vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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 am writing to file a formal complaint against a third-party debt collector lvnv funding llc who has violated multiple federal laws in their attempts to collect a debt that I do not owe. This matter has been ongoing for over two years, and despite my efforts to dispute the debt, the collector continues to engage in illegal practices, which has caused significant harm to my credit scores.

Details of the Violations : Debt Not Owed : The collector is attempting to collect a debt that I have disputed and have no obligation to pay. I have provided all necessary documentation to dispute this debt multiple times, but they continue to report the debt to all three credit bureaus.

Damage to Credit Reports : Due to the improper collection practices, my credit scores across all three major bureaus have been negatively impacted. These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal regulations. 
Failure to Cease Collection Efforts : Despite my written disputes and requests for verification of the debt, the collector has failed to provide adequate validation as required by law and continues their attempts to collect this debt unlawfully.

Request for Action : Given that this issue has been ongoing for over two years without resolution and the collector 's failure to abide by federal laws, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold the third-party debt collector accountable. I also request that the damages be assessed, and appropriate penalties of {$1000.00} per violation be applied for the unlawful collection attempts and the impact on my credit. 

Please inform me of any additional information or documentation required to assist with your investigation. 

I look forward to your prompt response and the necessary steps being taken to address this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
To the Reviewer or XXXX XXXX, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX NA inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX inquired on the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.

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 2024-12-30 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
To the Reviewer or Reviewing Committee, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX  inquired XXXX XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX inquired on the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I opened a Best Buy card three years ago due to a promotional discount by opening the card. I paid the card balance off the next month and have never charged anything on the card again. I received a charge on my card back in XXXX from Best Buy. the charge was for geek squad membership. I never signed up for a geek squad membership. I called the credit card company, which is Citibank. They handle the Best Buy credit cards. They were supposed to reverse the full charge off. They only took off a prorated amount instead of the full charge that I never signed up for or authorized. 
I have a case number with them # XXXX. 

I have called every single month since them because they keep charging me a late charge saying I have a balance due and it keeps compounding because I refuse to pay it because they were supposed to take the full charge off. When you call a credit card company and you tell them I did not authorize or make this charge. The full amount is supposed to come off. Every time I call now I call the number on my credit card statement, which is XXXX when I speak to them, they then tell me I need to call Best Buy and talk to the XXXX XXXX which that number is XXXX. Its a continuous circle jerk and all the people that answer the calls work in either the XXXX or in XXXX so theres a lack of understanding or comprehension there of What I am trying to say or whatever if they can remove a prorated amount off of my card, they can remove the full charge that was not authorized on my card and I refuse to pay this amount and I refuse to have my credit score dinged every month because I have a late payment. They have now put my account in collections and I am going to be forced to hire an attorney and take this to a small claim court over their fraudulent business practices. I have canceled my account and I refuse upon principle to pay these charges because I never asked for them. They were supposed to be removed. A portion was removed and I dont owe anybody anything for something that I never charged or authorized to be charged to my account I would like you to please help me get this taken care of and investigate if this is happening to other people because Im sure if its happening to me its happening to others and after a while people just get frustrated and pay for it because its dinging their credit. I have the money to pay for it and upon principle, I refuse to pay for it. I never pay my bills late. You can look up my credit.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing This CFPB complaint to report two separate accounts appearing as delinquent on my consumer XXXX credit report and Equifax credit file which I do not recognize as reported. I demand that these inaccurate accounts be removed from under my credit Profile reports XXXX XXXX XXXX Account # XXXX Open date Account # XXXX Open date XX/XX/year> and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I deposited a check via e-Check into my account from the US Treasury in the amount of {$4200.00} on XX/XX/XXXX. Two days later Ally sent me an Email telling me the check would be held for 5 business days ans some of the information didnt appear to match my deposit information. The next morning I woke up to fraud emails on my account and had been locked out of my accounts. I called and was told my account was being flagged for fraud due to the check. When I called I was told this was because the believed it could be fake or not paid. I was shocked as this is a check from the United States government I had been waiting for. None the less they told it was possible it could be fraudulent and thats why it had been flagged. During this time I would also be completely locked out of my accounts with them and not make any other transactions. 

I called again today XX/XX/XXXX as it has been over 5 business days and was told well usually its 7-10 business days and could be longer if they are worried and the funds would get returned. Again this is a check directly from the US Treasury! I was told I could call back on XXXX and it appears that if the funds havent been returned by then they could then release the money to me. So the check has cleared and they are sitting on MY money just waiting to see if the US Government is going to take the money back??!? This doesnt seem right or legal at 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

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 2024-12-30 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: CA

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-30 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was a victim of identity theft in XX/XX/year> and a XXXX XXXX XXXXXXXX XXXX XXXX XXXX card was opened on XX/XX/XXXX under my name along with other credit cards with different banks. I filed a police report as well as an FTC report. I called all the other banks and they closed the other fraudulent accounts for me. XXXXXXXX XXXX however did not. They did an investigation then came back and said my name, address, and email matched the account ... which obviously if someone stole my identity they have that information. The man I spoke to named XXXX in the fraud department XXXX XXXX  on XX/XX/year> would not give me any information on how or what they investigate, his last name, would not let me speak to anyone else, or help with anything at all. I asked if I could send my police report and FTC report to help as much as I could with the investigation and he told me no. I asked to speak to a supervisor and he told me no and then hung up on me. The card continues to rack up charges because they did not close the account and still wont.

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 2024-12-30 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
On XX/XX/year>, and again on XX/XX/year>, I wrote Equifax letters asking them to remove the following accounts due to the Inaccuracy/Not mine. Here is a list of the Accounts As follows : XXXX, XXXX, XXXX and XXXX, None of the accounts are ( Accurate/not my accounts ) yet Equifax continue XXXX Update them and allow the accounts to remain on my credit Profile. I cited law XXXX which state if account isn't 100 % accurate it must be removed, which means all the accounts listed above should be removed immediately. In the last letter mailed on XX/XX/year>, i ask XXXX to show me their XXXX of XXXX. In this letter I ask to see hard evidence such as : The date Equifax Contacted the Creditor, The XXXX XXXX XXXX, the name of the person who Verified the item, the Method of communication that was used to verify the information, and did the address match up to mine on Credit report? If any of this information can't be verified Equifax must Remove items according to law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
Payment was tendered on XX/XX/year> via US Postal service Certified mail with Restricted delivery Certified mail number XXXX XXXX XXXX XXXX XXXX XXXX Sent to the CFO of BEST EGG XXXX XXXX at the corporate office of BEST EGG XXXX XXXX XXXX. XXXX, DE XXXX Delivered and signed for XX/XX/year>. BEST EGG has never acknowledged receiving this package which included in it the Negotiable Instrument, a Promissory Note # XXXX in the amount of US {$30000.00} paid to the order of BEST EGG executed XX/XX/year>. 
To the best of my knowledge BEST EGG is in possession of this Promissory Note and have not credited my account. The customer service representative created a ticket to address the issue with their company " back office '', ticket # XXXX. The response is that they are UNABLE to credit the account OR return my financial instrument. The customer service representative informed me that the company specifies, as addressed in what she called the BEST EGG guidebook under the section PAYMENTS, unapproved forms of payment would be returned to the customer provided there is a return address. This is a contradiction. I demand ( A ) my Negotiable instrument be returned to me immediately ( B ) with lawful reasons why the payment is dishonored only if BEST EGG continues to refuse to accept the instrument and credit my account. Until I receive confirmation that BEST EGG returned my instrument I consider this a billing error per 12 CFR 1026.13 ( 4 ) " failure to credit properly a payment or other credit issued ''. 
The Loan account number was provided on the instrument as well as the return address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a {$30.00} late fee because I was past the XXXX payment cut off time the day before when I made the payment on XX/XX/XXXX. 
I requested a reversal of the fee and was told it was late because it was past XXXX and they could not reverse the fee because I had received a reversal in XXXX. 
This seems unfair and unjust - its been 2 years and they cant help the customer resolve an issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio recovery bought a debt from a company that I supposed to have owed on my credit they saying that they are the original debtor that can't provide me with anything that I signed with them so it's falsely being reported on my credit and they need to remove it.

Company response to consumer: Closed with explanation