vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Serious breaches of duty, negligence, and failure by Wells Fargo to adequately assist me during a critical period of financial and emotional vulnerability. My account was compromised and a substantial amount of funds were withdrawn by someone without red flags being raised and in question along with new mailing addresses and phone numbers added within account to obtain my account numbers and information then new debit cards were requested and mailed to these addresses and activated to then begin use of my finances!!!

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 2024-12-31 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: TX

Complaint narrative:
not sure i have numerous accounts on my report they are all different on each 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 2024-12-31 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:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I took out a loan with Ace cash express and fell behind in payment. During that time I called to them to revoke access to ACH as I did not have the funds. I called on XX/XX/XXXX and signed documents. I called XX/XX/XXXX after noticing that they have taken XXXX out of my account and they have no knowledge of it also I have never called to give them permission to take it out and they did

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. My vehicle financing was done through XXXX XXXX During this process, there were XXXX hard inquires from a company named Ally Financial which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XX/XX/year> I mailed written notice of my information being used without my permission and requested removal of the XXXX unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. 
This CFPB Complaint HAS BEEN FILED TO REQUEST pursuant to FCRA section 605B that you Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and/or fraud within 4 business days of you receiving this complaint. This fraudulent, false, and inaccurate information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX Inquiries and fraudulent collections appearing on my consumer XXXX report. I do not recognize these accounts as reported on my consumer credit report maintained by you, but were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft, and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I received an Amex gift card as a gift. I tried using it several times, with different ways as the company accepts tips. With no luck I called the customer service line. I was transferred a couple times, spent a very long time on different holds. Upon answering the rep was very hard to understand, after requesting clarification and apologizing for not understanding her she became quite rude. I heard lots of chaos in the background including a woman yelling. I tried several times to explain that I understood the tip piece, but she was unable to give me any way to use the card except to tell me maybe I could run out for part of the sale and then I'd have money left on the card. With as difficult as this was to use, I wanted to use the entire thing at the time. I asked for a supervisor to get further help, I was put on hold again for a very long time and then they eventually disconnected the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
XXXX XXXX with Rocket Mortgage lied about fees and used predatory lending to try to secure the loan. He is under suspicion for delaying my loan by cancelling the appraisal because of my veteran status, which is against ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt Collection Practices by TrueAccord Corp . 



Dear CFPB and FTC, I am writing to formally dispute the actions of TrueAccord Corp. regarding their attempts to collect an alleged debt of {$630.00}. Their communication included the following details : * TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe the debt is invalid and request an immediate investigation into this matter. Specifically : 1. Debt Validation : I have not received sufficient documentation to verify the legitimacy of this debt or to confirm that it belongs to me.

2. Cease and Desist : The repeated communications and tone of urgency appear to constitute harassment. I request that TrueAccord immediately cease all forms of contact with me, including phone calls, emails, or letters, in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

3. Damages and Harassment : TrueAccord 's practices have caused undue stress and disruption to my life. Their communication appears to violate FDCPA regulations prohibiting harassment, threats, or the use of deceptive practices.

Requested Action : I request the CFPB 's assistance in : 1. Investigating TrueAccord 's collection practices to determine compliance with federal regulations.

2. Providing mediation and enforcement to ensure my rights under the FDCPA are upheld.

3. Exploring the possibility of pursuing legal damages for harassment and non-compliance.

Additionally, I am requesting that TrueAccord provide the following : * Full validation of the debt, including the original creditor, itemized amounts, and proof of my responsibility.

* A formal acknowledgment of this cease-and-desist request.

Attached to this letter is the communication I received from TrueAccord for reference. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MI

Complaint narrative:
I was incarcerated for a certain amount of time and when I came home I noticed my card was used fraudulently and reported it which got my account deleted or I'm not sure something of that sort I was no longer able to log in then a few weeks later they emailed me with provisional credits then approved my dispute but my account was already closed so I requested a check they said give it XXXX days a which I did and still haven't received it. I was supposed to receive my check on XX/XX/XXXX for {$530.00}.

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 2024-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Self Financial Inc.
State: OK

Complaint narrative:
" I'm XXXX about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX used a cleaning group and asked payment through zelle ( XXXX ). Did a bad job so left a negative review. 

XX/XX/XXXX accidently sent money twice to the person that cleaned my house of ( XXXX ). 

Called change on XXXX after dinner realizing money has been sent to the wrong person to cancel the transaction. Checking account showed pending but said it was not possible as money was already sent but will open a claim ( did not provide number will show up in Chase banking mobile app ) Chase asked me to reach out to the person and ask if they are willing to send money back so I sent text messages but did not receive a response even though the message was read ( XX/XX/XXXX ). 

XX/XX/XXXX sent another message but was just left on read. 

XX/XX/XXXX - Chase credits me {$75.00}. 

XX/XX/XXXX- Chase takes the money back. 

XX/XX/XXXX - Called Chase and was everything within XXXX policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Third party has sent written communication that implies that their documents are apart of a legal process. No judgement has been sent with signature from a judge within jurisdiction contract was signed in. Initial communication of debt advertised a sale of debt in order to pay. Debt was disputed twice with original creditor constituting a 60 day window that wasn't given due to 30 day time window for each dispute by consumer. FDCPA laws violated : 15usc1692e misleading representations 15usc1692d abusive practices 15usc1692f unfair practices given the original debt, the amount of debt advertised by entity is clear coercion. Furnishing deceptive forms 15usc1692j ( no one may design complete and or furnish any form that creates false impression that someone other than the creditor ( for example a debt collector ) is participating in the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: MA

Complaint narrative:
This is in regard to a software contract my company signed with XXXX. XXXX was contracted to create a mobile app tie-in with XXXX ( XXXX ). They were not able to deliver the software as contracted despite numerous attempts. We were unable to pay some of the monies owed due to incorrect wire transfer information or accounts, and XXXX never corrected this issue as well. XXXX then proceeded to send our company information to the collections company Recovery Solutions Group , LLC. The contract signed has arbitration as the method of contract dispute, not collections. 

The company Recovery Solutions Group , LLC never notified us of our right to dispute a debt. They have repeatedly emailed and called our individual company emails, company cell phones, the main phone number, etc. They have sent paper copies to our business address. They have sent collections notices to my personal address, even though it is a business debt. The contract was signed as a business, independent of my personal information. 

Now as of today XX/XX/year> they have contacted my mother at her personal phone number. She has absolutely XXXX association with my company or this contract. I am forwarding this information to our attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX  XXXX {$3800.00} XXXXXXXX XXXX  XXXX {$3000.00} XXXX bank XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.

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 2024-12-31 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
This company by the name of Williams and Fudge , Inc. out of New Jersey keeps calling me to collect a debt for a prior Student Loan that's in collections. They are calling for a person that's not me ( I got a new phone number years back and have had other collection agencies calling for a different person in the past ). 

I paid off all my student loans 7 years ago and do not owe any student loan agency nor have a student loan not paid that's in collections. 

This company has failed to provide any documentation or proof of any debt owed. They keep calling from different New Jersey phone numbers and harassing me. I have never owed anything to any company located in New Jersey. 

This company has many other complaints online about calling for student loan debt not owed by the person and refusing to provide any tangible proof of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
A credit inquiry from XXXX dated XX/XX/year>, is currently reporting on the credit report, did not authorize inquiry, and could be fraudulentXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation