vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-08 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: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
XX/XX/XXXX 2024 I was served with dispossessory warrant by XXXX XXXX XXXX XXXX from XXXX XXXX. I paid the fees on XX/XX/XXXX and my case was dismissed. I currently reside in the residence. 
XXXX-I received two letters by mail from Brock & Scott , PLLC stating they were hired by XXXX XXXX  to collect the debt from the dispossessory from the above /date in XXXX XXXX, One letter had a XXXX XXXX return address and One letter had an XXXX XXXX, XXXX  return address. The letter also stated the deadline to respond was on XX/XX/XXXX XXXX I called XXXX XXXX and no one could find a past due charge on my account dated XX/XX/XXXX2024. 
On XX/XX/XXXX, I sent a debt verification letter via certified mail to both adresses listed above. 
On XX/XX/XXXX2024, I hired a lawyer, XXXX XXXX, from XXXX XXXX XXXX XXXX. 
The following week, I received a copy of the dismissal from XXXX XXXX XXXX XXXX XXXX with a different return address than the previous two letters received.

I made my lawyer aware of the three addresses for Scott and Brock. She sent two letter via certified mail to them. In her letter she informed them that the debt has been paid and I currently reside in the home. 
XXXX2024- I received a response from Brock and Scott via XXXX . Their response was a copy of the dismissal, a lease and ledger. They did not submit anything that gives me ownership to this debt because the debt doesn't exist. 
On XXXX/2024- I phoned XXXX XXXX again and explained a company named Brock and Scott has personal documents and trying to collect a debt that doesn't exist. 
On XX/XX/XXXX I received a email from, XXXX XXXX, ( portfilio manager ) stating my account is current. This is the second email from him that says my account is current. Yet, Brock and Scott are still trying to collect an imaginary debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Debt Not Belonging to Me on My TransUnion Credit Report To Whom It XXXX Concern, I am writing to dispute the inaccurate reporting of a debt that has appeared on my TransUnion credit report, which does not belong to me. I have never opened an account with the creditor in question, and I believe this erroneous entry is a result of identity theft, potentially linked to the recent national data breach that exposed the sensitive personal information of millions of consumers. 

Details of the Disputed Debt : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am formally disputing this account. The FCRA mandates that TransUnion investigate disputed information within 30 days of receiving a dispute request and either correct or delete any inaccurate or unverifiable information from my credit file.

The FCRA also grants me the right to request the removal of information resulting from identity theft. Given the widespread issues linked to the national data breach, it is clear that this debt has been fraudulently placed on my credit report due to unauthorized use of my personal information. Therefore, I am requesting the immediate removal of this debt from my credit report.

Requested Actions : Immediate Investigation : Please investigate the fraudulent debt and verify its accuracy.

Deletion of Fraudulent Account : As this debt does not belong to me and was fraudulently placed, I demand its immediate removal from my TransUnion credit report.

Please take prompt action to investigate and remove this erroneous debt, which is causing undue harm to my credit score and financial standing. I look forward to a swift resolution and the correction of my credit report.

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I recently discovered that my identity has been compromised, leading to the fraudulent creation of XXXX accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Violation of privacy act of XXXX, pursuant to, title XXXX of The united States XXXX of copyright infringement and copyright act of XXXX.

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

Complaint narrative:
XXXX XXXX XXXX  {$730.00} Date Opened XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy under the Privacy Act of 1974 I took action by asking the company to send me more information on this collection debt in a form of a letter still no response or action was taken on behalf of 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 2024-09-08 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report.I never had a contract with this debt collector for any debt. I have requested that they provide the master purchase agreement and the forward flow agreement to show full ownership of such account and also so i XXXX review to see if this is actually an account that belongs to me! This company has not provided me with that information they instead they uploaded a XXXX letter and credit card statements THOSE ARE NOT THE PURCHASE AGREEMENT!! The purchase agreement has not been shown to me so Portfolio Recov Assoc can not prove they legally own and can collect on this debt. THIS NEEDS TO BE DELTED FROM MY CREDIT REPORT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been dealing with Credit Card Fraud with Wells Fargo, I filed a police report and the fraud person they kept adding as a signer issuing cards and raising my card limits for the several {$2.00}, and {$3.00}, cash advances, all done by the same fraud name XXXX XXXX XXXX, all done in XXXX OH and Texas. I was forced to take out a Persian loan with XXXX XXXX XXXX for {$16000.00}. It caused me to be taken ER due to XXXX from stress. Im yet to receive the money back and I have all the bank credit card statements, of all the rush card delivery fees, interest rate for cash advances and cash advance fees. The kept closing one card and just forwarding all the balance to a new card which included the fraud cash advance amounts, interest and all fees. Im being forced to obtain an attorney unless they send me the check for all the fraud Wells Fargo scans people dont believe anything they all working together. The few honest ones that helped me would few days later at the Bank be suddenly gone no longer working there I provided Wells Fargo with a copy of the fraud police report filed against XXXX XXXX XXXX and the amount Im owed {$16000.00}. Yet the name would be added as a authorized signer on my credit card account and yet another Fraud card would get issued and yet another {$2000.00}, {$1900.00}. And {$3000.00}. Cash Advaces would be able go through.

Help stop the Fraud Scam 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 monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently discovered that my identity has been compromised, leading to the fraudulent creation of XXXX accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TX

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-09-08 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was given a call from what popped out as Wells Fargo 's customer support number and completely sounded and acted like it. The number I answered was the first one that ends in XXXX. They stated that they were looking for me by name and that they had noticed fraudulent activity for my debit card. I looked at my app and there was fraudulent activity. They then told me the last 4 digits of my card number and the expiration date. They then told me they were going to get me a new card and asked if the address they had on file was correct, which it was. They told me my new card would be shipped in the next few days. They then also " transferred '' me to an automated pin code changer over the phone, so I could change my pin, which is how they ended up getting the pin code. Over the next day or two, I logged into my app and noticed that {$6200.00} was taken out. I immediately called the number on the Wells Fargo website and tried to sort out with them. I told them what had happened, and they told me they would submit a claim for me. 
Ever since then, I have submitted two claims to Wells Fargo ( both have been denied ), one over the phone and the other in-person at a branch. On XX/XX/XXXX, I submitted a detailed bank statement where I circled everything I did not authorize and the police report ( reported on XX/XX/XXXX ) about the incident to Wells Fargo.

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 monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was alerted from my credit bureau that someone had opened an account with Chase under my social security number. I have attempted to fix this issue by calling the number provided and I am unable to get through to anybody and I can not resolve it online myself. I am currently dealing with identity theft and have been for several years and I am having so many issues trying to fix this. I have been unable to get help from anybody and I have reported it to every agency or whatever that I am supposed to and no one has gotten back to me to help me. I'm at a loss. I don't know what to do anymore. This is destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX of last year I got approved for a secured credit card through my local bank XXXX in Indiana. This year I moved away so I closed my bank which would in turn close the credit account as well. A few weeks go by and they send me a reimbursement check of the full credit amount. All is well until XXXX of this year. Because I closed XXXX, that debit card was no longer active and my XXXXXXXX XXXX account couldn't charge it. Instead they tried charging my XXXX credit card ( they charged it without my consent but that is a different issue to complain to a different body ) and it went through. I reached out to the credit company and they said they didn't close the account, they changed it to an unsecured account. I did not consent for that and they did it without my knowledge. They claimed it was stated in the mail that came with the check but I saw no such statement and they are refusing to reverse the charge.

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 monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I requested the following 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
They [ Nelnet ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX

Company response to consumer: Closed with explanation