vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I saw Credit Control LLC information and saw they were trying to collect a debt. Requested validation. Upon insufficient validation, they forwarded my request back to XXXX XXXX XXXX. The letters were dated XX/XX/XXXX - these can be provided if needed via scan because the pages are numerous. The original XX/XX/XXXX letters were from XX/XX/XXXX and XX/XX/XXXX. 

They did not provide validation and are relying on another agency to do that, which I have also submitted a cimplaint about to the CFPB earlier today- the creditor name, is different on all the documents, banks are different but they are claiming they are the same. I still have not seen the original documnets from XXXX, Credit Control or XXXX on this matter. I disputed the trade line and have not been able to get it removed becasue they are saying becuase they received a statement from them, that it is validated. The ttactic is not legal given the circumstances. A statement of account provided does not validate I own a debt. They also failed to provide what I requested. 

Please let me know if you wish to see communication requests and responses.

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 2025-02-03 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : 1. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/year>2024 2. Account Name : XXXX Date Listed : XX/XX/scrub> 2024 3. Account Name : XXXX Date Listed : XX/XX/scrub> 2024 4. Account Name : XXXX XXXX XXXX XXXX date Listed : XX/XX/year>2024 5. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, 2024 These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, an UNKNOWN person went into a Bank of America location in NEW York and withdrew {$9600.00} and then went back and withdrew {$4800.00}. I live in XXXX TX and have not been to that location in NEW YORK. After alerting the bank of this discretion my accounts were frozen, and I have not been able to access the {$14000.00} that was STOLEN from my account. After alerting bank of America & they took over 3 months to " conduct an investigation '' it was determined that I would NOT receive the funds back because the unknown assailants knew my Pin and used my ID. This horrible misuse of my hard-earned money has caused me many late fees and undo stress. Every Monday for the last 3 months I have called Bank of America for an update and each time I have been told not to worry that this was under investigation. I have demanded bank of America to provide video or camera surveillance of the person who committed this crime, but I have not received any. I believe this may be an internal job by a bank of America staff member and I am asking for a full investigation to be looked into. Also, when I noticed the money was missing there was a suspicious phone number XXXX added to my account under the XXXX tab. THIS MAY BE the phone number of the person responsible. Bank of America needs to provide proof of the person that withdrew the money because it was not ME. I WAS NEVER IN NY at that time so it's clear that I didn't withdraw the money. I demand a full refund of my money and an official apology from Bank of America regarding this GROSS MISMANAGEMENT of my funds. I'm so distraught and just trying to survive while I keep fighting to clear my name. I have been struggling for 3 months waiting for an answer and they denied my claim. I CANT BELIEVE THEY ALLOWED AN UNKNOWN PERSON to withdraw my money and have treated me so badly all these months. I have been a customer of Bank of America for 23 year I feel so foolish. Please help! most importantly i was out of the country from Thursday XX/XX/year> to XX/XX/year>. I flew back from XXXX to XXXX arriving at XXXX. There is no way I then travel to NY to withdraw this money. I reported the activity instantly. I suspect my whereabouts were tracked viaXX/XX/XXXX, bank of america app etc and the criminals used this to STEAL. I will provide proof below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Credit was stolen I am a victim of identity theft. 

Card account was opened at Citibank in XXXX. Requested this to be removed several times but nothing resolved.

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 2025-02-03 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: GA

Complaint narrative:
I am a victim of XX/XX/XXXX I submitted documentation to have items removed from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned. This problem is on going about every 3- 6 months the same accounts they agreed to block continue returning and effecting my ability to move on and have a positive gainful and stable life. This is my second complaint is resolved and the problem persist.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: NJ

Complaint narrative:
Netspend sent me 2 credit cards, in my name, with in a week. They are physical cards. When trying to resolve the matter to find out why I got the cards, there was no person to speak to. A found number requested me to enter my Social Security Number to proceed.

Finally found an option to opt out of marketing, but had to enter the card number to do so. A few days later, got another card in the mail.

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 2025-02-03 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$10000.00} XXXXXX/XX/XXXX- XXXX - {$0.00}XX/XX/XXXX XXXX {$4000.00} XX/XX/XXXXXX/XX/scrub>/2024 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My title company has sent 3 wires now trying to payoff this mortgage. I can not get an accurate payoff quote. When I get a payoff amount, it gets wired, then i gat an email that there is stiull additional funds needed. When i talk to the escalation dept, very broken english and they are providing bad information. I just want this loan paid in full!!!!!!!!!!! I better not get a 30 day late for this incompenancy. Most recently XXXX ID XXXX on XX/XX/year>. She provied an amount that said needed to be paid. My title company wired it over in less than 1 hour. Now today I get notice that there is a shortage even larger than what XXXX had me wire last week.

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 2025-02-03 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting A

ct ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : Equifax failed to properly restrict access to consumer information.

1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$510.00} XXXX XXXX XXXX - {$0.00} XX/XX/XXXXXXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Months ago I was looking at hotels in XXXX due to an emergency with my previous lodgings. 

I needed a unit for a for that night which at the time was XXXX. I looked at XXXX, i was going to purchase a room. While in this transaction midnight had passed and the system confused itself with the purchase. When I went to the hotel, which was 40 minutes away. They did not have my lodgings and said the hotel was fully booked. 

I called XXXX, they refused a refund. I called my credit card to dispute the charge. They confirmed it was fraudulent after a few months. I had to sleep in my car that night after driving from XXXX to XXXX for a new job. 

They have now sent me a collections notice. This company is harassing me over an issue that is completely their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, in the early morning hours around XXXXXX/XX/XXXX I realized I had not received my direct deposit from Capital One. I waited till later in the day still nothing called Capital One to sit on hold for about an hour and 45 minutes to get told that they were having a system issue, and that I would be receiving my direct deposit by the end of business day on Thursday. End of business day came and went on Thursday still had no updates from Capital One or communication sent via email to later that night indicating that they were having an issue and that we would be receiving our checks by Friday morning Friday I spent about 6 1/2 hours on hold three different times trying to get some information from Capital One on where my direct deposit was, I had bills that needed to be paid. I had a concert event planned for that weekend and Capital One had no answers or time frames on when our money would become available. This continued on until Saturday evening XX/XX/XXXX at that point I was able to get a manager on the line and threatened to have my attorney contact them. I asked them why they were not providing temporary credits of at least some type of money to their consumer so they could feed their children as they still had no timeframe on when my direct deposit would be. Capital One had no protections in place for the consumers with little bit of relief efforts. I asked the representative what happens if I cant make this concert this weekend are they gon na refund my money she told me no Capital One was only refunding late fees, I had to borrow money to pay my bills. I had late fees I had missed days at work because I didnt have gas money to get there what Capital One did to their consumers was not only illegal, but it was heartless their communication on keeping their customers up-to-date was nonexistent. for you to have an outage as a major financial institution for four days with no updates to your customers is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub> 2022 2022

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