vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. 

The inaccurate entry is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, 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 2024-09-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act. 
I am disputing this account and requesting a validation of debt in accordance. 
( ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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:
These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to TransUnion, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.

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 2024-09-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: DISCOVER BANK
State: AL

Complaint narrative:
I am submitting a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which restricts when and how companies can access my credit report. Below are the details of each unauthorized inquiry, including the company name, date of the inquiry, and actions taken so far. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Unauthorized Inquiry : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXX XXXX conducted a credit inquiry on my report without my authorization. Under FCRA, 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access my credit report. I did not apply for credit or give permission for this company to perform a credit check. This unauthorized inquiry has caused damage to my credit score and personal financial reputation. 

I have contacted DISCOVER FINANCIAL SER on XX/XX/XXXX to request the removal of the unauthorized inquiry, but as of today, I have not received any resolution. The company 's actions ( or inaction ) are negatively affecting my creditworthiness and are in direct violation of federal laws governing credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I have been struggling to find legal representation for this issue with no success so far. On XX/XX/XXXX, when my vehicle was repossessed, there was a heated exchange between the agent and myself. Despite my request for him not to take the vehicle I was in, he proceeded to do so, resulting in a clear breach of peace on his part. West Lake failed to inform me of the vehicle 's whereabouts along with my belongings, forcing me to make multiple calls to obtain this information. Upon finally retrieving my belongings, they were damaged and some items were missing, irreplaceable things lost. I was not informed about the auction details of the vehicle either. This situation is adversely affecting my credit report, hindering my ability to secure a vehicle essential for my job. I seek your assistance in obtaining the necessary relief to move on from this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had to return a defective item that I had purchased from XXXX which is, as you know, a gigantic company even larger than Wells Fargo Bank. 

The return TODAY was completed within a matter of minutes! 

I have had to return to other merchants other defective items. The returns always also took a matter of minutes. 

But to have the problem of inappropriate fees charged to my account by Wells Fargo Bank has taken well more than three weeks and still there is no answer! WHAT IS THAT? 
WHY? 

And, with all due respect, it is absolutely disgusting of Wells Fargo Bank! 

XXXX XXXX XXXX XXXX I too am a customer of Wells Fargo Bank and I too state their conduct is DISGUSTING! 
They have put my beloved and loving husband, soulmate, and best friend XXXX XXXX XXXX XXXX through XXXX! And still continue to do so! And we are far from being XXXX chickens and we each have XXXX XXXX XXXX about which we many times informed them! 

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 explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2024, my check card with US Bank stopped working I then called the bank and USbank told me to visit a branch to get my money. I was then denied my money upon visiting a usbank branch with no explanation as to exactly what is going on. I have received nothing in the mail a week later. In the past I have disputed multiple transactions on my account for multiple reasons and have provided in depth explanation for every single dispute complying with and assisting usbank in its investigation and whether or not I keep provisional credit has been up to Usbank and it is my right to dispute any and all charges involving my account. Just because I dispute doesn't necessarily mean there's been fraud there are numerous reasons why a transaction should and can be disputed including fraud. So there you have it I have disputed multiple transactions well within my right and USbank in turn retaliates against me by locking my account and withholding my hard earned money with no correspondence received or any indication as to exactly what the bank is doing to resolve it's own concerns and return my money. I owe " USBANKCORP '' absolutely NOTHING. Every transaction and dispute with my student checking account with USbank has been resolved and my account is current. I have been providing no information as to exactly what to expect in terms of receiving my money and I am being denied access to my property. I need USBANKCORP TO CLOSE MY ACCOUNT AND GIVE ME MY MONEY ASAP my account ending in XXXX currently has $ XXXX this is the amount I am owed.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was expecting a check for {$1200.00} from the XXXX. After waiting for two months without receiving it, I contacted the XXXX and was informed that the check had been mobile deposited and cashed on XX/XX/year>. 

The check was mistakenly delivered to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while I reside at XXXX XXXX XXXX XXXX. This mis delivery has been an ongoing issue, as I have repeatedly failed to receive important mail at my correct address. 

I currently XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, at XXXX XXXX XXXX XXXX. The XXXX provided us with a copy of the cashed check, which was electronically deposited by someone using the name " XXXX XXXX '' at the XXXX XXXX XXXX XXXX address. Upon contacting XXXX, we discovered that while the name on the account matched my friend 's name, the social security number and other personal information did not. 

Further investigation and a property records search revealed that an individual named XXXX XXXX XXXX resides at the XXXX XXXX address. It appears this person forged my endorsement on the check, made it payable to the " fake XXXX XXXX, '' and successfully deposited the funds into their account. This means my best friend 's identity has been stolen and compromised as a result. 

I have filed a police report, reported the incident to the XXXX XXXX XXXX, and notified the relevant banks. However, no action has been taken so far. I urgently request the recovery of my funds and the prosecution of the individual involved to the fullest extent of the law. 

This check was issued by chased bank, but it was mobile deposited into a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
A new debt company asked me again for the sum for the claim I submitted on XX/XX/year> Number XXXX Post the complaint I brought to AN XXXX XXXX XXXX  store the proof that I returned the equipment. I just got off the phone from XXXX XXXX XXXX - billing department employee 's name is XXXX - that assured me that I do not owe any money - that True Accord started asking me- to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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