vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Agency did not provide the signed contract from XXXX XXXX, the purchase agreement of the alleged debt, and or the chain of ownership of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * Experian has reported the account as charged off. 
* XXXX has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between Experian and XXXX regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from Experian and XXXX highlighting the discrepancies in the reporting of the XXXX XXXX account.

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 2024-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian, XXXX XXXX XXXX ( Experian ) Failed to generate a report that is valid via FCRA & FDCPA

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 2024-07-05 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: MI

Complaint narrative:
I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * XXXX has reported the account as charged off. 
* XXXX has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between XXXX and XXXX regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from XXXX and XXXX highlighting the discrepancies in the reporting of the XXXX XXXX account.

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 2024-07-05 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: MI

Complaint narrative:
I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * XXXX has reported the account as charged off. 
* Equifax has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between XXXX and Equifax regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from XXXX and Equifax highlighting the discrepancies in the reporting of the XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Us bank credit card is reporting a balance usage of 99 % on the card since XX/XX/year>. Card was paid in full and has had a XXXX balance since XXXX. Tried dispute through XXXX and the bank says the information is correct

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 2024-07-05 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: FL

Complaint narrative:
I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? The account was paid in a settlement and therefore removed from my credit report. The account was sold to a collection agency without my knowledge. The account was settled with the collection agency. It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete this account from my credit report immediately. I would like to resolve this and I will consult with an attorney to pursue legal action.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-05 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: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient REFUSES to remove negative loans in bad score when had Disability Discharge. 10 loans are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed all my accounts with Capital One on XX/XX/year>. After I closed the accounts, my checking account was at a XXXX balance and I made one last payment on my credit card, which reflected the balance in full. I received notice from the bank that my accounts were paid and closed. However, several months later, I received notice from one of the credit agencies that both my Capital One checking account and credit card account were reopened, are showing balances, and are delinquent. Apparently, after I paid my credit account statement in full, Capital One charged me {$25.00} in interest and continued to charge me interest and lates fees month after month because of my " unpaid '' balance. In addition, for my checking account, they apparently reopened my account and allowed a {$39.00} withdrawal, that I disputed as a fraudulent charge and that they gave me credit for months before I closed the account. So not only is my credit card account showing a balance of {$93.00} based on a {$25.00} interest charge that I was unaware of, but my checking account is now showing a negative balance of {$39.00} which was charged off. They are reporting to the credit agency that the accounts are delinquent and that the accounts were closed my them, which I assume is because they reopened the accounts after I closed them and then closed them again. My checking account is showing as " restricted ''. I closed both accounts in XX/XX/year> and both accounts were in good standing at that time. Further, after I closed my accounts, I moved out of state and changed my phone number. I never received any notice from Capital One that they reopened my accounts. After I received notice from the credit agency that my accounts were delinquent, I called Capital One and asked them to waive all the fees and they refused to. This is abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
In XXXX, my father passed from XXXX, so half of his property went to my mother and other half went to myself and husband & my brother. We live in Kentucky. In XXXX, apparently Asset Acceptance attached a lien to property, but in XXXX, we signed our parts of this property over to our mother. That's in XXXX. Nothing was said or mentioned about the lien and I was allowed to sign it into her name. Then a year or two later, when my mother decided to sell property, Asset Acceptance decided they were going to sue over my debt, my mother 's name wasn't in the debt, this debt act, I think was through XXXXXXXX XXXX over revolving credit card where I borrowed to get a XXXXXXXX XXXXr through XXXX. That debt was around {$5900.00} I think. Anyway they told realtor that over {$9000.00} almost {$10000.00} had to be paid before property could be sold so my mother had to pay that amount to sell her property. We both had financial difficulties at the time and we were planning on paying for some things we needed to get to survive and play catch up. This company, Asset Acceptance has an attorney from XXXX, Just named XXXX XXXX XXXX and I called the phone number on paperwork they showed to claim the debt and ask for exact payoff so I could at least make sure they weren't overcharging on the debt or adding too much interest but they refused to give me an exact payoff because they already had let yhe appraiser know and I felt like they were wrong with how the whole situation was handled and my business was made knowledge to my mother and the appraiser and I wasn't even allowed to check to see if I was scammed because it was very nerve wrecking and already having issues with my finances and now they were allowed to just take without having been XXXX percent sure about everything and at a time in my life where I was having issues already dealing with my dad 's death. I would like someone to just look at the case and my original creditor to see if they were within the law when they collected the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Original Complaint. 

XXXX wires were sent totaling {$900000.00} for real estate XXXX and XXXX sent XXXX wires for {$900.00} to XXXX XXXX XXXX XXXX Wells Fargo received those in XXXX XXXX XXXX XXXX All wires were recalled. Initially, Wells Fargo said it was a large error on their part but since change from that recorded call to its XXXX and XXXX error and they carry lose accounts to cover these situations. We asked all three to self-report. XXXX and Wells Fargo said no on recorded lines. XXXX said report to cfpb and provide report number. Then they would self-report. A police report was filed, and Civil lawsuit. in XXXX XXXX Texas. The same individuals have many civil lawsuits. They have XXXX bankruptcies that have been reported as fraud. The XXXX DOJ is monitoring those bankruptcies but will not confirm or deny they have an open investigation. XXXX XXXX  issued a fraudulent XXXX XXXX loan to counter a second LOC in default. Unjustly putting themselves at the front of the line. They did a conforming loan without support. So much so they allowed a second lienholder to step in and take over the asset. They know they have a loan officer who committed fraud to save his year-end performance bonus. We asked them to self-report. Head of compliance was served, and they went silent. a lot of layers of fraud. XXXX. XXXX, Securities, Tax evasions. The great thing for investors is you have banks who committed XXXX and loan fraud. XXXX XXXX XXXX. His brother XXXX XXXX and daughter XXXX XXXX have trust fund with stolen investor 's money. XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX has XXXX children. He claimed XXXX exemptions in XXXX. Tax fraud. These individuals have both stated that they carry a XXXX at all times and should be considered armed and dangerous.

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 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is saying that I filed 40 disputes when they have no evidence of it. I did not file all these. I have 4 maybe 5 maximum that I filed. The last dispute I filed was by phone and the guy clearly did not know what he is doing and must have filed it against all the recent transactions on my account.

I talked to 4 or 5 people now. The branch I went to was very helpful but they were clearly unable to help as this was a decision made by Chases credit card side.

I asked the supervisor on the phone for evidence that I requested for these disputes to be filed. By this I meant I want him to check the call recording and acknowledge that the chase employee filed all the other disputes without my authorization or permission. I only authorized one dispute against one transaction.

They were unable to provide the evidence or acknowledge that they messed up. If they can provide call recordings or clear app logs that prove that I requested all the disputes ( which they make it clear that every call is recorded ), I will be happy to let chase win this case and accept the loss of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX XXXXXXXX and lvnv llc still reporing on bothn XXXX stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
I checked my credit report this XXXX  but there are some accounts reporting as inaccurate. I have no idea why those accounts are inaccurately reported but I do know that I want it removed 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 non-monetary relief