vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or shortly after XX/XX/XXXX my husband and I were subject to a 'check washing ' scam where a check was cashed against our account by a criminal. The check was an 'estimated payment ' made out to the United States Treasury but instead the 'pay to the order ' was changed to " XXXX XXXX XXXX XXXX We reported the fraud the moment we found out on XX/XX/XXXX. The amount stolen was {$3300.00}. 

Our request to XXXX was to simply investigate where and when the check was fraudulently cashed so our money could be returned. Instead, we received the most ridiculous run-around in the history of mankind. We were repeatedly and blatantly lied to by the bank, seemingly all in the effort to obfuscate any accountability on the bank 's part. After XXXX months of hand offs and disingenuous concern we were finally met with a bogus reference to the amount of time that had passed and XXXX refused to take further action. 

Parties involved were banker XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-07-09 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 2024-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
I made an online purchase at my local XXXX XX/XX/XXXX for XXXX, XXXX did a pre authorization, XXXX didn't have the grill I ordered and the total charge was for XXXX XXXX released the hold on XX/XX/XXXX and made the XXXX charge, The only transaction on the card is for XXXX app, I have called XXXX XXXX numerous tines at XXXX, they told me that it could take up to 30 days for the funds to be back on the card, now they are telling me XX/XX/XXXX, now I believe I am being scammed out of my money Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
I made a payment of {$470.00} on XX/XX/XXXX to Sequium Debt Collection Agency for my closed XXXX XXXXXXXX XXXX credit card account. XXXX XXXX XXXX sold my closed credit card account to Sequium Debt Collection Agency. The XXXX XXXX XXXX credit card has been paid in full and and as agreed through Sequium Debt Collection Agency. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
The credit acceptance loan that Ive recently gotten within 14 days is unable to be cancel. The vehicle is no longer in my possession. The dealer has it back. My cancellation is being denied

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 2024-07-09 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: IN

Complaint narrative:
I never had an account with any of these debt collectors. ( example LVNV FUNDING. ) I am asking for the original contract that was signed with the debt collectors. 

Please remove all of the accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
XXXX XXXX : XXXX XX/XX/XXXX I am writing to formally dispute the inclusion of bankruptcy information on my credit profile maintained by LCI. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452.

The specific details of the bankruptcy in question are as follows : Case Number : XXXX Filing Date : XX/XX/XXXX Type of Bankruptcy : XXXX XXXX Court Jurisdiction : XXXX XXXX XXXX XXXX XXXXXXXX Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. The presence of this information is a violation of federal law, and I expect that XXXX will promptly address and correct this matter. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation and any actions taken to correct the inaccurate information on my credit report within 15 days of receiving this message.

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 2024-07-09 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: TX

Complaint narrative:
In 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.

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 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX my serve american express debit card was stollen from me and my tax refund that was depsited on to this debit card was spent down to XXXX XXXX cents.i have reached out to to serve and filed a dispute claim with this company XXXX times they have denied me all XXXX times after i repeatedly sent multiply documents showing proof i did not authorize this thief to spend my hard working money i earned for working the full year.They denied me XXXX times stating that i did not have enough details to get me refund sent back to me. so i reached out to the XXXX district to assist me in filing a fraud suit against the person who stole my card. Now the perpetrator has been caught and the thief has been summoned to appear to court on XX/XX/year> XXXX for arraignment. My case number is XXXX Prosecutor XXXX XXXX XXXX XXXXThe amount that was stollen from me was XXXX spent off my card i would like all my money returned back to me.I have been notified of my fraud case against this person by XXXX XXXX XXXX XXXX XXXX XXXX who is assisting me with my case.I have new documents supporting my case against this thief that is being prosecuted and im seeking justice from me. being a victim of a felony crime Please me get money back to as im seeking justice against this thief. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-09 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-09 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
In 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.

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 inructions 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.

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of 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 2024-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Collection Agency XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name Advance America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # # # # # # # # # # # # XXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: AZ

Complaint narrative:
I was reviewing My credit report and noticed that I had some inquiries that I did not authorize.

Company response to consumer: Closed with explanation