vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2 out of 3 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 non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last XXXX digits SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear LVNV Funding LLC c/o Resurgent Capital Services XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: OH

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 XXXX  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 2 out of 3 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a new Wells fargo credit cart I initiated a balance transfer during sign up ( XX/XX/24 ) for {$3000.00} from my XXXX XXXX  XXXX I also initiated a transfer for {$1000.00} after i received my Credit card Transer for XXXX dollard was posted an correct However, XXXX dollar was sent to completely random account, not mine, and they are not providing account number the sent to

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 2024-10-09 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: ME

Complaint narrative:
15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than 4 business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM **** This is so unlawful.

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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received correspondences from Portfolio Recovery Associates , LLC. One dated XX/XX/year> for {$400.00} ( Account Number XXXX ) and the other dated XX/XX/year> for {$940.00} ( Account Number XXXX ) On XX/XX/year>, I sent a letter requesting that Porfolio Recovery Associates, LLC ( hereinafter " PRA '' ) validate the debt that they are attempting to collect in multiple correspondence sent to me via mail. I requested information regarding the alleged debt, how it was obtained, proof of ownership as well as how it was obtained. 

On XX/XX/year>, I submitted a complaint with the Better Business Bureau ( " hereinafter BBB '' ) stating that PRA did not provide the requested information as required by consumer laws and therefore the collections should be completely deleted from my report. 

PRA responded through BBB and said they would investigate and follow up. 
I then received a letter from PRA dated XX/XX/year> asking for account information regarding the debt. 

I then sent a notices to BBB and stated that PRA 's failure to validate the debt they are attempting to collect on is in direct violation of Fair Debt Collection Practices Act and therefore these accounts must be permanently deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My Paypal account that was hooked up to my debit cards were used to make purchases that I did not authorize and had made Paypal aware of this, and they were supposed to close my PayPal account and refund me for the charges made on the card, but instead I got a letter from a debt collector, saying that I owe the balance, even though PayPal was made aware that this was fraud and that I had filed a police report and identity theft report due to my account being accessed by someone other than me to make these purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I just recently reviewed my credit report that this item was turned to a charge off and I never received a 1099 and I was wondering could you please send a 1099 for the item that is reporting as a charge off on my report due to a financial hardship. I remember having a hard time paying due to a family medical emergency that devistaed my finances for most of the year.

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 2024-10-09 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: NJ

Complaint narrative:
I noticed an unauthorized account under my name, which seems to be fraudulent. I didn't gain anything from the transactions made in this account. I'd like the account to be shut down right away.

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 2024-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I entered into this traction in good faith with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result I was tricked and coerced into fraudulent agreement. Identity Theft, Securities Fraud , Insurance Fraud and Auto Dealer Fraud was committed, the power attorney forms do not have 2 witnesses on the forms, my signatures were forged or changed, and their third party company, involved, XXXX XXXX XXXX and Honda Financial Trust did not consent to in this transaction. They were presented with a 1099C and a 1099A of which I received a call from American Honda Financial Services questioning about my intentions and then they illegally possessed the car and there were 2 illegal trackers on the car. This was a Consumer transaction and all fees were included in signing of this transaction. 
From XX/XX/year> and XX/XX/year> I spoke with XXXX XXXX who was the broker from XXXX XXXX XXXX XXXX and I was told to present XXXX XXXXXXXX to XXXX XXXX to finance a XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX. I wasn't given the proper signed paperwork. None of the paperwork included a signature from the dealership or a proper description of the vehicle. The paperwork was requested multiple times and the dealership used Unfair Practices and reported to my credit report 15 U.S Code 1692F a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The purchase price is lower than the price on the contract, the features for the car were not as documented. I will mail in the copy of the contract, since it includes my personal information. Please see attached my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed an unauthorized account under my name, which seems to be fraudulent. I didn't gain anything from the transactions made in this account. I'd like the account to be shut down right away.

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received a notification at XXXX that my account was overdrawn by XXXX. Per Chase policy I have until midnight to bring the balance under XXXX dollars to avoid the XXXX overdraft fee. 

At XXXXXXXX XXXX I deposited XXXX into my chase account bringing it to a positive balance of XXXX. My account was in the positive past midnight. After XXXX  on XX/XX/year> more charges processed. Which placed my account in the negative. 

However what chase did was they went back as they always do with their predatory practices. They backdated charges that were not on my account or included in the total from XXXX. It totally reworks the balance and they made it seem as if I had been in the negative for the past 2 days and they hit me with XXXX different XXXX XXXX fees. I have proof that after midnight my account was not in the negative as I made another purchase in the amount of XXXX and the negative indicator did not come to my phone as it does any time it goes into negative. 

Outside of that another transaction processed at XXXX XXXX for XXXX. Which at that time my account would have been in the negative on XXXX for XXXX. But as I stated they do a reallocation of charges and the system ensures that they can charge you the maximum number of fees for revenue. When in fact per their written policy I should have had until XXXX on XXXX to bring my balance current. 

I have screenshots and proof of my online banking

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXXXXXX XXXX XXXX  where I employ a lot of single parents. We take care of people with multiple XXXX. Our main diagnoses are XXXX or XXXX XXXX XXXX. Long story short. I had a person call me to be a Chase Fraud prevention associate. This was so surreal. They actually called me from Chase fraud prevention phone number. I actually called Chase 's customer service number at XXXX, they verified this was Chase Fraud Protection. Therefore, I followed their instructions to " CANCEL OUT '' the fraud. These guys were able to send me a text message on Chase.com for me to verify who I was. They were able to tell me what I had in my account and my last XXXX digits of my account number. The next day when my business account was wiped out. I called the Chase fraud department on the same number I spoke to the night before. Their questioning was identical to the day prior. I even told them the questions were just like yesterday. They asked the same exact questions the guys did the day before. I even asked fraud prevention if this was real. We filed claims, however I never heard back from Chase. I kept checking my account information hoping to see a credit. I never did. Chase stated this has been going on since XXXX of XXXX. They stated these crooks have software they download in order to show a specific number even though they are calling from another number. I asked them how regular people are supposed to know this? They stated they have a fraud prevention website. I researched this website and nothing like this is in there. I checked fraud prevention pamphlets in Chase bank, nothing like this is posted. Fraud prevention stated they would never call anyone. I told this was not true. I have been with Chase for over XXXX  years, and I have phone calls from Chase fraud prevention. I also asked them to explain how I got the text message. The branch manager stated someone just pretends to be you and they have them on another line. However, Chase never sent me any documentation of closing my claim. however, when I called fraud protection, they said your claim is close to bad you just got scammed? We don't protect you from scams. I told them I did not fall for a friend or get rich quickly. However, I have been with you guys for over 20 years, and I trusted you. I told them you failed me and the people I serve in my business. I honestly thought it was you. Why aren't you protecting people like me? You could inform us It is XXXX this has been going on since XXXX? I take care of people. Not money? I don't fraud people therefore I do not know if my bank is not informing me of what's going on. Regular business owners need to know this. I contacted the FDIC they said they referred this report to CFPB. They stated that Chase has insurance on this money and I should have been reimbursed. please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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