vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I canceled my membership with XXXX XXXX XXXX on XX/XX/XXXX over the phone with the owner, XXXX. She then reminded me that i would have to pay the for next two months when canceling in which I did. After she contacted me months later saying that my card was declining and I owned money and as I told her I had canceled it and hadnt gone to the gym since. I have my bank statements to prove that I paid my last XXXX bills and was not charged after because I canceled it. She then sent a collection agency after me in XX/XX/XXXX. Not knowing the depts of her actions, I ignored it as i DO NOT owe her any money. They had stated that i owed {$220.00} originally to her which is false. A week ago, the collection agency hit my credit report as a dept and ruined my score. I tried contacting XXXX and she said she would check if the debt was valid. I told her when i called to canceled and she said she would check the call logs. While doing so she kept being up my boyfriend and his sister and ignoring the cause of problem. She then accused me and my boyfriend of defamation and after I told her that SHE is the only one participating in defamation for falsely accusing me and my boyfriend and my boyfriends sister of owing money she ignored all else and said that the debt was valid and instead of the {$220.00} i originally am supposed to owe her, it is now {$400.00}. I want the collection agency off of my report as i do not owe this woman a single cent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear LVNV, I am writing in response to your recent communication regarding the validation of the alleged debt associated with account number XXXX. Upon review of the information you provided, I am disputing the accuracy and legitimacy of the debt and requesting further validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
Your response did not adequately substantiate that you have the legal right to collect this debt or that the information provided is accurate. Therefore, I am requesting the following : 1.Proof of Ownership - A copy of the original signed agreement bearing my signature and any documents proving your company has the legal right to collect this debt. 2. Payment History & Breakdown - A detailed account of how the balance was calculated, including interest rates, fees, and payments made. 3. Chain of Title - Documentation proving ownership of the debt from the original creditor to any subsequent collectors, ensuring it was legally transferred. 4. Statute of Limitations - Verification of the applicable statute of limitations, including the date of last activity. 5. Proof of Accuracy- Any documentation that verifies the amount, date of last activity, and validity of the alleged debt. Until these requests are fully addressed with proper documentation, I continue to dispute this debt. Additionally, I request that you cease reporting this account to the credit bureaus until the dispute is fully resolved, as reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 16815-2. If you can not provide the requested documentation, I demand that you immediately remove this account from my credit report and cease any further collection attempts. Any failure to comply may result in complaints being filed with the ( CFPB ), the ( FTC ), and my State Attorney General 's office, as well as potential legal action for violations of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
I received a letter in the mail regarding a debt collector for an amount not reflected on my financial aid portal. The amount on the letter is far more. I want to dispute all of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Card was Lost so was Using XXXX XXXX for Transfers, Noticed a Charge for XXXX and Called to Stop. Was to Late and Made a Fraud Claim Instantly, I called Chase asking for Info and Provided Proof that I was Using a Mobile wallet Due to my Card Being Stolen and Proof that I had Money in Previously

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX has obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX is in unlawful possession of the consumer 's private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without consent. I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. 
Further more I HAVE REACHED OUT YO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. As a result of this fraud and the accessory actions of TRANSUNION, EQUIFAX, and EXPERIANs by continuing to report this information, not properly investigating this matter and using extortionate means to stop the consumer from taking advantage of the consumers FULL FAITH IN CREDIT, I the consumer have faced, much distress, homelessness and loss of funds. Including a loss of {$200000.00} in denied home lending for my family and I. According to 18 USC 42 Sec 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) to collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the non repayment thereof, shall be fined under such title or imprisoned not more than 20 years or both.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been with chase southwest credit card over 5 years with only XXXX late payment reported. I recently XXXX XXXX XXXX and decided to do a payment plan with lower interest rate and all of a sudden they are telling me I requested a closed account which I did not. I only requested a payment plan to be on good terms with them considering the fact I been with them 5 years I like to keep my account open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have had a problem with scams and other things that may happen in my account without my consent.. you have no customer service or support I can speak with. No one to fix technical issues. XXXX also have no type of customer support let say if accounts were hacked either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-19 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: NC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX-******************* Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


According to the provisions of the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you will verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, in accordance with 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify anyone who has received my credit report in the past six months of any corrections made. 

Thank you for your assistance and 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 non-monetary relief
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Wells Fargo Customer Service [ XXXX XXXX XXXX, XXXX NC XXXX ] Subject : Request for Removal of Account from Credit Report Settlement Agreement Dear Sir/Madam , I am writing to formally dispute the current status of my loan account with Wells Fargo XXXX XXXX Account Number : XXXX ], which was settled on [ XX/XX/XXXX ] for a lump sum amount of XXXX XXXX XXXXXXXX ]. According to our settlement agreement, I was explicitly told that upon completion of this settlement, the account would be removed from my credit report entirely. However, upon reviewing my credit report, I have noticed that the account is still being reported as a " closed '' account with a {$0.00} balance, which is negatively impacting my credit score and is not in line with the agreement made between us.

I kindly request that Wells Fargo adhere to the terms of the settlement and remove this account from all credit reporting agencies immediately. It was agreed upon that the account would be deleted from my credit file, and the current reporting is inaccurate and does not reflect the terms we agreed upon. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have my credit report reflect accurate and up-to-date information. Since this account is no longer active and has been settled, it should be removed as promised. 

Please take the following actions : Remove the loan account entirely from my credit report across all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXXProvide written confirmation that the account has been deleted from my credit file, and notify me once this action has been completed.I expect this issue to be resolved promptly and within the timeframe specified by law ( typically 30 days ). If this matter is not addressed, I will have no choice but to escalate this dispute to the relevant regulatory authorities and seek legal counsel if necessary. 

Please find attached the settlement documentation, which outlines the agreement and includes proof of the settlement amount paid in full. 

I appreciate your prompt attention to this matter and look forward to your confirmation that the account has been removed from my credit report. 

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 2025-02-19 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:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

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