vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a company called XXXX XXXXXXXX XXXX XXXX XXXX, when I started generating income, I created an account with Wells Fargo. A customer scammed me, with a check, the problem is that I deposited the check to the bank, the bank gave me the money and then my customer canceled the service, I returned the money to the customer and days later the bank tells me that the check is a fraud check, I filed the police report for the customer, but the bank charges me the total amount of the check, plus the fees. I do not have that money, the bank released that check for me, in any case the bank is able to detect if a check is fake or not, and they should not have paid me, because I do not have that money now, it is the bank 's fault, if the check was false, the bank should not have released the funds of money. They found out days later when I had already been scammed by this client. I will not pay anything to the bank and on the contrary I ask for a complaint for them because they did not give me the necessary security as a customer to trust them either.

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 2024-10-16 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
My HOI is paid in XXXX and taxes in XXXX but Flagstar continues to review my escrow account in XXXX every year and whenever there are changes I get hit with a shortage. I just want them to align the escrow review with when those bills come in each year so I dont continue to have a shortage. I also want them to only keep the required 2 months of each in escrow rather than the 3 months.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: OH

Complaint narrative:
I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question.

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big 3 be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to 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 2024-10-16 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: OH

Complaint narrative:
I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. 

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to 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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XX/XX/XXXX, a balance transfer check was requested in the amount of {$5000.00}. It did not arrive in the specified 15 day window. A call was made to Capital One to investigate. On the same phone call, the agent placed a stop payment on the first check and reissued the {$5000.00} check while I had also made an ACH request to ensure that the balance transfer was taken care of in a timely fashion. I stated that I DID NOT WANT THE BALANCE CHECK REISSUED. Agent tried to cancel but said that the system would not allow her to do so. She then clearly instructed that upon receiving the check in the mail to call back into Capital One to have the check cancelled. 

XX/XX/XXXX -- Received check in mail. Called week of XXXX and XX/XX/XXXX to ensure that the check had been cancelled as the amount was still reflected in my account balance. I was told by agent IVY that the prior agent 's request from XXXX was not honored and that his request was being rejected. 

These POOR practices at Capital One WILL NOT be tolerated. I WILL NOT DEPOSIT THE CHECK. THE BALANCE TRANSFER AMOUNT AND FEE MUST BE REMOVED FROM MY ACCOUNT BALANCE IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
These inquiries and items were added without my consent, and I believe they are fraudulent and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX reported to all major credit bureaus that my loan # XXXX was a CHARGE OFF. XX/XX/year> my account was payed in full i contacted XXXX once i came aware of this issue when i lost my home XX/XX/year> because of this reporting it's been impossible for me to find stability for my son 's and XXXX XXXXXXXX XXXX XXXX XXXX sent me a letter stating they acknowledge that they are reporting the account information and status to my credit report incorrectly.Loan # XXXX was paid in full XXXXXXXX XXXX  This is affecting my livelihood as far as obtaining credit or applying for apartments or home mortgage. When XXXX recieved an ACH payment of {$22000.00} from Texas Department XXXX XXXX and XXXX XXXX my loan balance was XXXX only {$18000.00} was applied to my loan and my Escrow acct balance : {$900.00} XXXX failed to submit payment to insurance and taxes when verbally confronted via phone the expressed they had decided to no longer pay for my insurance, the insurance company also told me not once but twice reached out to XXXX regrading payment and nothing was received so as a result when our XXXX XXXX accured i had no knowledge until i called the insurance to report the XXXX and that is when they told me my Home Insurance was cancelled due to non payment. The loan is still being reported as charge-off. I've submitted several documents they have requested and they have not corrected how the account reflects on 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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: MI

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

Delete account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) from my credit report because of multiple violations of the Fair Credit Reporting Act! 

This account is erroneous and must be deleted immediately from my credit file.

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 2024-10-16 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:
There are errors on my credit report tied to 15 USC 16c-2. The inquiries listed were not authorized by me, and this incorrect information is affecting my credit. Please remove all unauthorized hard inquiries. 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 2024-10-16 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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. 

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!

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 2024-10-16 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: CA

Complaint narrative:
I am in complete disbelief, as a XXXX citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-10-16 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-16 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 non-monetary relief