted. 
Below is a list of the names reporting on my credit report that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The only name that should report to my Experian Credit Report is 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 2024-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
CAINE & WEINER has been attempting to collect a debt that they don't have any rights to according to UCC 3-203. and has also given my information away to consumer reporting agencies infringing on The Privacy Act of 1974. 3-203. I have never done business nor has had a contract with CAINE & WEINER. Transferring a security doesn't give rights to whoever it transferred to and only the original creditor can come after me, which is who I signed with, but they lost their rights once they transferred. UCC 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-01 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:
Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. This letter is being sent under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which requires that furnishers of credit information report only accurate and verifiable information. 

The account in question is as follows : 1. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX This account is reporting a balance despite the fact that such reporting may violate consumer law and IRS regulations concerning the discharge of indebtedness. 

According to XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form is evidence of an identifiable event of debt cancellation under IRS regulations . Specifically, Identifiable Event Code 7 states that a discharge of indebtedness occurs due to a decision by the creditor to discontinue collection activity and cancel the debt as part of a defined policy. 

If a 1099-C form has been issued for this account, it signifies that the debt has been canceled. Reporting a balance for a canceled debt is not only inaccurate but also misleading under the FCRA. This inaccurate reporting is damaging my credit and must be addressed immediately. 

Demands : Verification of the Account Balance : Provide evidence showing that the balance being reported is accurate and collectible. 

Provision of the 1099-C Form : If a 1099-C form has been issued for this debt, provide a copy of the document as proof of the identifiable event. 

Immediate Deletion of the Account : If the debt has been discharged under Identifiable Event Code 7 or can not be verified, this negative information must be promptly deleted from my credit report to comply with the FCRA. 

Under the FCRA, I expect your investigation to be conducted within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information or provide the requested documentation, you are required to remove this account from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your resolution and a written confirmation of the results. 

Sincerely, 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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This company this company is violating my rights. Ive disputed this account several times they they failed to validate the debt. It is messing up my credit report and my reputation as a shopper. Its destroying my shoppers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Loan # XXXX I was qualified for a XXXX  XXXX but Wells Fargo refused to work with me, ' Wells Fargo refused to give me a loan modification then refused to let me short sale the house then refused to let me turn in keys in deed of liue. Kept the house in my name and continue to charge me fees, insurance, mortgage payments even though I no longer had access to the house. Then about a year later Wells Fargo sold the house in an auction and did not give me any of the profits. In fact they on purpose delayed the process out so that they could use all profits for them selves. 
I suffered credit damange and was not allowed a way out even thought I had no access to the house. I was locked out.

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 2024-12-01 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 Bankruptcy Ref : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a formal complaint regarding an ongoing issue I have experienced with Equifax. Despite submitting all necessary documentation to verify my current address, including photos of my drivers license and bank statement, Equifax has continuously claimed that they can not verify my address change. 

Here are the details of my situation : 1. Address Information : I have been living at my current address for over 10 years. However, the address listed on my Equifax credit report is incorrect, and I have never been associated with the address that appears. 
2. Documentation Provided : I have submitted clear evidence to Equifax, including a photo of my drivers license and my bank statement, both of which confirm my current and correct address. 
3. Equifax Response : Despite submitting this documentation multiple times, Equifax has informed me that they are unable to verify my address change. This has caused confusion and frustration as I have no idea why they are unable to validate my address, even though Ive lived here for a decade. 
4. Impact on My Credit Report : The incorrect address on my credit report is causing unnecessary complications, and I am concerned it could negatively affect my credit score or my ability to apply for credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I received an email from Concora CreditXXXX XXXX XXXX XXXX XX/XX/XXXX claiming that my account statement is available and that I have a statement balance of {$1000.00}. I have never heard of Concora Credit nor have I opened a credit account with them. I looked through my emails for Concora Credit and saw that on XX/XX/XXXX, I received another email saying thank you for registering your XXXX XXXX XXXX account which also includes a Concora Credit header. On XX/XX/XXXX, I also appear to have received an email saying thank you for accepting the pre-approved offer for a Concora Credit account except this email states it is from GenesisCreditPlatform. Additionally on XX/XX/XXXX, I received a thanks for going paperless email from Concora Credit. I have not received or accepted a pre-approval offer from this company, nor have I ever applied for or received a credit card from this company. Another detail I have noticed is that my name is not included in any of the emails, like other companies include. It appears that there is not a simple customer service email to reach out to and the customer service/fraud department phone line was difficult to find, especially as it is unclear whether this is supposed to be a Concora, XXXX, or Genesis account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I would like a debt verification for alleged debt which has not been provided. In addition, I would like the collectors also associated with this debt to stop reporting this alleged debt also. This is double jeopardy and is not legal.

Company response to consumer: Closed with explanation