vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to XXXX XXXXXXXX XXXX  XXXX XXXX. Account Name : American Express XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( XXXX  mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( b ) And according to XXXX XXXX XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to XXXX XXXX XXXX they are supposed to 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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was trying to learn how fix my credit and raise my credit score and dispute stuff that was not right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I paid them between XXXX XXXXXXXX a month for XXXX  years to fix my credit and they never did. This was in XXXX. I called them on numerous occasions and I was told either someone would call me back or they would mail me out something neither happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding a blatant violation of the Fair Credit Reporting Act ( FCRA ) under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, an unauthorized credit inquiry from XXXX XXXX was made on my Transunion credit report. This inquiry occurred without my consent, written authorization, or any permissible purpose, as required by federal law. I have not engaged in any transaction with this company nor granted permission for them to access my credit report, making this inquiry unlawful under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  prohibits obtaining a consumer report under false pretenses, which directly applies to this situation. Please consider this matter urgent. I trust the Consumer Financial Protection Bureau will take immediate and decisive action to enforce the law, rectify this harm, and ensure that my rights under the FCRA are fully respected. I have attached a copy of my credit report circling the disputed inquiry.

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 2024-12-28 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:
Ive reviewed my credit report and found multiple billing inaccuracies. These late payments dont align with my typical payment habits. Please address these mistakes and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$190.00} to XXXX " XXXX XXXX '' for an XXXXXXXX XXXX XXXX. I paid him directly through XXXX, using the account name he gave me. I do not a record of that account name, just his name. 

On XX/XX/XXXX, he collected funds. He never sent me the card or any tracking information or any indication that it was being shipped. He only noted : Domestic : NO SHIPMENT TRACKING XX/XX/XXXX, Sent by MANUAL Status : On Hold This was a direct purchase via an e-mail offer. 

I think I was phished or scammed.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Received a Wells Fargo credit card I did not apply for.

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 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name & credit was being used, I was a victim of fraud last year. I was able to remove those hard inquiries that I didn't authorize. I have none on experian but XXXX XXXX trans union have yet to remove them. These are theyXXXX 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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Subject : XXXX XXXX  Failure to Investigate Charge Dispute, Violation of Federal and State Laws, and Merchants Refusal to Provide Documentation I am filing a formal complaint against TD Bank for failing to properly investigate my charge dispute ( Claim Reference XXXX ) and for violating both federal and state laws. TD Bank informed me on the phone that the merchant, XXXX XXXX, told them that they do not have to provide a receipt for the disputed charge. This directly conflicts with legal requirements for merchants to provide documentation when a charge is disputed. 

Federal Law Violations : Under Regulation Z ( XXXX XXXX XXXX ), TD Bank is required to investigate disputes and obtain documentation directly from the merchant. XXXX XXXX  failure to request the signed receipt from the merchant, after the merchants refusal, violates this regulation. 
Additionally, Regulation XXXX ( XXXX XXXX XXXX ) of the Electronic Fund Transfer Act ( XXXX ) mandates that financial institutions, including TD Bank, ensure that merchants provide necessary documentation during a dispute investigation. XXXX XXXX statement that the merchant is not required to provide this receipt shows a clear violation of this federal law, as TD Bank failed to fulfill their duty to request the signed receipt from the merchant. 


XXXX  XXXX XXXX Violations : XXXX  XXXX XXXX mandates that merchants must provide truthful representations of charges, and in disputed cases, merchants must prove that the charge was authorized. XXXX XXXX failure to obtain this proof from the merchant, particularly after being told that the merchant is not required to provide the documentation, is a violation of XXXX  law. 

XXXX  XXXX XXXX places the burden of proof on the merchant to provide documentation, such as the signed receipt, when a charge is disputed. XXXX XXXX decision to accept the merchants refusal without pursuing the documentation is a clear violation of XXXX  law. 

XXXX  XXXX  XXXX XXXX Violations XXXX XXXX XXXX  XXXX XXXX XXXX XXXX prohibits deceptive business practices, and TD Bank has engaged in deceptive practices by failing to investigate the charge dispute thoroughly and by allowing the merchant to avoid providing documentation required by law. 

XXXX XXXX XXXX  XXXX XXXX requires financial institutions to investigate disputes and resolve them in good faith. XXXX XXXX acceptance of the merchants refusal to provide a signed receipt shows a clear failure to investigate in good faith. 

Requested Action : I demand that TD Bank immediately credit my account with the appropriate amount for this disputed charge. If TD Bank does not resolve this issue within XXXX business days, I will pursue further legal action and escalate my complaint to relevant regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
The reporting for this account is factually incorrect in multiple ways : - I have previously requested validation of this account, which was not properly completed, nor was an accurate accounting of it received by me. 
- This vehicle was repossessed and had XXXX XXXX  The repossession cut the original balance. As a repossession counts as a loss, the finance company was paid the balance. 
- Even if I didnt have XXXX XXXX ( but I did ), the balance on my credit reports reflects late payments after the repossession. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. 
- Late payments continued to be reported after the repossession. A monthly payment should not exist after a repossession has occurred. 

Attachment shows balance right after repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 used the credit repair services in the early XXXX not sure of the date and my credit was never fixed for the amount of money that I paid. I am still paying for XXXX XXXX as of this date through my pay roll

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX failed to follow the fair credit reporting act and investigate the autocracy of information being reported on my credit report. I have disputed LVNV Finding, LLV collection account several times that came back verified. I do not have an account with LVNV funding LLC and this account has not been verified with the validation letter to support collection account. XXXX failed to follow several USC codes 15 USC 1681i, 1692, 1692g. I will seek legal actions if XXXX don't properly verify the accuracy of the information and if it can not be verified, I am demanding a deletion of my XXXX credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a few addresses and names on my report that arent mine and its affecting my score Ive spoken with XXXX XXXX a few times to have this removed but there still there

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 2024-12-28 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/year> I sent a letter to Portfolio Recovery and carbon copies to XXXX and XXXX requesting the following : 1. Documentation verifying that I am the debtor, such as a copy of the signed contract or any other agreement showing my responsibility for this debt.

2. Account details and transaction history, including a complete payment history, the original balance, and any fees or interest that have been added.

3. Proof that your agency is legally authorized to collect this debt, including documentation of your legal standing as the debt owner or the collector on behalf of the original creditor. 

On XX/XX/year>, I received by mail a copy of a billing statement from another company not them or any other document requested. I explained this to XXXX XXXX and XXXX Credit reporting that they were reporting erroneous, negative, information. No response and it is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
Upon inspecting my most recent credit report, I identified several accounts that I did not open. I demand these be removed immediately as they are incorrect and unauthorized.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I put in fraudulent cases and my money being missing and they saying, I lost the case. I didn't have a debit card to get money out of the bank and my money is missing and they say the money is missing from XXXX. I'm from New Jersey.

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 2024-12-28 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: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX  XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$0.00}

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contact XXXX and tried to get a debt removed that was incorrect. But I was told that they couldn't do that and this was told a month ago I'm trying to fix my credit and they're hindering me I would like answers on why I have amount on my credit next to the company name. That's illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-28 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:
I received several different letters. The last letter that I received was XX/XX/year>.

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 2024-12-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXXXXXX XXXX  XXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX  XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX 

Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX  Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXXXXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. 

Provide documentation that links me to the debt, such as original signed agreements or contracts. 

Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully.

Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges.

Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt.

Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws.

Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting.

Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.

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