vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for the Bilt Rewards credit card from Wells Fargo on Friday morning, XX/XX/XXXX. I had previously received an e-mail about the card and decided to apply. I currently have a checking account, savings account, and credit card account with Wells Fargo. My 100 % veterans ' XXXX and XXXX XXXX  XXXX are direct-deposited into my Wells Fargo checking account. On my bank profile is my mobile phone number. 

That evening, I received a call from Wells Fargo requesting to verify my identity. I answered several questions. When the caller attempted to verify me via a text message, the system wouldn't let her do it. She told me to go into a branch. This seems like a silly request. A few months ago, when I did a product change on my existing credit card, there was no need to walk into a branch. Wells Fargo should fix the system limitation that is preventing the bank from texting me, instead of inconveniencing me.

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have a debt on my credit from this company. I dont know what the debt is for or why they chose me to place it on my credit. I have been a victim of Identity theft. I sent the company I request to validate the debt and I have been ignored. However, the erroneous/fraudulent account remains on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INQUIRIES UNKNOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXXdentity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX  Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 2024-06-21 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: FL

Complaint narrative:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-06-21 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: KY

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: KY

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files.

Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding has not provided any form of signature or valid documentation that I signed for debt. You have continued to report an account that has already been removed by XXXX, XXXX and XXXX as it was proven to be incorrect. You are continuing to report an incorrect debt to XXXX with XXXX proof of validation. FCRA violations have continued despite the fact that you have been notified of incorrect debt. You have no legal right to hold a fraudulent debt to my account that has previously been removed by all other reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I get declined anytime i apply for a chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I have an own known account in my credit from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXXn my name before. I was not contacted about the debt from the creditor. I just happened to view my credit and saw it. I have reached to them via mail and have not received a response. I also filed a complaint with the XXXX  and the XXXX. In addition, I do have a police report on file with my local police department. I am requesting the fraudulent account/dats be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, For these past 3 years I have been having issues with my Ally Auto loan due to their app constantly not working and them forcing me to pay over the phone which charges a XXXX $ fee to do so. Everytime I try to login to my account it says that im blocked and need to contact customer service to retrieve my account but never get a hold on someone on the phone, instead they have a robot insist on making the payment on the phone with a 3rd party company named XXXX that charges XXXX $ to do it. It took me 30-45 minutes to make this payment when it should be FREE and take 5 minutes max. Also they make you write out your whole social security on the phone to verify identity and I feel like thats too invasive. When calling it goes silent and the phone call continues with no confirmation that they are closed or too busy. 

This has been a constant occurrence that has negatively affected my credit due to their systems not working. I also had auto pay on my account at one point and ithey disabled it without my consent and marked it as late and reported that to the credit bureau multiple times when I try calling and get no answers. Their workers dont help either, saying that I need to use the app that never works and is continuously having issues!! They have made at least 3 new apps as an attempt to fix the issue and it is still the same. Because of them my credit has been affected and I have no issues with any other of my loans I always pay them on time, even my second car loan that I have I never have issues with them. I have had this loan since 2019 and I want to report this behavior in a attempt to have my credit be disputed which they keep denying. 

I made a complaint with the consumer financial board bureau already, Ally Auto is sending negative reports to credit bureaus despite them making it near impossible to make a payment on my own behalf through the means they provided.

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 2024-06-21 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had filed multiple disputes with CHASE CARD SERVICES for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT.

Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE respond by sending me a letter stating that they verified that this account belongs to me- CHASE BANK own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.

However, Every single Time I dispute these Unauthorized, Fraudulent Charges, CHASE bank act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether CHASE CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want CHASE to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: WY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in XXXX XXXX. XXXX ( XXXX ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible XXXX Given the lack of recognition and the absence of verifiable information, I suspect this account XXXX be fraudulent.

Company response to consumer: Closed with explanation