vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX I called My Money Network to engage in a transfer of funds from my account with that bank to my XXXX XXXX account. I had set up the Money Network account in XXXX when my son was born ( funds from NJ Family Leave Insurance are sent there ). When my daughter was born this year, additional funds were placed in the Money Network account by the state of NJ. During the phone call when I initiated the transfer, the auto-prompt asked me if I wanted to transfer funds to the existing account on fi le. I presumed this was my TD bank account. After weeks and the funds did not arrive, I logged into my online account and found that another person had been allowed to place their name and account information in my Money Network account, and my funds were instead transferred to this person. The account was a XXXX XXXX account ( i have the account number and routing number on fi le if needed ) and the routing number was from Arizona. The person 's name was XXXX XXXX. I searched this name on XXXX and found the following account but have not tried contacting this person. https : XXXX The account is from the Arizona area XXXX matching the routing number I have on fi le for this person. I contacted Money Network immediately and was instructed to fi le a dispute. The initial dispute was rejected, and when I called to ask why, I was told it was because the paperwork was filled out incorrectly. I fi led a second dispute, and before I received paperwork to add the full details of the case, I received another notice that the dispute was rejected. I called again and was informed that I could fi le an appeal to the dispute. I fi led an appeal via email with no response. I sent five additional emails between the initial appeal, and about mid-XXXX. There was no response. I called Money Network again and was informed that no review had taken place and that the appeal was outside of a XXXX review window so I needed to fi le another dispute. This dispute was again promptly rejected by Money Network. I emailed them again asking why this is happening and have not had a response. Clearly this institution does not care that a person not associated with my account was able to access my account, place their information there, and receive {$1600.00} of my personal funds. I am reaching out to you now in the hopes that at least some form of investigation occurs so this does not happen to another unwitting customer of Money Network. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo bank put a hold on my account without notice. I transferred all of our funds for purchasing a house to my checking account without knowing that there is a hold on my account. Now, I'm under contract for a house without knowing when I can withdraw my funds for escrow or close my account. This situation is very very stressful for me right now and I can not do anything at the moment, even getting a cashier 's check or using XXXX. I only have 11 days to closing date of our house and Wells Fargo does not provide a clear instruction or timeline on what to do.

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 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding, LLC is listed on my credit reports. I initially sent a letter requesting debt verification from LVNV Funding, LLC, but instead received a response from Resurgent Capital Services, which claims to represent LVNV. I found this response invalid. I then sent a second letter to both LVNV Funding, LLC and Resurgent Capital Services, reiterating my request for validation of the debt. Subsequently, I received a third letter from XXXX XXXX XXXX, stating they also represent LVNV Funding, LLC.

In my fifth request, I reached out to all three parties again, asking for contractual agreements. However, Resurgent Capital Services simply repeated their earlier response, insisting that I should only address them, despite the collections being attributed to LVNV Funding. 

To date, neither LVNV Funding LLC, Resurgent Capital Services LLC, nor XXXX XXXX XXXX has provided any contractual agreements between us. I have repeatedly contacted XXXX and XXXX about this issue and have disputed the listings multiple times, yet LVNV Funding LLC remains on my credit reports. XXXX, however, has since removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
In

Accordance with the Fair Credit Reporting Act Cover gent Account number unknown, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S code 6802 A financial institution may not directly nor Through a third-party affiliate Disclosed to a non-affiliate Or third-party any personal informa
tion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX Experian for Failing to Block Fraudulent Items and Violating FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically in relation to my rights as a victim of identity theft. Despite multiple attempts to resolve this matter and providing all necessary documentation, Experian has not blocked the fraudulent accounts from my credit report as required by law. 

On XX/XX/year>, I became aware that my identity had been stolen, and fraudulent accounts were opened in my name. I immediately took the appropriate steps to notify Experian of this identity theft and submitted the following documents : XXXX. XXXX FTC XXXX Theft Report** to officially document the fraud. 
XXXX. **A detailed dispute letter** explaining that I did not authorize or open the accounts in question. 
XXXX. **Proof of my identification**, including a copy of my government-issued ID. 
XXXX. **Proof of my address**, such as a recent utility bill. 

In accordance with XXXX XXXX XXXX ( XXXX U.S.C. XXXX ) **, I am entitled to have the fraudulent information resulting from identity theft blocked within XXXX business days of providing proof. Despite sending all required documentation and fulfilling my legal obligations, Experian has failed to block these fraudulent accounts. Instead, they continue to stall and delay, repeatedly requesting the same information that I have already submitted multiple times. 

It has been well beyond the timeframe allowed under the law, and this negligence is severely impacting my credit and financial standing. XXXX refusal to act promptly and correctly is a clear violation of my rights under the FCRA. 

At this point, I am seeking to take legal action against Experian for {$800.00} in damages due to their failure to comply with the FCRA. Their failure to investigate properly and block the fraudulent items is not only unlawful but has caused me undue stress and financial harm. 

I request the CFPBs assistance in holding Experian accountable for their noncompliance and ensuring that the fraudulent accounts are removed from my credit report immediately. Additionally, I would like support in pursuing legal remedies for the damages incurred. 

Thank you for your time and assistance in this serious matter. I look forward to a swift resolution. 

Sincerely, 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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the late payments on my credit report under federal law. They had 30 days to complete the investigation and by failing to do so the item must be deleted from the report 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
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the late payments on my credit report under federal law. They had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 2024-10-03 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: PA

Complaint narrative:
Today I noticed that there are unauthorized inquiries on my credit report, and I dont understand why theyre there. My credit report usually looks fine, but this time its showing errors that werent there before. Refreshing the browser didnt help, and I am really frustrated. Please review the documents Ive sent thoroughly so this problem can be resolved for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX XXXX- number XXXX payment late year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We had safety box in Chase Bank, XXXX, XXXX XXXX, CA. We closed the box, handed the keys to bank employee in XX/XX/year>. But we are still being charged for box rental {$70.00} per year. So far they deducted for XXXX  years and going to deduct for another year in XXXX. I reached XXXX customer support, XXXX local branch and also had online meeting with XXXX XXXX branch employee. Finally they are saying they couldnt find the returned keys or the sign card and so in the system it is still open. They are asking me to come to XXXX XXXX branch and schedule a drill and close the account. I already told them I already took all the items and Ive no issue if they drill by themselves without me being present as XXXX in Texas and cant travel to California XXXX XXXX as it cost lot of money. They suggested to give authorization to someone in XXXX XXXX so that they can schedule drill of safety box but I dont have anyone who can visit bank. Could you please help to refund my {$140.00} and so ask them to stop charging again. Please ask them to close the account. 

Box number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-03 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By Checking my credit report i noticed 9 inquiries that i dont recognise. 
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 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