vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Filed several complaints re fraudulent checks being deposited into our childs savings account, and then wire transfered out before the checks were caught as fraudulent .The account was drained. Then after doing nothing, the bank told we owe the money back and that it was determined that " we '' did it. The checks were clearly fraudulent, not signed by anyone from the account and eventually rejected after wire transfer. The bank told us they did an internal investigation ( that they would not share with us, or give us the source of findings ) and just said " it wad determined by the bank the transfers were considered authorized and made by you with no bank error or fraud ''. 
We are well aware of how easy it now is to mirror someones phone number, as well as all the fraud that happens daily just like this to thousands of people who get their information stolen. The bank investigators could and would not supply the evidence to support " it must have been us that did this '' I always believed that the proof needs to be given to support their findings and just telling us " we are at fault '' when we had nothing what so ever to do with this except be victims would lie on the bank proving their claim that " we '' did it. Where is the proof? We are asked to just be ok with them saying so? I don't think so and we would like clear, specific answers to whom stole our daughters college fund and treated with some respect instead of negligent. We request tangible proof to their claim that it was us.

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 2023-12-17 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: SC

Complaint narrative:
Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the 30-day limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations.

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld.

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the 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 non-monetary relief
Consumer complaint received 2023-12-17 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: SC

Complaint narrative:
Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the XXXX limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations.

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld.

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account was a result of identity theft. I have never had or attempted to establish any services with your company. Nor have I granted any written consent for you to access my personal and private information. This is a direct violation of my privacy rights, FCRA and FDPA in addition to identity theft. 

Delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # XXXX. XXXX XXXX XXXX XX/XX/2023. Remove these accounts and inquiry.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I ensured, I had a XXXX dollar balance by calling the credit card company, Barclays, associated with the frontier airlines credit card that I had gotten on a promotional offer. 

Today I logged into my account just as a good faith measure and so I had {$8.00} charged on my card looking at it. It was a total of two sets of {$3.00} of interest, and then a {$.00} late fee. 

There was no balance left on the card for there to be a reason to encourage charge. I reached out over the phone and after gently asking why there was a charge. I was put on hold for a couple minutes and then the person came back and said oh well wave itno big deal. 

I allege that this is an example of the way the Barclays is fraudulently charging customers to make more money. 

Customer service has always been very helpful but the rest of the process with this card using it having to login to portals that dont make any sense has been incredibly stressful and I regret getting this card.

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 2023-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Starting on XX/XX/2023 I have been unable to access my Ally Financial Account in order to make payments to bill and see relevant information regarding documents and other remaining balance inquiries. 

On XX/XX/2023 I made numerous attempts to contact the company and resolve the issue to no avail. The company failed to provide a resolution and explained they do not have a planned date to find a solution. In total, I had XXXX separate phone calls with representatives of the company who were unable to regain access to my account. I am unable to see financial documents, loan agreement, billing dates, amount due, and other fees related to the auto loan I placed with the company. 

The number given to customers to solve issues like this is XXXX - none of the representatives have been able to regain access and their team has stated " this is a known customer issue, with no solution in sight ''. I would like my loan obligation to this company to end if I am unable to see the remaining documents and agreements. 

I am now receiving messages regarding " late payments '' and " past due balances '' although they have failed to give me access to my account after their own system failure.

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 2023-12-17 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: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX acct XXXX XXXX  and XXXX acct # XXXX. XXXX XXXX XXXX XX/XX/2023. Remove these accounts and inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uplift, Inc
State: MD

Complaint narrative:
I recently reviewed my XXXX credit report which indicated two collection accounts from XXXX XXXX XXXX XXXX XXXX in the amounts of {$850.00} and {$540.00}. The alleged original creditor is Uplift. According to my records, I did not receive written notice of the debts from XXXX XXXX XXXX XXXX XXXX, and my right to dispute under the Fair Debt Collection Practices Act. As a result of their most recent actions, I have suffered great harm to my credit score as a result of these alleged debts being reported as collection items. Please note that I have filed a previous complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) about the same issue regarding written verification of the debt and the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
XXXX, EQUIFAX is breaking the consumer law pertaining to account XXXX XXXX XXXX XXXX  XXXX I've uploaded documents I need this corrected immediately PAID AS AGREED OR DELETED and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
XXXX XXXX CARD HOLDER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have spent many times to try to spend this gift card, but it is rejected by essentially every online store ( XXXX XXXX XXXX XXXX XXXX XXXX 
This is gift credit card with {$100.00} gift value, which should be accepted anyplace where American express card is accepted. 
When I asked American Express where it is accepted, it just saying " They don't know, they blocked many stores to protect my fund ''. That is a scam, it essentially reject every online so that I can't figure where to spend. The money is in gift card but we just can't spend. 
The government should crack down such cheating practice by American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There was a fraud transaction of USD XXXX on my capital one card ending in XXXX. I am unable to report this. The app redirects me to the website, and the website asks me to call XXXX. However, on calling your that number and yelling my card number and asking for a representative the call is simply dicsonnected by the IVR system. It seems this is being done on purpose to prevent callers from reaching customer. 
Requesting your immediate intervention in this matter, please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX is the accoun {$28000.00} Original balance {$19000.00} that TRANSUNION XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information.

( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
While I was unemployed several times over the past year, I fell behind on my credit card payments. When I fell 90 days behind, Capital One kept the account open, and still accepted payments on it. 

I got the account caught up in XX/XX/XXXX with a {$340.00} payment. The account restricted. I called Capital One to inquire about the terms of the restriction. I was informed that because the account had gotten 90 days behind, I would need to pay it off entirely. Then I could apply for another account. So essentially the account is closed. 

However, Capital One never closed it. In the status that it is in, ( open but restricted ) I am unable to use it. My credit report will reflect an open card account with no available balance. 

They can continue to accrue interest, and I may incur potential late fees ; which has a negative impact on me. I guess my only sensible option is for me to request to close the account. 

Otherwise, if they are leaving it open and unusable ; they should cease charging interest, and just allow me to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: TN

Complaint narrative:
Ive been a victim of identity theft

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 2023-12-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation