vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: CA

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 2024-10-22 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: CA

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 2024-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: IL

Complaint narrative:
My mortgage company is Valon Mortgage. My escrow became delinquent in XX/XX/XXXX and my mortgage company did not notify me until XXXX of XXXX. They want an additional {$360.00} to cover this shortage. I am a single mother who can't afford my mortgage payments to increase that much. I can barely afford what I pay now. I called 4 times and left messages with no return call. Finally I was able to speak to someone about my escrow issue on my 5th phone call. I wanted them to put my delinquent escrow amount of {$4000.00} to the end of my loan. They will not do that. They said I could spread my payments over the course of 24 to 36 months. I can't afford the extra amount. I request I would like a manager to call me back on XXXX, XXXX and to date no one has called me back. I could have made arrangements last year when my escrow account was delinquent {$200.00}. I have been working on this for 4 weeks now with no resolution. Not even a phone call. I am hoping by talking this step I can get some resolution with this problem. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Galaxy Capital Acquisitions, LLC
State: NM

Complaint narrative:
My original debtor sold my Account to GALAXY INTERNATIONAL PURCHASING , LLC with out a written consent to me. I Have never signed a contract having a debt or authorizing GALAXY INTERNATIONAL PURCHASING , LLC to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that GALAXY INTERNATIONAL PURCHASING , LLC cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. GALAXY INTERNATIONAL PURCHASING , LLC actions are infringing on my rights and must stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I applied for the Capital One Savor XXXX Card for excellent credit, which comes with a {$200.00} sign on bonus. I applied via pre-approval, and was approved. Once the card was sent to me, I noticed that there was no information about the sign-up bonus on the app, so on XX/XX/XXXX, I called Capital One customer service to make sure I was eligible. They assured me that the {$200.00} would be coming to me in a few billing statements. 

By XX/XX/XXXX, I still had seen no sign of the sign up bonus, so I called Capital One again. This time, the customer service representative said that there was no bonus coming to me, and couldn't give me a reason why. I asked to speak to a supervisor, who repeated the same thing, that I would not be receiving a bonus, and they couldn't tell me a reason why. They would say my account wasn't eligible for the bonus, I asked why, and they would say it wasn't in the terms of my account, I would ask why, and they would have no explanation. They offered to call me back within XXXX business days. 

On XX/XX/XXXX, they finally called me back and told me that even though I applied for the Savor XXXX for Excellent Credit, they only gave me the Savor XXXX for Good Credit. Nowhere in any of my documentation is this stated, and nowhere on my Capital One account does it say " Savor XXXX for Good Credit, '' it only says " Savor XXXX, '' the default name of the card for excellent credit. I tried to explain this to the person who called me back, and they dropped the call. I have not received a call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months ''. 

is ambiguous and is not clarified in the clause. 

I understand it as for opening a Wells Fargo Premier Checking account within the past 12 months, meaning 12 months period only is about the date of opening the account. - i.e. the 12 months restriction period starts on this date, and 12 months from that date one is eligible for the promotion again. 

I had contacted SIX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that 12 months from the date of opening the previous account one is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the six Wells Fargo bankers 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 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am a victim of unfair debt collection practices. The company Jefferson Capital Systems is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MD

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 non-monetary relief
Consumer complaint received 2024-10-22 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: NY

Complaint narrative:
Please review the fraudulent and suspicious items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Re : Inaccurate Reporting of Kickoff Account Equifax Report Number : XXXX Dear Equifax XXXX Department, I am writing to dispute the inaccurate reporting of the Kickoff account on my credit report. This account is being reported inaccurately, and I request its immediate correction or removal. Additionally, I requested a 1099-C form from the creditor, but it has not been provided.

Under the Fair Credit Reporting Act ( FCRA ) Section 623, ( 15 U.S.C. 1681s-2 ), creditors have a legal obligation to report accurate information. By continuing to report inaccurate information, the creditor is in violation of federal law. I request that you investigate this matter thoroughly and remove the incorrect information from my report. 

Furthermore, I would like to bring to your attention that this same account has recently been removed from my XXXX credit report. I request that Equifax follows suit and updates my credit file accordingly. 

Additionally, Equifax has stated that they never received a complaint from the Consumer Financial Protection Bureau ( CFPB ). However, I have reviewed my inbox on the CFPB platform, and it clearly states that the company is still investigating the situation. This means Equifax has provided false information regarding this matter. I expect Equifax to act in good faith and correct this discrepancy immediately. 

Please send me written confirmation of your investigation and the actions taken to resolve this issue. I appreciate your prompt attention and cooperation. 


This version includes the mention of the discrepancy with Equifaxs statement regarding the CFPB investigation. Be sure to attach any related documents from the CFPB and any communication showing the investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-22 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: HW Holding, Inc
State: NC

Complaint narrative:
There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: I.C. System, Inc.
State: NC

Complaint narrative:
There are several charge offs reporting and that's illegal to do because charge offs are considered cancelled debt abnd according to the IRS cancelled debt is considered income, and income can not be reporting in a consumer report. The document attached is evidence from IRS websiteindicating about cancelled debt and how its income and the XXXX consumer reporting agencies reporting the the charg offs stating the law USC 1681. i have never authorized the bureaus to report this and this is DEFAMATION. I can litigate the bureaus for they are reporting information that's not supposed to which will damage me financially and enotionally.

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 2024-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Peter Roberts & Associates, Inc.
State: CT

Complaint narrative:
Date of Correspondence : XX/XX/year> Sender : XXXX XXXX XXXX Recipient : Peter Roberts & Associates , Inc. ( Collection Agency ) Method of Sending : Certified Mail Details of the Matter : On XX/XX/year>, I sent a letter to Peter Roberts & Associates , Inc. requesting validation of my debts as per my rights under the Fair Debt Collection Practices Act. As of today, XX/XX/year>, I have yet to receive any response or validation regarding these debts. 

In addition, I have noticed that the collection agency has reported this debt to the credit agency, which has negatively impacted my credit score. 

I will attach a copy of the certified mail that i sent.

Company response to consumer: Closed with explanation