vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Service, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 
2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please
understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> I've sent my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> i.called wells fargo to make a credit card payment. I was recieved by a foreign customer care center. The individual i spoke to had very thick accent. Being a victim of several scams implemented by whant sounded like the same foreign persons I immediately asked to be transferred to an american representative wich wes with in wells fargos power. I was then transferred to another foreign person with a very thick accent. Again, I was immediately concerned I had reached a scammer. I politely asked what state he was from just to verify. I was immediately met with a very rude remark and promptly hung up on. This happened XXXX more times! After hours of waiting and calling back and asking next level support I eventually reached an abusive and condensending employee who berretted, beliitled me and fun of me for my skepticism. Now mind you iv been a victim of scams and identy theft so I'm obviously a little concerned. She accused me of yelling at her and on several occasions threatened to hang up on me. I'm under alot of stress trying to pay these credit card bills. I'm working my self to death. I was in no way yelling or being combative. I was as calm and as nice as possible. She informed me that I was asking very personal questions and deserved to be hung up on and would be done so as a result of everytime. 
Does this bank have a double standard? They ask me very personal questions everytime I call making very uncomfortable but I humbly oblige. Is asking what state some one is from a personal question? 
In my opinion I feel like this is retaliatory attack for the very many systemic problems iv exposed within this bank. 
XXXX even been rewarded a meager XXXX XXXX dollar check for what this banks thinks compensation for the the failure to promptly bring a fraud alert to my attention. 
XXXX alone is proof that this bank has a real problem. XXXX XXXX dollars is no way compensation for the anguish and time lost as result of there utter failure to protect my identy and my safety. 
This is why I feel I was met such disdain. XXXX XXXX XXXX me personally now and everytime I call it's the same thing. Rude and nasty comments.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good Morning, Let me start by thanking you for taking a look at my issue. On XX/XX/XXXX Social Security made my XXXX deposit of {$3100.00}, to my account at Bank of America. This deposit was never posted to my account. After doing some extensive homework, and dealing with some very polite, slow but polite people at SSA, they proved to me that they had made the deposit as scheduled. I then went to the BOA branch in XXXX. I'll keep this short, so they said that I needed to wait, that the deposit would be posted the next day. At least, that's what the teller thought. They wouldn't let me speak with an account representative. So, I followed this visit up with a phone call to their national customer service number. Again, there was no help. It was indirectly told to me to contact Social Security, have them reverse the deposit, and resubmit it. When the representative was about to hang up I told her that I had the tracer number for the deposit. I told her that as I understood it, she needed to enter the tracer number into her system and see where the money went. She said she couldn't find that number anywhere in her system. She offered to give me a credit while they looked into the discrepancy. That credit never happened. 

I called back Social Security ; they confirmed that I had received deposits to this account in the past and I had. Then, they confirmed both the routing number and account number, and they matched. They also told me that the deposit information had an entry from Bank of America showing that the deposit was both accepted and processed. 

To close this out, I scheduled an appointment for the XXXX since they refused to help me on the XXXX. At this meeting, even though I have the trace number proving the deposit, they said there's nothing they can do. Tomorow, the XXXX of XXXX, my bills will attempt to be automatically withdrawn. If I understood the bank correctly, then even though this is my fault, I'll be responsible for all o f the bounce fees Any assistance that you can lend in trying to get this straightened out would be appreciated. Thank you

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 2025-01-10 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: MI

Complaint narrative:
I contacted Experian about my identity being stolen and we talked about everything wrong never took it off the credit report nor did they help me in any way or form and I paid them for years I am so upset I can cry I'm broke no money everyday is hacked please help

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 2025-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and protection against inquiries made without my consent. Specifically, 15 U.S.C. 1681b mandates that a party must have a permissible purpose to access my credit report, and these inquiries do not meet that standard.

I had a conversation with the dealership and made it explicitly clear that I only wanted my credit application to be submitted to one bank. Despite their attempts to convince me that submitting it to multiple lenders would improve my chances of approval, I firmly declined, emphasizing my concern about accumulating multiple hard inquiries on my credit report. However, they disregarded my instructions and submitted my information to several lenders without my explicit authorization. 
I later reached out to the dealership for an explanation, but they were unable to provide a satisfactory response. Furthermore, they made no effort to address or rectify the issue, leaving me deeply disappointed with their handling of this matter. This violates FCRA requirements. The inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me. I request that Experian investigate these inquiries and remove them from my credit report.

Additionally, under 15 U.S.C. 1681i, you are required to conduct an investigation within 30 days and notify me of the results. Please confirm the removal of these inquiries or provide documentation showing permissible purpose and my consent.

If Experian fails to address this matter, I will consider pursuing remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-10 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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-10 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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-10 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: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting inaccurate late payments 5 at that have disputed these several times and come back accurate as someone bought off the credit and telling it's going to stay active. 
Auto loans or leases- XXXX loans date open unknown- {$1900.00} status fraudulent also hard 7 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge me to fix my credit did northing but take my money and still have bad credit help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
My home loan was sold from XXXX XXXX to Flag Star financial in XX/XX/XXXX, I was not even notified. it was then reported that my loan was 30 days behind but it was not. I showed proof that I was not behind with XXXX XXXX but it seems as no company would listen. I kept contacting both companies and couldn't get any help. My credit profile kept saying that I was XXXX then XXXX, then XXXX etc ... days behind. Also my Federal VA loan fell under the protection of a moratorium even If i could not pay and should not have been reported on my credit profile as delinquent. Here 's the proof of that moratorium protection. 
XXXX XXXX XXXX XXXXhis moratorium was extended to XX/XX/XXXX I would like those late payments removed from my credit profile. staring from XX/XX/XXXX to XX/XX/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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Dear Mr/Mrs, Since XX/XX/year>, a total of {$6900.00} ( {$6700.00} in the first instance and {$200.00} in the second ) has been stolen from my Coinbase account. I have reached out to Coinbase multiple times regarding this issue, yet no resolution has been provided. 

On XX/XX/XXXX, Coinbase requested a response to an inquiry, which I promptly submitted on XX/XX/XXXX. Despite this, I have not received any follow-up or resolution. Coinbase has not contacted me since and unilaterally closed my case ( # XXXX ) without addressing the matter. 

Furthermore, after filing a complaint with the CFPB, Coinbase failed to provide any updates or results to me or the CFPB. As no response was received by the feedback deadline of XX/XX/XXXX, I was forced to cancel the CFPB complaint ( # XXXX ). 

This situation is deeply unfair and demonstrates a disregard for customer trust and accountability. Coinbases actionsignoring communications, unilaterally closing cases, and withholding informationappear deceptive. 

I respectfully urge you to address this issue and ensure that the stolen funds are recovered. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, Georgia XXXX Thank you, 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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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