vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i realized they had put a collection on my report after this i requested multiple time to validate the DEBT and provide proof and this company never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I saw XXXX XXXX XXXX information and saw they were trying to collect a debt. Requested validation. Upon insufficient validation, they forwarded my request back to Resurgent Capital Services. The letters were dated XX/XX/XXXX - these can be provided if needed via scan because the pages are numerous. The original Rsurgent letters were from XX/XX/XXXX and XX/XX/XXXX. 

They did not provide validation and are relying on another agency to do that, which I have also submitted a cimplaint about to the CFPB earlier today- the creditor name, is different on all the documents, banks are different but they are claiming they are the same. I still have not seen the original documnets from Resurgent, XXXX XXXX or LVNV on this matter. I disputed the trade line and have not been able to get it removed becasue they are saying becuase they received a statement from them, that it is validated. The ttactic is not legal given the circumstances. A statement of account provided does not validate I own a debt. They also failed to provide what I requested. 

Please let me know if you wish to see communication requests and responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-03 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:
I'm Looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible .Inquiries are 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im very been dealing with an issue for something that wasnt explained properly. I did the requirements in order to receive a bonus on my Wells Fargo checking account. I accidentally opened a duplicate account and within a few days when I wasnt busy called and explain I didnt need those and closed them. I then did the requirements only to be told from Wells Fargo executive team that I wont be eligible because of the open accounts that I closed. No one in Wells Fargo explained anything until I had to call. No emails, no calls or information to let me know the bonus would be denied. I will seek legal and have this published for next steps if this isnt resolved.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I sent a certified notice to Foursight capital requesting transaction documents that were not disclosed to me when the deal took place, when I called about the notice and asked the questions all over again, wanting them to prove their position they refused and now they are trying to take my vehicle which is how I get to work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Obviously the company had not read in full my prior correspondence regarding Citi XXXX XXXX XXXX # XX/XX/XXXX( & others? ), and any further correspondence regarding this account can be sent to the Attorney General, the detectives, the XXXX. XXXX Inspection service, and my Lawyer. I also request the case be given to the highest authority in your company. The is not an ordinary case of fraud. This case involves over 14 cards and up to {$130000.00} in card transactions. 
I am requesting video or photos of me using this card. You stating my phone was used to open the account is not sufficient, as these two suspects were at my house for 15-17 hours a day for 5 months and used my phone while I slept and also while I was awake. Stating I received correspondence from you at my house is also not sufficient. These two retrieved the mail from my mailbox everyday as XXXX and XX/XX/XXXX are XXXX. The suspect had made a XXXX account where I received an email everyday showing each piece of mail to be delivered the following day. ( Yes she had access to my email account. As I have stated 20 xs, they had access to everything ). She did THAT with my phone as well HELLO. Stating I did not call you when we found out about this fraud is incorrect. Please check your records. I called you and 13 other companies several times in the middle of XXXX. If payments were made to the account, they were made by these two and a card or account fraudulently opened in our names was used for payment. 
Your denial of this fraud claim is extremely disturbing, especially given the fact it was done to XXXX XXXX people, XXXX XXXX XXXX XXXX, the other XXXX. Both who had excellent credit ratings prior to this traumatic takeover. This case will be televised and your company not participating in the investigation will definitely be a part of what was the most traumatizing part of it all.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint again because Wells Fargo refuses to address my concerns. They are scam artists and their bank should be shut down! They shouldnt be allowed to stay in business when they commit outright fraud against their customers : Wells Fargo and XXXXXXXX XXXX scammed me into getting a credit card with a {$95.00} annual fee promising XXXXXXXX XXXX XXXX points if I spent {$3000.00}. 
After completing this requirement, I am being told that I am not eligible for the bonus because somewhere in fine print it states that you can not get the bonus if you have had a rewards card in the past. 

I never should have been approved for the card in the first place if I could not receive the promotion, or it should have been made abundantly clear to me that I was ineligible. Or they should have denied me and offered me a different card with no bonus. I know I can not be the first person this has happened to. 
It is insane that one of the largest banks in this country, Wells Fargo, is being allowed to con people like this and stay in business. The people who organized this are crooks and should not be allowed to continue deceiving people like this.

Additionally, I received the terms and conditions for my card, which read If you have had a card within the last 15 months, you may not be eligible for a promotion. I explained to the representative from the executive office, XXXX, that may not be eligible means that I might be eligible or I might not. It does not mean that I am ineligible. He acknowledged that I should have been notified by the bank if I was ineligible, but he has still refused to give me the reward points that I earned.

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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I was approved for an auto loan refinance through Navy Federal Credit Union. I filled out the paperwork online and was directed to pick up my refinance check in branch when I could. That same day, I made it to a branch where the check was printed and I would later mail the check to my current lienholder via the USPS. After approximately 15 days without check delivery, I contacted USPS to try and locate my mail. USPS escalated my issue and submitted a case to find the missing mail containing payoff information and the cashiers check. However, as of XX/XX/XXXX, USPS has yet to find my mail after it had been sent to a regional facility nearby. The past two weeks, I have contacted Navy Federal Credit Union in an attempt to stop and reissue the payoff check in order to move the refinance process forward. Unfortunately, Navy Federal has been unwilling to help in any way to reissue the check, cancel my loan, or even push the due date of the 1st payment. Upon initial communication with Navy Federal about the issue, I was directed to go to my local branch to have the check reissued. However, once I reached the branch I was shocked to learn the check could not be reissued because it was a cashiers check. To my disappointment, they could not state why the check was converted to a cashiers check by their banker. They stated my only option was to fill out a declaration of loss form and wait 90 days until that check had been " returned '' before issuing a new check. The problem, however, is that I am still paying on my current auto loan that has not been refinanced while Navy Federal would like me to start making payments in XXXX on this new loan. I believe it is unfair to be beholden to my original monthly payment schedule when Navy Federal arbitrarily switched a normal payoff check to a cashiers check. I have experienced a negative hit to my credit due to the status of two open auto loans and I am unable to make upcoming payments on two loans for one vehicle unit. Navy Federal has refused to push the first payment until the issue is resolved, refused to reissue the check, and refused to cancel the account ahead of the duplicate monthly payment. Despite two occasions via telephone where Navy Federal admitted the check should not have been a cashiers check, I am stuck paying two auto loans for one vehicle come the month of XXXX. I am unable to make these duplicate payments on my auto loan because Navy Federal is expecting payment on a refinance loan that has not yet been refinanced. To add to the subpar experience, I was recently directed to their financial coaching team in case I wanted to learn how I could budget enough money to make the duplicate payment. I am truly disappointed with the treatment and impacts this will have on my financial wellbeing and hope it can be resolved soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Collection Account Reporting Violation of FCRA and FDCPA Dear CFPB, I am filing this formal complaint regarding the inaccurate reporting of a collection account by LVNV Funding LLC on my credit reports, as shown in the attached documents. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Issues with the Reporting : 1. Inconsistent Account Balances & Status My credit reports from different bureaus ( XXXX, XXXX, and XXXX ) display varying balances ( {$1400.00} vs. {$1100.00} ) and different payment statuses ( Collection/Charge-Off vs. Late 120 Days ). 
2. Conflicting Open Dates One report states the account was opened on XX/XX/XXXX, while another lists XX/XX/XXXX. This inconsistency indicates errors in reporting. 
3. Discrepancy in Credit Limit & Past Due Amounts The credit limits and past due amounts differ across reports, further demonstrating inaccuracies.

4. Violation of the FCRA ( 15 U.S.C. 1681s-2 ) The FCRA requires that furnishers of information to credit bureaus report complete and accurate information. The discrepancies in my reports indicate a failure to meet this requirement.

5. Failure to Properly Validate the Debt Under FDCPA ( 15 U.S.C. 1692g ) If LVNV Funding is reporting different amounts, they are likely failing to properly validate or verify the debt before continuing collection activities.

Requested Resolution : I am requesting the CFPB to : Investigate LVNV Funding LLC for failing to accurately report information to the credit bureaus.

Demand an immediate deletion of this collection account due to its erroneous and conflicting reporting.

Ensure LVNV Funding complies with FCRA and FDCPA regulations by providing correct, validated information or removing unverifiable data.

This account is causing undue harm to my credit profile, and I request urgent corrective action. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-04 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: UT

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent someone with the screen name that was spelled very close to the person I was sending money to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following item ( s ) on my credit report. I believe the information listed below is inaccurate, and I request that it be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and completeness of credit reporting.

Disputed Item ( s ) : Account # XXXX According to the FCRA , under 15 USC 1681 1 A 1, all information provided to credit reporting agencies must be accurate, complete, and verifiable. This information is currently inaccurate, and I believe it does not reflect my actual credit history. 

Furthermore, under 15 USC 1681 1 A 6b3, if the information is being reported by a third party or creditor, they must provide the necessary verification of the accuracy of the data. I request that you, or the reporting creditor, investigate the details and provide me with verification to ensure the accuracy of this item ( s ).

In addition, per 15 USC 1681 1 A 5B, negative information that can not be properly verified must be removed from my credit report. Therefore, if your investigation does not verify the accuracy of the disputed item ( s ), I expect it to be deleted in accordance with these legal requirements.

Please conduct a thorough investigation of the disputed item ( s ) and provide me with the results. I am entitled to receive the results of your investigation within 30 days of your receipt of this letter. 

Please send me a copy of my updated credit report once this matter has been resolved. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. Should you require any additional information or documentation to assist in your investigation, please contact me at the address or phone number listed above.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved, I request immediate investigation and removal of this item. As it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation