vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still accounts that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
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 2024-11-04 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: CA

Complaint narrative:
I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still accounts that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

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 Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late XXXX  XXXX Personal Information Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an account with Comenity Capital Bank ( Merchant : XXXX XXXX  XXXX that I settled in full based on a settlement offer. The company offered me a reduced payoff amount, which I paid on XX/XX/year> of {$580.00}, and they confirmed that this payment would resolve the balance. XXXX XXXX XXXX was the address that emailed me of confirmation of paying off the debt. 

I understood that, in settling the account, this would conclude my obligations and that the record of this debt could be removed from my credit report. Despite this, the account still appears on my XXXX credit report, showing inaccurate and negative information that is affecting my credit score. I have tried resolving this directly with both XXXX and Comenity Capital Bank but the issue remains unresolved. My receipt number of the transaction is # XXXX. 

I am requesting that this account be removed entirely from my credit report, as the debt has been fully resolved per the settlement agreement. I appreciate any assistance the CFPB can provide to ensure the credit report accurately reflects that this debt has been settled and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: DreamSpring
State: NY

Complaint narrative:
I recently encountered issues with a loan program advertised by DreamSpring, hosted by XXXX XXXX, which claimed not to have a minimum credit score requirement as they are supposedly a CDFI lender. Although I was skeptical but I had faith as I have a fair and solid credit score, so I proceeded with the application. They required a {$25.00} fee for a background check, which I paid using a secured credit card. After not hearing back for three days despite reaching out, I disputed the charge. 

Once the loan officer saw the dispute, he contacted me, asking for additional documentation like bank statements and further ID, assuming the dispute might be reversed. After three days, however, he rejected my application, citing reasons that included customer withdrew their application, debt-to-income ratio is ineligible, and unable to reach the customer. These reasons were paraphrased as he failed to provide specific, clear information. When I asked for an adverse action letter explaining the rejection, he could not provide proper details. 

I am concerned that this agency may be engaging in predatory lending practices and would appreciate if a higher department could investigate their practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on My Credit Report I am writing to dispute three inquiries on my credit report that I believe to be unauthorized and, therefore, incorrect. Under the Fair Credit Reporting Act ( FCRA ), I have the right to verify the information contained in my credit report, and I am requesting the removal of these inquiries if it can not be proven that they were conducted with my explicit consent. 

Details of the Disputed Inquiries : Requesting Entity : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Requesting Entity : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Requesting Entity : XXXX Name of the entity Date of Inquiry : XX/XX/XXXX I request that you provide documentation verifying that I authorized these entities to make such inquiries into my credit report. If you can not supply evidence of my consent, I am demanding the immediate removal of these inquiries from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of the investigations progress. 

Sincerely,

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 2024-11-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items 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 these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 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 XXXXXXXX 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 2024-11-04 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 2024-11-04 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary.

Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated.

Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items 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 these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 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 and 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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 f

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXXXX/XX/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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 f

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 2024-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX 2023, I was reached by individuals, acting on the behalf of and/or through the Internet-platform XXXX. he individuals contacted me, explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills on my side, these persons persuaded me that they are completely legitimate, which influenced also my decision to invest substantial amounts on their platform. At a later stage, my research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their site. Deceiving me and promising substantial and rapid return of my investment, the unlicensed financial broker demanded from me to initiate series of payments within short period of time. I was deceived that these payments are for funding my segregated financial investment account, but no part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their clients. Therefore, we assume that all payments were laundered by the Merchant and I was put in deceit that I can really place trades and participate on regulated financial markets. For a certain period of time after an imaginary investment account, I had access to my account with XXXX. After a while, my personal profile was closed without my consent, and all my attempts to get my funds back into my " investment '' account were unsuccessful. As a result of the interaction with the aggressive Merchant, I lost XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) paid in multiple transactions. The payments were initiated through my account with WELLS FARGO BANK. WELLS FARGO never warned me about potential risks associated with those payments. I have tried to resolve the issue with WELLS FARGO. On XXXX, a Letter of Demand claiming compensation was sent to the bank. As of today, the bank has not offered a compensation for the losses I have suffered.

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