vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: Granite Edvance Corporation
State: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX in your letter are no truth no facts. I first purchased my home XX/XX/XXXX and not my wife but it were I that refinanced on XX/XX/XXXX to XXXX XXXX and transferred to chase at no time did I ever do a mortgage with XXXX, A lie. I see that you never mentioned my loan number XXXX thank you tells me you know who it belongs to and if not just review just confirmation numbers as XXXX and XXXX. Multiple dates are given now over XXXX decades XXXX XXXX fake SSN XXXX says he purchased several dates including on court record XX/XX/XXXX you say in your letter XX/XX/XXXX your attorney says XX/XX/XXXX in an email in XXXX. Currently pending on the CFPB portal against century XXXX ending XXXX asking them and refin about false advertising that XXXX XXXX is owner and purchased on XX/XX/XXXX with XXXX XXXX and both century XXXX. XXXX XXXX CFPB ending XXXX letter dated XX/XX/XXXX investigated and concluded " NO FORECLOSURE '' and the property went back to chase. Your client fake doctor and XXXX XXXX professor on loan applications had XXXX fake XXXX degrees I reported as XXXX PENDING. Also, wrongfully lying that he is the owner imposed on judge XXXX as she has said since XXXX and complaint against her are pending since XX/XX/XXXX as XXXX # XXXX. He cash two chase checks in my name XXXX handledd by det. XXXX XXXX XXXX. Explain why I have two inquiries recently on my credit file from XXXXXXXX XXXX 

Please tell the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-15 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: IN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Since XX/XX/year>, I have received multiple phone calls from American Adjustment Bureau , Inc., a debt collection agency. They left voicemails on the following dates : XX/XX/year>, at XXXX XXXX  XX/XX/year>, at XXXX XXXX  XX/XX/year>, at XXXX XXXX  In each voicemail, they identified themselves as American Adjustment Bureau, stated that the call was an attempt to collect a debt, and provided a reference number ( XXXX or XXXX ) for follow-up. However, they did not specify the name of the original creditor or the amount of the alleged debt. 

Despite these calls, I have not received any written validation notice from American Adjustment Bureau. Under the FDCPA, debt collectors are required to send a written validation notice within XXXX days of initial communication, outlining the debt details, the creditor, and my rights to dispute the debt. American Adjustment Bureau has not fulfilled this requirement. 

Due to the lack of written validation, I am concerned about the legitimacy of their claims and the potential impact on my rights as a consumer. I request that the CFPB review this matter and ensure that American Adjustment Bureau follows all required FDCPA procedures, including providing a written validation notice, before continuing any collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Unauthorized inquiries showed up on my credit report today, and I have no explanation for why. These discrepancies werent there before, and refreshing my browser didnt resolve the issue. The fact that this persists is beyond frustrating, and I urgently request a detailed review of the documents Ive sent to ensure I never have to deal with this kind of problem again.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: OH

Complaint narrative:
I was charged for multiplXXXX XXXX  transactions I didn't authorize nor initiate. I filed a dispute. It was denied. I filed an appel and provided answers to their questions regarding my stolen phone and wallet. My appeal was denied due to " charges match spending habit and charges requirf verification and verification was provided ''. I contacted XXXX who confirmed the charges were automatic to my payment method and authorization nor verificarion was provided.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX Chase was trying to process a payment of {$3700.00} to my XXXX XXXX XXXXXXXX account. Which they repeatedly tried to process. I called both banks to try to get them to cancel and now it is showing I am - {$2400.00} in the negative in my checking account with XXXX. Both banks say I need to call the other bank to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX- received an interest charge refund in the amount of {$8900.00} to our Wells Fargo Autograph card. 

XXXX XX/XX/2024 - called WF customer service to request a credit balance refund to be transferred into our WF joint checking account. Was told it would take 7-14 days to receive. 12 CFR 1026.11 ( a ) outlines timeliness of these requests, whether it be oral, electronic or written. ( i. Refunding any credit balance to the consumer immediately. ; iii. Refunding any credit balance upon the consumer 's oral or electronic request. ) WF is already in violation of this Truth in Lending Act with their " 7-14 days. '' XXXX XX/XX/2024 - called WF customer service for a credit balance refund status. Was told it could take up to 14 business days to process. I informed of the violation of 12 CFR 1026.11 ( a ). The representative apologized but said there was nothing he could do. 

XXXX XX/XX/2024- ( officially 14 business days ). called WF customer service for a credit balance refund status. First representative told me it would take 14-28 days and has to be researched since it's over the amount of {$2500.00}. We would then be issued a paper check, not electronic transfer. The second, higher level, representative assisted in placing a case number with WF and proceeded to say the credit balance refund could take 30 days. She was unable to tell me whether the action had been processed, whether a check had been mailed, or why it had to be researched. The funds originated with WF, have never left WF and are not being asked to.

Note : current credit balance is {$8600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, I received a check for {$160.00} and a letter stating " We determined activity occurring in your account ( s ) violates our Membership Agreement and is abusive to Navy Federal Credit Union and its membership. '' I opened this account XX/XX/XXXX and the only deposits made were one or two paychecks from my employer. I withdrew {$250.00} from the branch which I used to get a money order, which I still have the receipt for. XXXX XX/XX/XXXX, Navy Federal restricted my account due to negative reporting from XXXX XXXX and I provided a police report and letter from my attorney that I was a victim of fraud. The only reason I found out is because my company could not deposit my check due to the restriction and I received a paper check. After calling about this issue, I have not been in contact nor walked into a Navy Federal Bank. When I received the letter, I contacted Navy Federal to find out what they were referring to. I was told I was trying to make a deposit for unemployment. I told them I never applied for unemployment because I was working full-time. I called Texas Workforce Commission and was advised someone fraudulently made a claim XX/XX/XXXX which I submitted a fraud report on XXXX XX/XX/XXXX. I was not contacted by anyone regarding this issue until I received this letter. My credit has had a fraud alert and frozen since XX/XX/XXXX. Someone has to call me to receive my information. I contacted the social security office to put an alert on my social security number. The agent stated the controls I've done was all they can suggest I do. If an entity allowed fraudulent information to come through, it is the error of the entity. Now Navy Federal Credit Union is falsely accusing me of something I didn't do and I was never advised about this issue until now, XX/XX/XXXX and Navy Federal is reporting a negative comment about me to XXXX XXXX  which I don't appreciate. I need the negative comment removed and I went into the bank XXXX XX/XX/XXXX and permanently closed my account. I filed a complain with the Federal Trade Commission, report XXXX, against Navy Federal Credit Union. I don't want to bank here and I want them to kindly leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am reporting a fraudulent collection account placed on my credit report by Jefferson Capital Systems. The account pertains to XXXX XXXX, which I closed on XX/XX/XXXX, with no outstanding balance. I transferred my service to XXXX XXXX XXXX on the same date, which requires a XXXX balance to complete. Additionally, XXXX issued a final statement on XX/XX/XXXX, confirming an overpayment of {$0.00}. 


Despite this, Jefferson Capital Systems is reporting a balance on my credit report as of XX/XX/XXXX, nearly XXXX years after my account was closed and paid. This is a false and unsubstantiated claim, and I request FTC assistance in ensuring this fraudulent entry is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, which I dont understand. My usual check revealed unusual discrepancies that seemingly appeared out of nowhere. After refreshing the browser to see if it was an error, the inquiries were still present. Im incredibly upset and insist that the documents I provided are reviewed properly so this issue is resolved and doesnt haunt me in the future.

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 2024-11-15 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: NY

Complaint narrative:
I am writing to formally request that the unauthorized credit inquiries listed below be blocked and deleted from my credit report. My personal information was compromised due to a data breach, and these inquiries were made without my knowledge or consent. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block these unauthorized inquiries from my credit file and remove them entirely. 
Unauthorized Inquiries 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 explanation
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXXXXXX XXXX that has been paid off and carries a XXXX balance since XX/XX/XXXX. At least once a month I get a XXXX XXXX alert that my credit score drops XXXX points. I go in to check it and it's the XXXXXXXX XXXX XXXXXXXX card and they keep changing the XX/XX/XXXX payment to " late ''. This happened thru XXXX once, I disputed it and they corrected it. This has been going on with Transunion now at least 4 times. I see it, I dispute it, and it gets corrected. Three weeks later the exact thing happens again. This last time I received an email from Transunion stating that the information is correct. How can I have a late payment in XX/XX/XXXX when the account was paid in full in XX/XX/XXXX? There's was no payment to be made in XX/XX/XXXX to be marked as late. I contacted XXXXXXXX XXXX XXXX and they said they have no record of the issue. I tried contacting XXXXXXXX XXXX and can't even get somebody on the line to talk to. I'm getting tired of dealing with this issue every month.

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 2024-11-15 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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