vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations.

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law.

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesXXXX, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2024-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-07 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: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as XXXX and my Proof of Address.

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 2024-08-07 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: IL

Complaint narrative:
THESE INACCURATE REMARKS ARE NEVER FOR ME AS I WAS NEVER LATE IN PAYMENT. PLEASE HELP ME UPDATE THESE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024 I sent {$500.00} via XXXX to my niece, XXXX XXXX, to help with the funeral of my nephew. The last digit was incorrectly entered and it was verified that the {$500.00} had inadvertently gone into an account that matched the number that I had entered by mistake. The number that I entered was XXXX and it should have been XXXX and it went into XXXX instead of XXXX. When I tried over and over to get the money reimbursed to my account, Wells Fargo Bank said there was nothing they could do, even though it was documented that the money went into the wrong account by mistake. I filed a claim with Wells Fargo to try to get my money back but no one would follow through to help me get reimbursed. I would appreciate it very much if you would get my money refunded to my account. The claim number that Wells Fargo gave me is XXXX. Thank you very much for your help in resolving this. I am an XXXXXXXX XXXX citizen on a fixed income and {$500.00} is a lot of money for me to lose. Again, thank you for your help.

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 2024-08-08 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: TN

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

Company 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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I called three times and spoke to three different people regarding the interest charges on my account. The interest charge and payment increased close to {$100.00} dollars and I wanted to know why. The first person I spoke to stated it was due to the balance on the card increasing. I informed the representative that was inaccurate and the balance had decreased which she then checked the statements and confirmed that to be true. The second person attempted to tell me the same thing and when I informed this representative that was incorrect she hung up the call. I spoke to the third person and she tried stating it was because the bill increased to which I told her that was incorrect and the bill reduced. She confirmed I was correct and then proceeded to tell me it was due to an increase in the interest due to the federal reserve and I asked why I did not receive a notice informing me of this and asked what the amount was. She stated the interest rate increased from 21.99 % to 29.99 %. I informed the representative 8 % would not have caused a {$100.00} increase. She then proceeded to tell me the interest charge and payment increased because I did not pay the full minimum amount in XXXX to which she then confirmed I did make the minimum payment required from that statement. She then proceeded to tell me it was because I was only making the minimum payment and this is why the interest charge and monthly payment increased. By that time I was fed up and informed the representative that I will be filing a complaint with CFPB.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-07 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: VA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I updated my address for my business bank account last week on XX/XX/2024. I then sent NFCU a message through my online banking portal to request a bank statement that shows my correct updated address. I need this document to update my business address and SAM.gov in order to fully registered my small business as a government contractor. However, no one responded to my message so I ended up calling NFCU this week Monday on XX/XX/2024, and was transferred to 3 different departments. I had to explained why I need this updated bank statement several time which is ridiculous. After I was transferred to the 3rd department, I then was told that the interim bank statement request will be submitted, and that I will receive the new bank statement with the correct address. I was then told to check for the statement between XXXX to XXXX which it should be available by that time. When I checked my online bank account the next day on XX/XX/2024. The bank statement was there but it did not have the correct address that was updated on my account, which was the reason for the request. So I had to call again on XX/XX/2024 to find out why the statement was not processed correctly to request a new correct statement but they are now refusing to provide me with a correct bank statement. And the bank verfication letter is not accepable for the GSA that processes entity registrations for SAM.gov This credit union is now causing an issue with my business registration because of their bank error. They are hiding behind there policy when techncially they can sent a ticket to their IT department to manually generate the bank statement. And my business should not have to pay for their mistake. I also provided the message they sent to me which pretty much states that they can only generate 1 interim statement cycle. However, that 1 interim was incorrect due to their bank error. Therefore, they should correct this mistake.

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 2024-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE INACCURATE REMARKS ARE NEVER FOR ME AS I WAS NEVER LATE IN PAYMENT. PLEASE HELP ME UPDATE THESE.

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 2024-08-07 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: Fay Servicing, LLC
State: FL

Complaint narrative:
I have called numerous times and emailed FAY Servicing. They have given me the run around and can not give me an explanation as to why my mortgage increased by {$610.00} a month since they took over. My taxes and insurance have not gone up. I have tirelessly called and requested to speak with a supervisor and I am ignored. I have proof of various emails and have been also ignored. This has been going on for more than two billing cycles. I have pleaded with anyone that picks up the phone for a resolution and NOTHING has happened. To whom ever is reading please help. You can XXXX  FAY Servicing and their reviews, as many of their clients are going through the same situation. This is so unprofessional, not sure how a company is ran this way. I am eagerly ready to show proof of all emails showing communication and lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MI

Complaint narrative:
Approximately 5 months ago, Cashapp closed my account but never explained why. I have spoken to 4 reps and 2 managers and still have not gotten results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX I mailed in a dispute letter via certified mail. It included statements, ID information and details of the items being disputed. I requested copies of the documentation used to validate the data on the report or delete the information. 

on XXXX XXXX XXXX I received this email from Experian : XXXX XXXX XXXX XXXX XXXX " We received a recent request regarding your credit information that does not appear to have been sent directly by you or authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 
" On the same day, XXXX, I called the number Experian provided with the request to identify what specifically this email was referencing and what details in my dispute letter were incorrect. I was bounced around from fraud to consumer affairs and back to fraud. Through XXXX different reps, no one provided help. The last rep put me on hold, and after XXXX minutes of being held, they came back on the phone, acted as if they couldn't hear me, and hung up. Wasted XXXX minutes. 

I called back moments later and got bounced around again. The first person I spoke to told me to provide a pin which NO ONE else asked me for, They then told me the items are deleted in her system when those emails go out and she couldn't confirm what documentation the email was about. She proceeded to tell me to email it again! I requested an escalation, and I finally spoke to someone who was able to see the rejection email. they said they weren't sure why the dispute letter was not accepted. He said it could be because the system thought it was based on a template being ( I disagreed with this ). They said they could not be sure but told me to resubmit a clear copy of ssn card. They had me use the site 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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absolutely bothering me to see inquiries on my credit report which I do not recognize, this is definitely stressing me out and making me anxious wondering how and why can this happen. I am fully aware of the things I apply for and these companies - I never authorized these nor given consent to them to pull up my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation