vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Dealer SVC regards their unauthorized sharing of my non public personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information, and I believe my privacy rights have violated. 

On XX/XX/year> I notified Wells Fargo Dealer Svcs that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with institution.

Despite my explicit opt-out request and my clear assertion of my rights under The GLBA, I have reason to believe that Wells Fargo Dealer SVCs had contributed to furnish my non public personal information to non affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potentials consequences of this unauthorized sharing, including the protection for identity theft, fraud, or other financial harm. 

I kindly request that Consumer Financial Protection Bureau Incesitfsge this matter throughly and take appropriate action to ensure that Wells Fargo Dealer SVCs complies with all federal regulation and, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the process of this investigation and any actions taken to address the violations committed by Wells Fargo Dealer SVCs. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX if you requireany further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Halsted Financial Services has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/year>, I formally requested that they cease and desist from further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
THE DEBT WAS ADDED TO MY CREDIT REPORT WITHOUT MY NOLEDGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX Account Number : 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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 
On XX/XX/2024, I obtained a copy of my credit report from Equifax and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX XXXX  : Being that this company has not and can not provide evidence of license to practice debt collection in any of the XXXX states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the XXXX states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.

I am also demanding the removal of ALL ADDRESSES on the account as I do not have an address, I have a domicile.

The addresses to be removed are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX The removal of ALL hard inquires also need to be removed as I never gave explicit consent for these to be reported to my account and they are not associate to myself or my person in any manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) NISSAN MOTOR ACCEPTANCE this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove 3 ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP 4 ) XXXX XXXX XXXX XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT XXXX ) XXXX XXXX XXXX {$370.00} THIS IS XXXX XXXXXXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  = this account was prepaid the card was Supposed to draft AUTOMATICALLY OUT of my account it NEVER did happen so i close this account XXXX THE BANK REPORT LATE PAYMENT AND on XXXX XXXX late i would like the bank to remove this this account is closed XXXX ) XXXX XXXX XXXX this was reported as late on XXXX & on XXXX XXXX & on XXXX XXXX XXXX on XXXX XXXX i would like to get the late payment remove XXXX ) XXXX XXXX THIS IS NOT ME REPORT ON XXXX XXXX FOR {$250.00} PLESE REMOVE ASAP XXXX ) USCB AMERICA = XXXX XXXX XXXX FOR MY XXXX XXXX  XXXX THIS IS AGAINST THE HIPAA LAW CAN NOT PUT THIS ON MY CREDIT TAKE THIS OFF MY REPORT 5 ) USCB AMERICA =MEDICAL {$370.00} THIS IS AFTERCARE XXXX  PLEASE TAKE THIS OFF MY CREDIT REPORT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have two credit card accounts with Capital One bank which I have had for numerous years. I make my payments faithfully with 5+ years of on time payments. I attempted to login to make my payment due XX/XX/2024 and was unable due to issues with their website and mobile app. 

I attempted later again that day, with no success. It was a weekend, so I waited until the next business day the following week and when I logged on, they had charged me late fees on each account. I reached out via the customer service line to make my payment and get the fees removed, since it was an error on their end that prevented me from making my payment on time. They VERBALLY ACKNOWLEDGED that they had several issues with their payment processing over the weekend and that they had been getting many calls with the same issue, but REFUSED to remove the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-03-05 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:
MY INFORMATION WAS LOST DURING MY TAXPREPARER RELOCATING. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED AND MAILED LETTERS TO EACH BUREAU NOTIFYING THEM OF THE FRAUDULENT ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN WRITTEN CONSENT FOR ANY OF THIS INFORMATION TO BE FURNISHED TO MY ACCOUNT WHICH IS IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS DUE TO IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I have a zombie second mortgage I'm being sued for in the county I live it. The property went into default in XXXX and it was foreclosed on in XXXX. I was evicted from the property and have not heard anything on this debt from XXXX. I have since moved on and was not aware of this debt. It was removed from my credit history and I have been able to rebuild my credit and purchase a new home. 

The suit claims it is with Citizens Bank NA. Even though I was working with XXXX XXXX at the time to refinance the mortgage. However, in XXXX I received a car loan from that same bank. They didn't flag my information at that time to inform me that I owed Citizens bank NA. 

I though this mortgage crisis was behind all of us. The banks got away with it. None of them when to jail for mortgage fraud or predatory lending. The servicers didn't work with borrowers in good faith at the time of this crisis. So much for HAMP and 2MP. The banks get the bail out and we still have to deal with the mess 14 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 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. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: NV

Complaint narrative:
I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 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. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-05 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: LA

Complaint narrative:
The credit reporting agencies Transunion, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.

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