vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Day. I have a personal loan with upgrade. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: GA

Complaint narrative:
Good Day. I have a personal loan with XXXX. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account immediately.

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 2024-07-14 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:
In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights. REPORT # XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

12 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX. 
15 USC 1692 15 USC 1605 I am not liable for this debt with amshercollectionservices I do not have a contract with amshercollectionservices they did not provide me with original contract as requested.

Correction to my credit report. I demand this account be removed from my credit report.

This is not my account .I have no knowledge of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Request for Clarification and Resolution of Withheld Wire Transfer Attention, Wells Fargo Bank Compliance Department I am writing to formally request clarification and resolution regarding a wire transfer that has been withheld by Wells Fargo. Despite my repeated inquiries, I have been informed that the transaction is being held in compliance with the Office of Foreign Assets Control ( OFAC ) regulations. However, I have not received sufficient details to understand the specific reasons for this action. Requesting Clarification : 1. Please provide a
detailed explanation of the specific OFAC regulation or sanctions list that prompted the withholding of my wire transfer.

2. Clearly outline the rationale behind the determination that my transaction falls under the said regulation.

3. Provide documentation or evidence showing the due diligence conducted by the bank in relation to this transaction.

4. Explain why I was not adequately informed of the reasons for withholding my funds at the time of the transaction. 

Given the financial and reputational damage I am incurring due to the withholding of my funds, I request an immediate review and resolution of this matter. If the withholding of my funds was due to an error or misapplication of OFAC regulations, I urge the bank to release the funds without further delay.

If I do not receive a satisfactory response within 15 business days, I will have no choice but to explore alternative courses of action. These may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ), as well as seeking legal reco
urse to recover my funds and any associated damages. I have represented myself in Federal Court against a US Regulatory Agency in California and won that case and will do the same against Wells Fargo should you continue with not providing a valid reason for refusing to deposit my wired funds as it seems like you say it was rejected returned on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX, I got reported that a check had bounced from my account, I then tried to ask why, and was told that it was nothing to be done with the check being returned and leaving my Account int he negatives! I later then XXXX, XXXX, contacted the fraud department for resolutions and solutions to this now problem! Was keep getting directed with little but no help On actually resolving issue. I never got tooken care of on the financial background of support, only getting redirected to another line of their company.

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 2024-07-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Formal Dispute of Inaccurate Information on Credit Report - XXXX XXXX XXXX Dear Equifax Information Services , I am writing to dispute the following inaccurate items on my Equifax credit report : 1. **Auto Loan with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reported : XXXX. XXXX, 2024 - Balance : {$5600.00} - Status : Closed, In Repossession - Remarks : This account is inaccurately reported as derogatory with a repossession status. I do not have any association with this loan. 

2. **Credit Card with XXXXXXXX XXXX* - Reported : XXXX. XXXX, 2024 - Balance : {$530.00} - Status : Closed, Charged off as bad debt - Remarks : This account is erroneously reported as charged off. There is no record of my ownership or transactions related to this credit card. 

3. **Unauthorized Hard Inquiries** - Several unauthorized inquiries from institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, are listed on my report without my authorization or knowledge. 

Enclosed are copies of documents verifying my identity, including my driver 's license and a recent utility bill. According to Metro 2 guidelines and the FCRA, I request Equifax to investigate these discrepancies promptly and delete or correct the inaccurate information from my credit file. 

Please send me a written confirmation once the investigation is complete and the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone I dont know opened a Capital One Quicksilver credit card under my name without my consent. Ive already contacted Capital One fraud department as well as XXXX. I was told to submit a report to the FTC and was redirected to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: CA

Complaint narrative:
As of XX/XX/year> I was getting XXXX XXXX  done at XXXX XXXX in XXXX ca, They pressured me to get a XXXX and to finance the XXXX through sunbit, while starting to make my payments I never received a XXXX I never received a called saying that Ill be receiving XXXX, I just kept getting pushed back months after months past by, I called sun it to cancel because I cant pay for someone never even received they told me that there was nothing they can do and to call XXXX The XXXX  I tried to complain to XXXX XXXX and nothing was done. So now Im in debt for something I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have previously made complaints against Navient. My private student loans were obtained between XXXX and XXXX in the amount of $ XXXX. I now owe close to {$80.00} due to interest. I have been paying on these loans since that time. However, every XXXX months I have to call and beg Navient to work with me on a payment that is acceptable for myself and my family. They threaten to come after me, my job and my family. They have told me to just " get a second job '' when that is not possible. 

I have to default on the loans to make this company work with me every XXXX months. They also do not apply my payments correctly and then call and harass me and my family for {$11.00} dollars due to Navient not apply the automatic payment correctly. 

Recently, I have entered into a payment plan for XXXX out of XXXX private loans. I can not afford the fourth loan amount. XXXX XXXX with Navient has called my family members disclosing that I have a loan with Navient that is in default. Navient has been calling family members that are not on the loan and who are also not the cosigners on these loans. Navient has also called the father to my child who is not a part of my household nor is listed on any of these loans. My phone number and email are the same that have been listed on these loans since XXXX. I reach out after the threats are made and the calls recently have not been going through. 

XXXX XXXX has left voicemails on family members phones about myself and my loans that are again, not listed on any of these loans. 

Navient and XXXX XXXX recently left me a voicemail that if I do not call them back, they will " take that '' as an agreement to call my employer which I do not have XXXX listed on my account for over a year. 

Since XXXX, I have paid these loans off at least twice. They push and threaten me into payment plans that are not realistic. They call and threaten me and family and also disclosing confidential information to outside parties that are not listed on the loans. 

I want to file a complaint for harassment and abuse of power on Navient. The bully their borrowers into plans that force us going into debt trying to meet their payments plans. They have ruined my credit due to not applying the payment correctly when they automatically withdraw it out of my account monthly. They are also disclosing HIPPA to outside individuals that are not listed on the loans and have my direct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: AR

Complaint narrative:
These do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
As of today, XX/XX/2024, it has been over 30 days since my submission for several alleged charge-off accounts listed in my credit report. According to 15 U.S. Code 1681i, if a credit bureau can not verify the disputed item within 30 days, it must be removed from the consumer 's credit profile. Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), information furnishers must not report information on a consumer that they know or have reasonable cause to believe is inaccurate. Furthermore, as stipulated in 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: AL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account Amount XXXX Account NameXXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX Date XXXX Account XXXX Reason for disputeXXXX XXXXXXXX Account Amount XXXX Account Name_XXXX Date open_XXXX Account XXXX Reason for dispute__XXXX XXXX Account 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 2024-07-14 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: AL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian keeps emailing me to reconnect my bank account to their services. I did, and they say my bank account is connected to their services when I'm on their website. But, they continue to email me connect my bank account. There's no way to contact them except phone or mail. They don't make available a live agent. I want them to quit emailing me constantly or delete my account. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
Someone I dont know opened a XXXX XXXX XXXX XXXX XXXX under my name without my consent. Ive already contacted XXXX XXXX fraud department as well as Experian. I was told to submit a report to the FTC and was redirected to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: AR

Complaint narrative:
These inquires do not belong to me : XXXX XX/XX/2023XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXX/XX/2023XX/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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one late payments on my credit report as a finance company using code sim USC 15 1681 and 605 Consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello XXXX  Flight Transaction for {$1300.00} On XX/XX/2024 I bought a flight ticket with XXXX, ( also known as XXXX XXXX ) the ticket amount was {$1300.00}. I used my debit card ending XXXX and my Chase account was debited with {$1300.00} ( account screenshot attached ) In my correspondence after payment with XXXX my flight reservation was confirmed ( correspondence attached ) On XX/XX/2024 XXXX canceled my reservation claiming my " payment didn't go through '' even though my account was funded and debited immediately on XX/XX/2024 ( correspondence attached ) I mentioned to XXXX representative XXXX that my account was debited for the flight ticket {$1300.00} and sent a screenshot to XXXX his manager after which they claimed the amount will be refunded after XXXX - XXXX business days ( correspondence attached ) On XX/XX/2024 I made a transfer of {$73.00} into my chase account to make up the money needed to enable me buy another flight ticket for my scheduled trip, and bought directly from XXXX XXXX - flight ticket {$1000.00} After my XXXX XXXX flight ticket purchase, the balance in my account was $ XXXX ( a dollar and some cents ) I did no further transactions on the account awaiting the refund from XXXX  for {$1300.00} On XX/XX/2024 my account balance became {$1100.00} - I promptly reached out to Chase Bank teams on phone and at XXXX physical location to explain the error however, it was a sad experience and Chase Bank representatives were not helpful at resolving the loss of my funds On XX/XX/2024 my account was debited for {$1300.00} On XX/XX/2024 a refund of $ XXXX was credited into my account Missing/stolen fund is $ XXXX Request ; kindly assist to enable Chase Bank and/or XXXX refund my stolen money Hoping for a prompt resolution of this challenge Regards XXXX XXXX

Company response to consumer: Closed with explanation