vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
There's an item on my credit report that have resulted from fraud, I have reported this to the Federal Trade Commission but it is not removed from my report. 
Every transaction and charge associated with this account is entirely fraudulent. I did not authorize or benefit from any of them. These unauthorized charges were made without my consent and must be removed from my credit report to protect my financial reputation and prevent further misuse of my personal information.

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 2024-12-21 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: LA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2024-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: IL

Complaint narrative:
XXXX XXXX  failed to put my account under deferment even though I had shown them a letter of enrollment from XXXX XXXXXXXX. I filled out the form that they required which XXXX XXXX office filled out and signed confirming my enrollment and expected graduation. I sent the form back to XXXX XXXX  on XX/XX/year>. They have my account under delinquent and I am letters in the fail now asking to collect this debt with late fees. My credit score was also affected by this since they reported my account without putting in the deferment update. 

Attached the enrollment form that XXXX XXXXXXXX filled out. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 was reviewing my credit reports as of XX/XX/year> and noticed 7 hard inquiries on my report that i did not authorize and im asking Experian to please remove them immediately or show cause after a full investigation why they should remain.

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 2024-12-20 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XXXX I submitted a letter for Ally financial and its trusty XXXX XXXX XXXX with a notice of intent to initiate arbitration, Ally financial receive the letter on XXXX XXXX. Certification number XXXX, XXXX and XXXX. I also provided Ally financial with a copy of my XXXX Filling number XXXX. On XXXX Ally financial stole my stole my XXXX XXXX XXXX. On XXXX XXXX. I contacted Ally financial and informed them that I had sent them a letter of arbitration ally financial customer service informed me that they had to locate the letter and will respond to me in a few days on XXXX I received a letter from Ally stating that they will be selling my XXXX XXXX XXXX on XXXX XXXX followed by a letter on XXXX Stating that Ally did not honor any documents, I have sent to them, and did not understand the purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  SS # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> I made a purchase on XXXX for a XXXX XXXX for the amount of {$890.00} to my debit card. The laptop was supposed to be delivered on XX/XX/XXXX however I never received it. XXXX had delivered to an unknown location as shown in pictures attached. The delivery shows the package on wooden steps when my house has XXXX steps. I immediately contacted XXXX but my issue remains unresolved. I contacted Capital One to dispute the transaction since I never received the computer and have since yet to receive a resolution or update on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called the annual credit request for all three credit reporting agencies to send a report. And since all three failed to mail a copy I called each one directly to verbally request a copy of these credit reports that are causing the principal from being denied credit. All three Transunion, XXXX and XXXX have failed to disclose My Right to the 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 explanation
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XXXX XXXX XXXX a charge occurred in error by direct stream TV in the amount of {$120.00} I contacted my bank immediately to let them know the virtual card that have been deleted from my use was charged by direct stream TV. I also contacted direct stream TV and they told me a refund would be issue in three to five days on XXXX XXXX XXXX They also sent me an email stating a refund was coming my way. As of today flare account has not refunded my account accredited my account with the {$120.00}

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 2024-12-21 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: GA

Complaint narrative:
I have disputed these collections multiple times and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attached

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
My husband and I found a property that we wanted to rent for the month of XXXX. It was {$4000.00} for the month. We sent the initial deposit through Zelle. We were informed that they were only approved for {$1000.00} per day so we sent consecutive {$1000.00} transfers. On XX/XX/XXXX we were asked for the final {$2000.00} which was due XXXX. They said they would send the codes to open up the house. When I hadnt received those after 2 days, I questioned it. They replied I owed another {$500.00} for pool cleaning and electricity. I was very XXXX, told them I wanted to cancel the reservation. Was told okay. Expressed I wanted my money back. They informed me they couldnt send it via Zelle, since the money went to their grandsons account. As I pressed for the return of my money, they told me that I could go to the bank, get a XXXX with {$1000.00} on it and they would return it for a total of {$5000.00}. I was born at night, but not last night. At which point we realized that we were out of that money we had been scammed. Zelle made it very easy to be sucked in. 
This is where the money was sent : Zelle XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: PA

Complaint narrative:
My financing with Klarna was paid in full on XXXX XXXX for the sum of {$64.00}. 
They billed me {$7.00} on XXXX XXXX XXXX for some XXXX. charge and have not refunded me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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

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 2024-12-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I applied to XXXXXXXX XXXX for services and it wasnt completed as promised by this provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hey, how are you? To whom it may concern. 
I am XXXX XXXX XXXX residing in XXXX XXXX I just recently had a baby last year while working for XXXX XXXX XXXX XXXX. I am now just getting into the whole credit aspect of my life & I'm seeing a lot of things up here I never applied for, addresses Ive never resided at before. Im looking to seek any help I can get with getting these things removed from my credit report because I'm trying to get things established for me & my now XXXX XXXX XXXX son. I went down to the bank to open me up a checking & savings account & I got denied because I was informed of some things I know for sure never was authorized by myself. I did lose my belongings in XXXX  on vacation back in XXXX due to baggage loss at the airport, everything I had down to my social security card, state of identification card & more got stolen everything I had to obtain ( renewed form ) & I had a problem filing taxes last year for the first time due to identity theft. I also have another woman here residing in the state of XXXX XXXX by the same first & last name, I found this out in court one day when they got us confused. I do think her addresses are merging with my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank regarding Account # XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial health, XXXX XXXX, and overall well-being. 

Despite my good-faith efforts to resolve this issue, Wells Fargo has repeatedly reported inaccurate, unverifiable, and erroneous information regarding this account on my credit report. Over the course of several months, I submitted six formal dispute letters outlining the specific inaccuracies and missing data points. In response, Wells Fargo has failed to provide any proof of claim or the documentation required under the FCRA to validate the reported information. 

As required by the FCRA, furnishers like Wells Fargo must conduct a reasonable investigation of disputed information. If they can not verify the accuracy of the information, they are legally required to correct or delete it from the consumers credit report. Instead, Wells Fargo has continued to report this inaccurate information, demonstrating clear noncompliance with federal consumer protection laws. 

This misconduct has had a severe impact on my financial well-being. It has led to a lower XXXX XXXX, increased borrowing costs, and limited access to fair credit opportunities. Furthermore, my personal and professional reputation has been negatively affected. It is clear that Wells Fargo has failed in its legal duty to investigate and correct this information, and I believe this is part of a broader pattern of noncompliance by Wells Fargo that affects multiple consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Golden One Credit Union account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$2100.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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