vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX my Wells Fargo account had three unauthorized fraudulent checks deposited from a location I was not in. I was celebrating the XXXX of XXXX with my grandparents in Arizona upon my immediate familys return from overseas. The checks were deposited on XXXX XX/XX/XXXX in Illinois. When I had withdrawn money from my account, I did not find it suspicious. I believed it was my money to pay my student loan or spend however I see fit. It wasnt until days later that I was notified of the checks. My parents and I requested documentation and forms to support the overdraft claim. I looked at the checks and my name was incomplete and my signature was incorrect. I then requested to submit these accounts to be investigated and later Wells Fargo claimed I was at fault because of the withdrawal. After I joined the military, I attempted to call and request more information. I gave up and began to look into paying the amount to clear my name. When I attempted to call the fraud department through Wells Fargo with the claim numbers, the department stated they had no information. This took place in XXXX XXXX XXXX, Tx. I have not received any other information towards this issue until my grandmother sent me a picture of a Form 1099-C stating I must claim the Overdraft Account amount on my XXXX taxes.

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 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit LLC
State: FL

Complaint narrative:
I paid the {$580.00}. I don't know how they came up with this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/XXXX Opened account XX/XX/XXXX Received email that offer code to receive bonus was applied to account successfully XX/XX/XXXX Met requirement to receive bonus XX/XX/XXXX Called XXXX on a recorded line to find out when I would receive bonus and was told to take offer code to be verified at branch XX/XX/XXXX Visited branch in person with offer code and emails as proof that I am eligible to receive bonus and that I met the requirement to receive the bonus and branch teller submitted support ticket to a their retention and accounting department and I was told that I would receive the bonus within XXXX business days because the branch teller verified my account information XX/XX/XXXX I called the branch location that I visited on XX/XX/XXXX and spoke with the same branch teller that submitted the support ticket XX/XX/XXXX I received a phone call from PNC Retail Support Department stating that I did not meet the requirement and that I would not receive the bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from my credit profile alerting that credit collection services was attempting to collect a debt in regards to doing business with XXXX XXXX XXXX company, in the amount of {$100.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; I have not signed any contracts with this company and have received no verification or validation that it was lawful to collect such a debt. The securities of the contract was provided with the CUSIP number when originally signed with the original company so this company is trying to steal a securities of such. 
NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX unlawfully sold to others from 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 2024-02-07 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: GA

Complaint narrative:
Information unlawfully sold to others from 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 2024-02-07 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: NJ

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : A request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.

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 2024-02-07 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: LA

Complaint narrative:
This account has been closed since XXXX and its passed the statue of limitatiions with that being a voilation itself. Not only have they been reporting this acct as open since XXXX but that it was closed in XXXX. This is very inaccurate and they also claim that the last activity happened on XX/XX/XXXX when this account has been closed since XXXX. They keep sending me letters each time I dispute this and everytime they send a letter they inform me that the updated the info. First of all they never update anything and now I see that they are showing the last activity being XX/XX/XXXX. all of this info is inaccurate and they do not do a proper investigation and it comes back as accurate. I have went round and round them and their incompetance to properly investigate and remove this acct is costing money because my interest rates are higher if I want to purchase a car because of this error. If this is not removed, I will be contacting an attorney to take the next steps in suing Transunion.

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 2024-02-07 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear LVNV FUNDING, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections XXXX0-1-910 and 10-1-912 of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that LVNV FUNDING Account Number : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for LVNV FUNDING Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that LVNV FUNDING Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect LVNV FUNDING Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.

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 2024-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation