vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
To : XXXX XXXX XXXX XXXX : Request for Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$3000.00} from JPMCB/ listed XXXX my XXXX report, and following a thorough investigation, XXXX has completely XXXX this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX U.S.C. XXXX ), which allows consumers to seek legal recourse for willful non-compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
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 non-monetary relief
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$3000.00} from XXXX/ listed XXXX my XXXX report, and following a thorough investigation, XXXX has completely XXXX this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
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 2024-12-11 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: MT

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX HM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Seeing inaccurate accounts on my credit report this morning has left me completely confused and scared. Ive always trusted my regular checks to ensure everything is right, but now I dont know whats going on. I refreshed my browser again and again, hoping it would fix itself, but nothing changed. Im desperateplease look closely at the documents I provided so I can finally stop worrying.

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 2024-12-10 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/year>, I made a {$1000.00} prepayment for a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) using my Apple Card. XXXX later canceled the order on XX/XX/year>, after informing me that my temporary driver 's license without a photo did not meet their identity verification requirements. This critical requirement was not disclosed prior to making the prepayment. 

XXXX 's failure to disclose the necessity of a drivers license with a photo ID constitutes a violation of the Truth in Lending Act ( XXXX ), which mandates the upfront disclosure of all material terms. If XXXX had informed me of this requirement, I would not have proceeded with the transaction, knowing my identification was insufficient. 

Additionally, XXXX did not deliver any product or service in return for the {$1000.00} payment. As a result, I initiated a dispute with Apple Card under XXXX Reason Code XXXX ( Goods or Services Not Provided ) and the Fair Credit Billing Act ( XXXX ), which protects consumers from charges for goods or services that were never delivered. Despite providing all necessary documentation and explaining these facts, Apple Card denied my dispute without offering any explanation. 

I seek assistance in recovering the {$1000.00} prepayment due to XXXX failure to disclose material terms and the non-delivery of goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I may attempt to resolve the issues.

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account XXXX : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
{$970000.00} of Cashier checks were stolen after sending from my Wells Fargo XXXX account. Since I have submitted many requests to Wells Fargo many times to investigate their fraudulent clients that support the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has stolen all the cashier checks I have sent. Wells Fargo has decided to cancel my checking accounts and have stated that it is my responsibility to investigate their fraudulent clients. There is no evidence that Wells Fargo has investigated these fraudulent clients. Therefore, I am requesting an investigation and response from the CEO of Wells Fargo that they are not interested in investigating these stolen cashier checks. Wells Fqrgo must be responsible to return to me the {$970000.00} in stolen cashier checks by asking the XXXX cashiers to return the stolen checks. Attached is the list of cashier checks. Thank you. 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I had my auto set up to draft a payment under their XXXX XXXX program. I made sure that my funds were there. My landlord sent me a notice saying that Best Egg returned the payment saying that I had insufficient funds and charged me not only for a returned payment but they charged me a late fee which ended up being {$150.00}. I called Best Egg several times and advised them of the issue and was told that I had insufficient funds. I advised them that was not true and sent a copy of my bank statement proving that my funds were there after XXXX of their supervisors told me to do so. I spoke to several supervisors and requested that I speak to someone in corporate. I was told that there is no one above the supervisors of the call center and corporate does not exist. An employee tried to use a sad excuse saying that XXXX XXXX is a new product and it seems like it was a system glitch that caused the issue and they apologize but going forward I should not have any issues. My property management company requested something in writing from Best Egg confirming that it was a mistake on their end and they did not give me anything. They just attempted to use empathy recognizing their mistake and basically want me to forget and forgive them. My property management company advised that since Best Egg was the ones that returned the payment incorrectly, they need to be the ones that reimburse me for their mistake. The company has not tried to resolve this issue and told me that a supervisor would contact me back and no one never contacted me back at all. They even closed the ticket that I created regarding this issue without resolution. 

Also on my bank statement on XX/XX/year>, my balance was {$260.00}, and my payment to Best Egg was {$250.00}. There was no activity on my account for 3 days, which my payments from the company are always withdrawn by the XXXX of the month to ensure the property management company is paid. I have included proof that it was an issue on the company 's side and not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: CO

Complaint narrative:
XXXX XXXX XXXX  open account. With out the letter of approval from my XXXX XXXX XXXX XXXX  And XXXXXXXX XXXX same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments

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 2024-12-10 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: CO

Complaint narrative:
XXXX XXXX XXXX  open account. With out the letter of approval from my XXXX XXXX XXXX XXXX And XXXX XXXX  same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the inadequate response to my previous complaint ( Case # XXXX ) concerning incorrect information on my credit report. The issue involves a collection account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX  XXXX XXXX, opened in XX/XX/XXXX. 

Summary of Previous Complaint On XX/XX/XXXX, I submitted a complaint to the CFPB regarding a debt validation request I had sent to Equifax. Equifax claimed the debt met requirements but failed to provide the validation process or the requested information as required by law. 
. 
Equifax 's Inadequate Response On XX/XX/XXXX, Equifax responded to my complaint, stating they had verified the item belongs to me and updated the account. However, their response was insufficient for the following reasons : Lack of Proper Validation : Equifax did not address my core concern about debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Incomplete Investigation : While Equifax claims to have conducted an investigation, they did not provide details on their process or the specific documentation used to verify the debt. 

Failure to Provide Requested Information : The response did not include the information I originally requested in my debt validation letter, such as the original contract or agreement and a detailed account of how the balance was calculated. 
. 
Request for Further Action I believe that Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the FDCPA in handling my dispute. Therefore, I request that the CFPB : Investigate Equifax 's practices in handling debt validation requests and credit report disputes. 

Require Equifax and XXXX to provide a detailed explanation of their investigation process and findings, including specific documentation used to verify the debt. 

Ensure that the credit bureaus comply with all relevant laws and regulations in handling consumer disputes and debt validation requests. 

Take appropriate action if any violations of consumer protection laws are found. 

I appreciate your attention to this matter and look forward to a thorough investigation and resolution of my complaint.

Company response to consumer: Closed with non-monetary relief