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: GOLDEN 1 CREDIT UNION, THE
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 15 U.S. Code S 1681. Account Name : Golden 1 CU # XXXX 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 ( certified 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 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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 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: TX

Complaint narrative:
Ive discovered unauthorized hard inquiries on my credit report that violate 15 USC 16c-2. This misinformation is impacting my credit, so I ask for their removal.

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: 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: AZ

Complaint narrative:
This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for capital one and there are several Capital one accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/scrub> 2023 2023

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: TX

Complaint narrative:
I am writing to formally request the deletion and blocking of certain accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific accounts and inquiries that I believe are the result of this data breach and should be removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX XXXX # XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$2100.00} Fraudulent Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A bunch of charges showed up on my account. PNC even reached out letting me know ahead of time. I dispute it and was denied without any information. I need my {$600.00} back

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: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
Lexington Law never provided service but took monthly dues

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: PNC Bank N.A.
State: NJ

Complaint narrative:
I sent a payment to someone I was buying an TV from and within minutes they proceeded to take out an additional XXXX plus the original of XXXX I sent for the TV for a total of XXXX. PNC would not take any action insisting I had not been scammed and neither would XXXX. XXXX would not get involved in helping my situation either.

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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hereby state that I did not receive my periodic statement for my XXXX account XXXX from XXXX within the 21-day timeframe required by 15 USC 1666b ( a ). This statute mandates that creditors mail or deliver periodic statements, including the required information under 15 USC 1637 ( b ), at least 21 days before the payment due date.

I further state that the failure to receive my periodic statement within the 21-day timeframe may have prevented me from making timely payments and may have resulted in adverse consequences such as late fees, negative credit reporting, or other penalties.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I paid for a game with my vanilla gift card yesterday for some video games on steam and I say that my card is overcharged twice when I paid for the games I saw that it was a problem that needed to be fixed

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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Dear Sir/Madam, I hope this message finds you well. I am writing to formally request further clarification regarding the denial of my Service members Civil Relief Act ( SCRA ) benefits for my Wells Fargo Home Projects Credit Card account. As an XXXX XXXX XXXX  of the United States XXXX XXXX XXXX in Louisiana, I believe I am entitled to these benefits under Louisiana statute 29:312, which aligns with the provisions of the SCRA, as you can see below.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

Despite my previous inquiries and the expectation of receiving a letter or email with a detailed explanation of the rejection, I have yet to receive any communication from Wells Fargo outlining the reasons for this decision. I have reached out to Wells Fargo several times over the past couple of months, but I have not received a clear answer, nor have I been provided with any documentation to explain why I am being denied the SCRA benefits to which I am legally entitled.

I respectfully request that Wells Fargo provide me with the following : Any further steps or documentation required to reconsider my eligibility under the SCRA because I am legally entitled to it.

I trust that Wells Fargo will honor the protections provided under the SCRA as stipulated by both federal law and Louisiana state law.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has the account has paid off and as charged off but will not update or remove the lien from the property and update the report on all 3 reports.

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 — Reporting company used your report improperly
Company: Block, Inc.
State: GA

Complaint narrative:
I received several different letters. The last letter that I received was XX/XX/2024.

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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received a gift card in the amount of {$500.00} to my work address - XXXX. I have attempted to use this card at multiple online retailers and am declined every time. The card shows a valid balance of {$500.00}. I have tried transactions less than and equal to {$500.00} with no success. I have seen other complaints of this same nature on various Internet forums. I would like to be able to use the money that is gifted to me, but I am unable.

Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
two accounts reporting on XXXX and TransUnion I requested XXXX XXXX XXXX  to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to XXXX XXXX XXXX  by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.

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: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
two accounts reporting on XXXX and XXXX I requested Toyota Financial services to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to Toyota Financial services by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was exposed to a data breech with Experian nd XXXX. All of my information was leaked and now found on dark web including but not limited to Drivers License number, birthdate, social security, email and physical address. My credit report is compromised and not accurate by their own admission.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint to formally dispute and request validation of a debt reported by Bridgecrest Credit Company to my credit report. I am also requesting the immediate removal of this account from my credit file due to the following concerns : Nature of the Complaint : 1. Failure to Provide Validation of Debt : o Despite my written request for validation under the Fair Debt Collection Practices Act ( FDCPA ), Bridgecrest has not provided sufficient documentation to validate the debt.

o Specifically, they have failed to provide : A copy of the original signed agreement or contract proving the debt is mine.

Documentation showing their legal authority to collect this debt.

2. Inaccuracies in Reporting : o The reported balance of {$6500.00} may include unverified fees, charges, and interest that were not substantiated.

o The Date of First Delinquency ( DOFD ) is unclear and possibly inaccurate, which could extend the reporting period unlawfully.

3. Violation of Consumer Protection Laws : o Bridgecrests collection practices appear to violate the FDCPA by failing to validate the debt as required.

o Reporting errors and potential re-aging of the account may also violate the Fair Credit Reporting Act ( FCRA ).

4. Repossession and Sale Process Issues : o Bridgecrest has not provided : A copy of the required Notice of Sale related to the vehicle repossession.

Proof of the sale details, including the sale price and how the proceeds were applied to the balance.

o These omissions raise concerns about compliance with the Uniform Commercial Code ( UCC ) and applicable state laws.

Company response to consumer: Closed with explanation