vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: MS

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Can you look into this matter?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was unable to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
A citation from the state of Texas was sent to my fathers address while I was living in Tennessee on XX/XX/XXXX. 

I responded to the citation on XX/XX/XXXX with affidavit to both lawyer of Cavalry portfolio svcs and the court, asking for a full validation of date. 

They responded with bill of sale of a pool of charged off accounts, statements, and credit card agreement pricing information. 

They did not provide the full validation of debt to prove i am in fact the debtor, including the original contract with a wet signature of the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX my wallet was stolen, since then I have had XXXX  hard inquiries on my credit report, for various credit cards that I have not applied for, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XX/XX/year> I entered into a payment plan with Ally Credit Card due to my account being delinquent because the debt resolution program I was using was sued by the CFPB so I had no choice but to settle this myself. Ally Card agreed to only charge 6 % interest and I pay {$57.00} a month until the account is paid in full and they would close my account out also no late fees, no over the limit fees or no annual fees would be assessed and this was to get my account caught up and current however in making these monthly payments they only took one payment of {$57.00} off of the minimum payment of {$470.00} which came down to {$410.00} but ever since the one payment came off they have not been taking an subsequent payments off of that total which in turn is making my account show past due and they are reporting my account past due ever since I entered into this program and supposedly after 3 consecutive payments it was supposed to be reported to the credit bureaus as current but this has not happened mind you I have paid 6 consecutive payments which is over the 3 consecutive payments that I was told. I have contacted Ally card by mail and not getting any responses, so I have called them a few times and all I get is the run around. Ally Card needs start by fixing my minimum payment due which with 6 consecutive payments made should be current at this point and I am still getting collection letters from Ally Card even though I am in a payment plan program with them as well. I just want my account minimum payment amount to be corrected applying those payments to it and my account to reported current to the credit bureaus like how I was told when I entered into the repayment plan. Them sending me collection letters saying that I owe the minimum payment due is nonsense yes, I owe the balance and I am paying it monthly, and I know good and well all people in customer service should be able to see this. I just want them to make good on their word. I am doing my part the least they could do is what they promised. I am attaching 3 of my credit card statements so that you can see where the minimum payment due started and where it ended at also attached the email with the payment plan.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I paid {$120.00} per month for credit repair services. Before I joined the XXXX, during covid, I had a {$6.00} maintenance fee for a credit card bounce- which in my mind would cause a negative item to appear on my credit report even though it is small. A few months later I enlisted in the XXXX, and due to my recruiter not completely conveying accurate information regarding the pay schedule, I was unable to make a payment for my vehicle while also not being permitted any extra phone time to figure it out. I was in an area with unreliable cell service, and furthermore was not permitted to use the office phone. While at XXXX at basic training from a XXXX  injury awaiting XXXX, I utilized the services of the financial advisor. I know we called my bank, and got my car loan APR dropped to 6 % from 17 % utilizing the Servicemembers Civil Relief Act. I believe we also addressed the issue with not making a payment on time- and I believe the bank either did not report the negative item or retroactively altered the report. After I XXXX  XXXX and arrived at my duty station I began paying for credit repair services with Lexington Law XXXX. In my mind there was one, and potentially two negative items that should be on my report history. I did not check my credit report. I paid Lexington Law for a bit over a year. They advised me that there were XXXX negative items on my report and they were working to remove them. It took them over a year to remove 6 of them, which was when I had canceled my subscription because I only took home {$19000.00} dollars after taxes that year and I could not afford anything beyond the minimum, with mounting credit card debt, and vehicle repairs that cost me thousands of dollars. I then checked my credit report with the XXXX bureau 's and found that there were in fact XXXX negative items on any of my report histories. I downloaded Lexington 's " version '' of my report which lists negative items, while also printing my XXXX reports with no items. I paid them apx. {$2000.00}. Today I tried to log in to get my account information, but they have eliminated my email from their system and it does not recognize my email. It may not seem like much but I really need the money since I make very little and I live in one of the highest cost-of-living areas in the nation, outside XXXX. The XXXX Lawyer advised me to submit this report. I legally changed my name from my fathers given name to my mother 's family name and grandfather 's name. It previously was XXXX XXXX XXXX XXXX it is currently XXXX XXXX XXXX XXXX . My social security card has been updated, as well as my birth certificate and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I got a phone call from " XXXX XXXX '' supposedly from US Bank Fraud Services. His phone number was XXXX. He told me that my XXXX  from Pennsylvania tried to use my credit card information. I told him I do not have a XXXX  in Pennsylvania. He asked me to verify my last charges and when he said XXXX XXXX XXXX, I could not understand him. I logged on to my account and my password was changed. I told him that something was wrong and HE told me the new password was XXXX XXXX  XXXX I used the new password and was able to verify the last charge. I asked was he sending me a new card and he said NO, we are putting special tracers on this account so " we can put these people behind bars ''. I ended the call and called the US Bank and told them what happened. They blocked my online account and issued me a new credit card. The XXXX Banking tech support told me to contact them when the new card comes in so I can get it re-setup with new card information.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Can you look into this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Starting XX/XX/XXXX ... You need to withdraw US {$29000.00} and you need to provide 10 % deposit... then because it wasn't done all at one time I had to do it again ...... The fund review was successful. We are contacting the financial department to transfer the funds for you. Please wait ... .. To pass the bank 's big data system and transfer successfully, you need to deposit {$3000.00} for verification.Then The finance department replied that a 10 % handling fee is required to complete the transfer... You need to pay a handling fee of XXXX to make the transfer successful .... You need to pay US {$1500.00} in documentation fees and human resources fees before the bank leader will sign the transfer for you. The finance department replied that it took you too long to complete, which resulted in late payment fees on your transaction funds. The current late payment fee you need to pay is US {$1900.00} .... The government requires you to make up the {$2200.00} difference before allowing the bank to transfer you {$40000.00} ..... Sorry, we received a notice from the government department. Since your funds are frozen by the anti-money laundering department, a deposit of US {$5000.00} is required to complete the transfer. This is a requirement of the government department, otherwise your funds will be confiscated. This is a requirement of the government department, and we are also following the instructions of the government department. But what I can assure you is that after you complain, your funds will be permanently confiscated by the government department, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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