vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the rights to privacy ( 15 USC 1681 ( SECTION 6 0 4 A SECTION 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XXXX XXXX XXXX involving my Wells Fargo account. 

On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. 

In response to this incident, I promptly reported the fraudulent activity to their customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. 

I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. 

As a loyal and long-standing customer of Wells Fargo XXXX XXXX have entrusted the safety and security of my financial matters to your institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. 

I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. 

Despite numerous complaints with the CFPB and Wells Fargo they will not prove to me that they were not involved in this fraudulent activity. I am told by Wells Fargo that they were not involved but offer no proof. 

Thank you for your understanding and cooperation in resolving this matter promptly. I eagerly await your response and a satisfactory resolution. 

Sincerely, 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 2024-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since transferring my mortgage from XXXX to Select Portfolio Servicing , Inc. XX/XX/XXXX, I can not get SPS to make monthly payments with the " fully amortized '' option. Instead, as interest rates increased, less principle is paid. The monthly amount remained the same. With 12 years remaining on the mortgage, I should be paying increasingly more principle per month. I could be looking at a 6-figure balloon payment in XXXX. 

Around XX/XX/XXXX, when interest rates were going up, I noticed my principal amount going down. The mortgage statement has 4 options : " Minimum '', " Interest Only '', " Fully Amortized '', " Accelerated ''. " Minimum '' and " Accelerated '' have the same principal/interest distribution ; they shouldn't be the same. " interest Only '' is not applicable. " Fully Amortized '' has a higher principle, but it appears to fluctuate slightly from month to month but only between about {$900.00} and {$950.00}. 

I've always paid the " Fully Amortized '' with other servicers, so I called to complain. They said they'd correct the situation, but they simply added a fixed extra principle payment of {$270.00}. I still didn't have the fully amortized payment. 

I called a couple more times over the course of a year, and spoke to a reassuring service representative. Ultimately, unsatisfied I finally wrote and mailed a letter on XX/XX/XXXX. SPS responded in writing, called, and told me that payments were being made with the fully amortized option. 

Looking at my Form 1098 for XXXX, I noticed my principal payment was only {$9400.00}, and my interest paid was {$14000.00}. I will call SPS again about this, but my principle should be lower by now. 

I only have the paper brick version of our original XXXX mortgage from XXXX XXXXXXXX ( acquired by later by XXXX ). I requested any original loan documents and information from Select Portfolio Services , Inc. but have yet to receive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm and XXXX is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. Affirm has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. XXXX is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since XXXX is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I review credit report and notice 29 department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only XXXX accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is furnishing inaccurate information to Experian. I have an equitable interest in my application which is letter of credit that XXXX XXXX accepted. The interest every month should be used to settle the account therefore the account can not be late. Experian is benefiting from XXXX XXXX selling this information to them to report inaccurate to damage my reputation.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX REPLY ACCOUNTS ARE UNDER REVIEW.YET CONTINUE TO TRANSMIT LATE PAYMENTS. INFORMATION TO ALL CREDIT AGENCIES EFFECT MY APPROVAL ON ANY LOANS I HAVE APPLIED THIS IS IS IN VIOLATION OF FTC UFC 16. THEREFORE ARE LIABLE FOR DAMAGES I HAVE INCURRED {$10000.00} TO DATE

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
About a month ago i found out that im a victim of identity theft. That started in XXXX & I just found out an extended date XX/XX/XXXX So im working on this traumatic data breach. Which they compromised my name, phone number, the address and my social security number. And my family is very devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: TX

Complaint narrative:
Amount {$120.00} Date opened was XXXX XXXX XXXX Account paid in full Response from Experian Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. 

Over XXXX and Experian will not remove from my 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 2024-01-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX  and XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. 
Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates XXXX XXXX of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as XXXX XXXX. XXXX ( Mail XXXX ) and XXXX XXXX. 
XXXX ( XXXX XXXX ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a charge on my account because I received faulty merchandise and tried to return it to the seller. On XXXX XXXX  for XXXX I messaged the seller trying to return the item and the seller ignored all my messages. I filed a chargeback on my account and received a temporary credit. Now the charge has been placed back on my account on XX/XX/scrub>XXXX XXXX XXXX  and capital one hasn't told me why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and Experian is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. XXXX has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. Experian is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since Experian is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.

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 2024-01-22 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the following accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXX  Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  Balance Owed : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear, Sir/Madam My name is XXXX. Since declaring bankruptcy at the height of the pandemic in 2020, my credit has been severely impacted, as anticipated. I am currently in the process of restoring my credit after three years, and it has been going exceptionally well with no late payments and a low utilization rate. The credit report update from Equifax today resulted in a decline of approximately XXXX points. It is not acceptable for credit bureaus to consistently lower my credit scores with each update. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Alliant Credit Union has been reporting information to XXXX, XXXX and XXXX without my consent since XXXX of 2021. I have been wanting to Opt-out of having my information shared with these Credit reporting Agencies. However, Alliant Credit Union does not give their members or former members the opportunity to Opt- out according to their privacy notice on their website. According the XXXX XXXX XXXX the information given to XXXX, XXXX and XXXX is considered nopublic personal information, therefore sharing it with a non affiliated 3rd party without giving me the option to opt-out violates the privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have had my credit report used for promotional purposes by a person or institution whom did not have my permission to use my consumer report/credit report. As a result, there has been hard inquires added to my credit report without my authorization. These reported hard inquires do not belong to me and i have no association with these banks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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