vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am filing a complaint regarding an account reported by Sun Loan Company on my credit report, which I have no knowledge of and have never received any communication about. The account is listed as a " paid charge-off, '' yet I never received a 1099 form for this account, which raises concerns about potential tax violations, and will be reported to the IRS on Form 3949A. Additionally, the account on my credit report does not display an account number, which is another violation of the Fair Credit Reporting Act ( FCRA ), as creditors are required to report complete and accurate information under 15 U.S.C. 1681b. Given that this account is not verified, and I have not been provided any documentation to substantiate its existence, I am requesting its immediate removal from my credit report. I am aware of my rights under the FCRA, which entitle me to damages of up to {$1000.00} per violation. Please investigate this matter and remove this account within 30 days. Failure to address this issue will result in further action to protect my rights. I am aware of my rights under the FCRA, which entitle me to damages up to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the Principal ( XXXX XXXX XXXX for the purchase of a XXXX  XXXX XXXX XXXX XXXX  and provided a copy of my durable power of attorney and a letter of Tender as attachment with application giving clear instruction to leverage the application and tender as collateral and interest owed to Principal to satisfy and settle any debt and obligation to preform. 
As acting agent/attorney in fact it is my duty to protect the principals interest in all consumer credit transactions and XXXX XXXX XXXX XXXX XXXX XXXX and/or Chrysler Capital aren't allowing me to do so. A hard pull in credit report indicates a transaction from witch the Principal has not benefited. Also having given value to the application by signature and submitting to XXXX XXXX XXXX XXXX XXXX XXXXChrysler Capital this constitutes valuable consideration as recognized by the Federal Reserve , and have not received and value consideration from XXXX XXXX XXXX XXXX XXXX XXXXChrysler Capital in exchange . 
Instead I was told that the principal had no credit. Not a low score but no credit existed. This is not the case or the account wouldn't exist. Creditworthiness is determined by the prepayment of the extention of credit as described in the Tender provided and not solely in the credit score. Instead told me sorry I was out of luck. That I had to deal with the banks.

I was in compliance with all applicable law governing consumer credit transactions. Breach of Fiduciary Duty or Breach of Contract, with willful intent to commit are serious violations and carry serious fines and potential imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : 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
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Beginning back in XX/XX/XXXX, I began to make my first complaints about fees that were occurring as far as membership and merchant subscriptions that were cancelled. I supported documentation such as emails of subscription confirmation. I was also enrolled in an account that was offered as a free checking account after a {$25.00} initial fee of open enrollment. Yet membership fees began without notice or warning but would be credited back upon my complaint. This bank institution has performed a number of negligent and unlawful acts after a XXXX year period. ( From current year XX/XX/XXXX and back previous years ). They threatened to close my account after they stopped direct deposits from being deposited from government funding and then placed me in overdraft. The acts performed are never ending.

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 monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: WI

Complaint narrative:
NOTICE OF CLAIM TO INTEREST 1ST ATTEMPT XXXX XXXX, XXXXXXXX/agent here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX  ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
Between XXXX and XX/XX/XXXX, unauthorized transactions totaling {$760.00} were processed through my Chime account without my consent. The specific transactions are as follows : XX/XX/XXXX : XXXX : {$21.00} XXXX  : {$12.00} XX/XX/XXXX : XXXX  : {$38.00} XXXX  : {$33.00} Various Dates in XXXX and XX/XX/XXXX : XXXX XXXX Transfers : Totaling {$110.00} XXXX and XX/XX/XXXX : XXXX : Multiple transactions totaling {$150.00} XX/XX/XXXX : XXXX XXXX : {$200.00} Actions Taken : XXXX. XXXXXXXX XXXX XXXX XXXX : Upon reviewing my account statements in early XX/XX/XXXX, I identified these unauthorized transactions. 
I promptly contacted Chimes customer service to report the fraudulent activities and initiated formal disputes for each unauthorized transaction. 
2. Evidence Submission : To support my disputes, I provided Chime with comprehensive evidence, including : A police report filed with the local authorities ( Case ID : [ Insert Police Report Case ID ] ). 
Medical records indicating my hospitalization during the period when the unauthorized transactions occurred, rendering me unable to monitor my account. 
Screenshots of the unauthorized transactions from my account statements. 
Correspondence logs detailing my communications with Chime representatives. 
3. Chimes Response : Despite the substantial evidence provided, Chime denied the disputes, citing the closure of my account as the primary reason. 
Its important to note that the disputes were filed prior to the account closure, which was a protective measure taken after discovering the fraudulent activities. 
4. Further Attempts to Resolve : I escalated the matter by contacting Chimes executive team, including the Chief Experience Officer and the CEO, seeking a thorough review and resolution of my case. 
Despite these efforts, I have not received a satisfactory resolution or reimbursement for the unauthorized transactions. 

Current Status : As of XX/XX/XXXX, the unauthorized transactions totaling {$760.00} remain unresolved, and I have not been reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX Balance {$33000.00}

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 2025-01-07 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my consumer report dispute with Equifax. I have made several attempts to correct an inaccurate address that is reported on my Equifax credit report. Despite submitting multiple forms of identification and evidence proving my current, accurate address, Equifax has failed to correct the information, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) .Equifaxs recent correspondence has requested that I provide documentation showing my full Social Security number and a utility bill with my current address in order to verify my identity. As a consumer, I deeply care about my privacy and do not feel comfortable sending sensitive documentation such as my full Social Security number, especially in the context of a dispute regarding inaccurate information. This request is unnecessary and excessive, given that I have already provided sufficient documentation to verify my identity and address.To illustrate, I have already sent the following documents to Equifax, which clearly demonstrate my accurate address : 1. A state-issued identification card ( ID ), which is an official and highly reliable form of identification issued by my state. It includes my full name, photo, date of birth, and current address. This is a widely accepted and legitimate form of identification that fully verifies my identity and current residence. 


2. A recent bank statement, which also clearly shows my current, accurate address.

Both of these documents were notarized, further ensuring their authenticity and my identity. I have already sent these notarized letters to Equifax multiple times, but despite this, Equifax has continued to report both my correct address and the inaccurate address as current. 
In contrast, after submitting the same documentation to the XXXX other major consumer reporting agencies ( XXXX and XXXX ), both agencies deleted the inaccurate address from my credit reports, confirming the validity of my dispute and the accuracy of my current address. This further underscores that the documentation I provided is sufficient for identity verification and address correction.I respectfully request that the CFPB investigate this matter, as I believe Equifaxs actions violate the FCRA, particularly the provision that requires consumer reporting agencies to correct or delete inaccurate information from credit reports after a reasonable dispute. I have provided clear proof of my identity and address, yet Equifax has failed to act in accordance with the law by continuing to report incorrect information. 

I am attaching documents such as my state issued ID, current bank statement, my complaints against XXXX  and XXXX  regarding the innaccurate address and before XXXX and XXXX deleted the innaccurate address to after they deleted it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My loans were forgiven under the public service loan forgiveness program in XXXX of 2024. To date, XXXX has refused to update my balance and status with the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My loans were forgiven under the public service loan forgiveness program in XXXX of 2024. To date, XXXX has refused to update my balance and status with the credit reporting agencies.

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 2025-01-07 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: AL

Complaint narrative:
The following companies are in clear violation of 15 USC 1681b permissible purpose of consumer reports. The law clearly states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with written instructions of the consumer to whom it relates. I DID NOT give written permission to furnish this on my credit report and they can not provide my written instructions. Furthermore, FCRA 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states Exclusions except provided in paragraph ( 2 ), the term consumer report DOES NOT INCLUDE ( 1 ) report containing information solely as to transactions or experiences between the consumer and the persons making the report.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Progrexion Holdings, Inc.
State: AR

Complaint narrative:
I sign up with credit repair and was paying them month, i didnt know it was a scam until it was told to me i was trying to see if i received a check Ive moved so Im not sure if the check was mailed to my old address but if so i would need the check to be mailed to my current address.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
NOTICE OF CLAIM TO INTEREST XXXX ATTEMPT XXXX XXXX, XXXX/agent here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
NOTICE OF CLAIM TO INTEREST 1ST ATTEMPT XXXX XXXXXXXX XXXX here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX  ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within 5 business days. If no communication is made within 5 business days after receipt of notice then I can assume that the aforesaid instruction have been completed.

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 2025-01-07 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: VA

Complaint narrative:
I disagree w/ the reporting of account listed below which persists on my credit report despite your previous investigation. I request an immedicate reinvestigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ) Title VI Section 611 Subsection 1-D please proivde me with the names and business addresses of each individual whom you verified and validated the above information with so that i may follow up accordingly. Additionally please send me a updated copy of my credit report after completing your investigation. 

Account name:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent capital services, LVNV Funding LLC and XXXX XXXX XXXX  are claiming I owe a debt of {$660.00} LVNV Funding LLC claims that the account Holder Name is : XXXX XXXX XXXX this is not me nor am I the person they addressed the bill to : XXXX XXXX I have included an Affidavit as evidence that this is not my alleged debt.

LVNV has not provided me with a purchase agreement Violation under the FDCPA 15 U.S.C 1692a ( 2 ) states that communication means : The conveying of information regarding a Debt directly or indirectly through " Any '' medium I have spoken with this debt collector on the phone and they said it was not suffice to dispute over the phone and they have made this misleading statement that I needed to send a dispute in writing as well as fill out a identity fraud forms. 
Therefore LVNV Funding LLC is breaking the FDCPA I have asked for an original signed by both parties contract and they have not provided that I have asked for an itemized bill and they have failed to produce one i have asked them to provide their booking keeping entries per G.A.A.P ( 15 USC 44 ) ( documentary evidence ) none of which I have ever received I requested a copy of the 1099C This is Fraud and I have the right to report LVNV to the IRS and sue for statutory damages.

This dispute will be used as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XXXX  XXXX sends regular offers through the mail for a new credit card. These offers are facilitated by Bank of America. I have contacted both companies in in an effort to stop these offers through the mail, and both companies have told me there's nothing they can do. I have opted out of all credit card offers through the opt out pre screen. Yet these offers from XXXX  and BofA have never stopped.

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 2025-01-07 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: Kovo
State: IL

Complaint narrative:
Once I noticed that my credit profile had a security breach I immediately contacted the authorities as well as filed an FTC report. I alerted all of the Bureaus and accounts. I recently received that one of the accounts did not want to comply so I decided to escalate the assistance with my rights as a consumer.

Company response to consumer: Closed with explanation