vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
Original complaint XXXX submitted XX/XX/year> response XX/XX/year> This matter is not settled due to my rights being violated. My information continues to be reported inaccurately on my credit report. The documentation provided listed the name, but I do not recognize the company or accounts for which they sent documentation. I also, have not received any paperwork from the Ohio court departments, that pertained to any debts. None of the documents that were sent were any of the documents I requested for validation of any of the alleged debt owed to LVNV Funding as the owner of alleged debt or Resurgent Capital as the servicer of the alleged debt. The documentation originally requested validation letter with my original signature, chain of assignment letters, forward flow agreement, and purchase agreement, have never been received to validate any debt. Since this documentation has not been provided and I do not have any knowledge of a signed contract with Resurgent Capital/LVNV Funding my rights under XXXX XXXX XXXX have been violated. 

In addition, I am requesting a description of the procedure used to determine the accuracy and completeness of the information that is being disputed. Who was interviewed regarding this account? How did you come to this determination? What process was used to determine the alleged amount owed? Proof the company is licensed in my residing state of Pennsylvania. If the requested documentation is not provided and verified per FCRA and Consumer Law guidelines, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) B, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent Activity on Wells Fargo Account - XXXX XXXX XXXX On XX/XX/year>, my Wells Fargo checking account was targeted by fraudulent activity at the XXXX XXXX, CA XXXX, where I have never conducted business. A Wells Fargo Customer Service representative informed me of the following details : Two fraudulent checks were deposited via separate transactions on XX/XX/year> : XXXX for {$1300.00} and the other for {$2700.00}. 
A {$1000.00} withdrawal was made in-branch on the same day. 
The {$2700.00} check was flagged as fraudulent on XX/XX/year>, and the corresponding adjustment was made to my account. 
The {$1300.00} check was flagged as fraudulent on XX/XX/year>, and that amount was removed from my account. 
Despite the identification of fraudulent activity, the {$1000.00} withdrawal was processed. 
I was notified via email on XX/XX/XXXX at XXXX pm that my account would be closed due to altered check deposit attempts, indicating that the fraud occurred before that time. 

Upon visiting my local XXXX XXXX branch at XXXX XXXX XXXX XXXX, I was told by staff that account details and ID photos are often compromised at restaurants and bars. I confirmed that my California driver 's license and Wells Fargo debit card remained in my possession throughout the relevant period. Their explanation seemed to suggest that such incidents were common and that Wells Fargo would handle the matter. 

However, Wells Fargo subsequently denied my fraud claim, citing a lack of bank error in a XX/XX/XXXX letter, and a XX/XX/XXXX email. They claimed the transactions were made by myself or someone with my permission, a claim I dispute. This accusation is unfounded, as it is implausible that someone could withdraw {$1000.00} from my account, even with my permission, especially when the account should have been flagged for fraudulent activity and had insufficient funds to cover the withdrawal. This seems to be a blanket statement made to shield the bank from responsibility for an employee 's failure to properly verify the identity of the person conducting the in-branch transaction. 

I have been informed that the {$1000.00} withdrawal, which resulted in an overdraft, will be sent to collections if the balance is not paid. 

I have provided documentation confirming my presence at work in XXXX XXXX, CA, from XXXX AM to XXXX PM on XX/XX/year>. I am confident that the signatures on the fraudulent checks and branch video footage will confirm my non-involvement. I am willing to sign an affidavit attesting to this. 

Further documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: FL

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

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 2025-03-17 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: HI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-17 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: RI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: RI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent settlement payments for XXXX credit cards that were previously charged off. I saw the settlement amounts on website on XX/XX/XXXX, took camera photos of the website, sent the required funds to settle account in one monthly payment. The payments were sent by electronic transfer and I noted on the memo XXXX one monthly payment. The payments were received by creditor, posted to my accounts but they refused to honor this settlement. The accounts should now say debt settled for less than amount owed and show a zero balance. Capital One customer service told me the settlement expired but they did not have an expiration date on the website. I did not sign a settlement agreement because the information requested was none of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited around {$2500.00} at a Chase ATM ( XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX ) on XX/XX/year>. ATM broke while I was depositing and gave me an error receipt. Called Chase and they said they'd investigate and may credit my account in 1-2 business days. But I need to use my money today and they won't give me back my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
To whom it may concern, I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why Congress outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.

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 2025-03-17 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:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Unfortunately, I was a victim of scam. As a XXXX XXXX I had funds in my account through my bank account. The scammers took advantage me as they made me redeem checks that were real but then later got refunded. Then I sent them " their money '' through XXXX  XXXX  authorized the transaction of XXXX dollars and froze my account. Now I can not unfreeze my account of reach out for contact support. These loans allocate interest so not repaying my student aid would mean much more payment later on. XXXX just has a terrible support system and will not reach back or help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-17 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:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Name : XXXX XXXX XXXX Name : XXXX XXXX  XXXX As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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