vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies.

I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX  and myself pertaining to the account in question.

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that Equifax has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within 14 days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
Subject : Dispute of Account - LVNV Funding LLCXXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the LVNV Funding LLC account information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies.

I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between LVNV Funding LLC and myself pertaining to the account in question.

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Provide the precise date on which the LVNV Funding LLC account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the LVNV Funding LLC account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that XXXX has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so. 

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged an overdraft fee on Monday XX/XX/2024 for a withdraw that was taken out Friday XXXX XXXX  2024. At the end of that business day on XXXX XXXX 2024 there were sufficient funds. I have a screenshot of the balance at the end of the business day Friday XXXX XXXX, 2024 as well as several screenshots from that day and Monday XXXX XXXX 2024. I spoke to the bank and was escalated to a department that claims they researched and that the overdraft fee was taken because there were not sufficient funds in the account. They claimed that was the highest I could escalate this matter. I told them I had a screenshot as proof that the withdraw came out on Friday XX/XX/2024 and that there was even a balance in that account at the end of the business day, but she wasn't concerned with the fact and did not ask to see the proof I had. Just disregarded the proof and apologized that I was upset.

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 2024-04-03 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Upon reviewing the personal credit report obtained from your organization on ( XXXX ), I observed an unauthorized inquiry : The inquiry was not authorized 1. XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from 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
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I woke up to an email from Chase Bank that they had restricted my account ( Checking & Savings ) with them. I called them immediately to resolve this. They provided no help and just told me that the restriction is permanent and that my account would be closed in 7-10 business days and that I would receive a check with remaining funds. They provided no reason as to why it was being closed for no reason. I went in person to a Chase and asked the same questions and asked for options to receive the funds sooner as Chase is my only bank and this has left me without ANY access to my funds. My direct deposit from my job also went through the day after this so I have no access to that ( I tried to cancel it but it wasnt in enough advance of the direct deposit, it was already scheduled ). I can not buy food, access transportation, buy necessary healthcare products, etc. In person they said the same thing. They said they were ending the relationship without any explanation as to why and that I could not expedite the funds. I followed up today, 6 days after the initial email, to see when the account would be closed or get any sort of update as to when I would receive my funds. Again, they provided me with no information and the representative said it should close within 10 business days. I asked her to clarify if that meant 10 business days from the original email or from today. She was very vague and danced around the question. After researching online, I found that Chase is notorious for closing accounts for no reason and with no notice. They do not care if their long-term, loyal customers are able to eat or pay for their shelter or healthcare products. I need these funds sent to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: IN

Complaint narrative:
I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I ordered them to stop transaction, but it was too late, I provided them info to the scammer which I had to find myself bc their investigation was a failure I contacted them with proof after contacting the scammer proving it was them and they done it but they allowed the scammer to keep my money and thats not bc fair after I provided proof and had to do my own investigation contacting a stranger that has bad intentions! Its danger

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
I am writing to dispute fraudulent accounts that were opened in my name with XXXX XXXX without my knowledge or authorization. I am an identity theft victim and did not open or approve these accounts myself. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. I am requesting that the CFPB take the following actions : XXXX ) Investigate this matter and ensure the immediate removal of any XXXX XXXX  accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, XXXX, TransUnion ). 

XXXX ) Require XXXX XXXX  to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

XXXX ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

The FCBA states that upon notification of potential identity theft, creditors must cease collection efforts and resolve the dispute within 30 days. The FCRA gives me the right to dispute errors on my report and requires credit bureaus to investigate any items I dispute within 30 days. 

I have enclosed copies of the identity theft report I filed with the Federal Trade Commission and my local police department. This documentation verifies that I am a true victim of identity theft. 

Please promptly investigate and take the requested actions. I am an innocent victim and should not be penalized for fraudulent accounts opened through no fault of my own. Let me know if any other information is required to resolve this matter. 

Thank you for your attention to this serious identity theft issue. I look forward to receiving an update from you within 30 days on the outcome of your investigation and actions taken.

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 2024-04-03 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:
I am writing to dispute fraudulent accounts that were opened in my name with XXXX XXXX without my knowledge or authorization. I am an identity theft victim and did not open or approve these accounts myself. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. I am requesting that the CFPB take the following actions : XXXX ) Investigate this matter and ensure the immediate removal of any Courtesy Finance accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( XXXX, Equifax, XXXX ). 

XXXX ) Require Courtesy Finance to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

XXXX ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

The FCBA states that upon notification of potential identity theft, creditors must cease collection efforts and resolve the dispute within 30 days. The FCRA gives me the right to dispute errors on my report and requires credit bureaus to investigate any items I dispute within 30 days. 

I have enclosed copies of the identity theft report I filed with the Federal Trade Commission and my local police department. This documentation verifies that I am a true victim of identity theft. 

Please promptly investigate and take the requested actions. I am an innocent victim and should not be penalized for fraudulent accounts opened through no fault of my own. Let me know if any other information is required to resolve this matter. 

Thank you for your attention to this serious identity theft issue. I look forward to receiving an update from you within 30 days on the outcome of your investigation and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
The company Aargon Collection Agency was calling me many times to pay a medical debt, I was paying month by month and almost to finish the debt we made a payment agreement which was made in the month of XXXX, however the Aargon agency has continued withdrawing money of my card without authorization for a debt that I supposedly do not have.

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