vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.I also realized they reported false information to my credit report according to the FCRA law 605 B they didnt have permission to report anything to my credit report without my consent

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 2024-05-28 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-28 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-28 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 was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2024-05-28 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
Please remove the account XXXX from collection agency XXXX XXXX XXXX  from my credit report. I sent a letter to the collection agency XX/XX/2023, and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXX XXXX so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via CFPB in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-28 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: Chime Financial Inc
State: NC

Complaint narrative:
Unauthorized charges to my account from XXXX XXXX XXXX in the amount of XXXX this happened on XX/XX/XXXX I put in a dispute with Chime. on XX/XX/XXXX I was refunded back XXXX I did not receive theXXXX all of the charges came from XXXX XXXX and the charges are unauthorized I would like to no why I was not refunded all of my money it was five different charges from XXXX XXXX why was an error found for one charge and I was refunded but not the four other charges i esnt my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm filing this formal complaint against Wells Fargo for the egregious breach of trust and illegal misuse of my personal and business information. It has come to my attention that a Wells Fargo employee inappropriately opened credit cards and other accounts in my name without my consent or knowledge. 
This unethical and unlawful practice has caused significant financial damages, not to mention the violation of my privacy and the erosion of the customer-bank relationship built on trust. I am demanding that Wells Fargo take immediate action to investigate this matter, identify and terminate the responsible employee ( s ), and provide fair compensation for the monetary losses and emotional distress caused by their reprehensible actions. 
I expect a prompt resolution to this grave issue. Failure to do so will result in further legal escalation. This incident occurred prior to the pandemic weakening the business 's credit strength, and affecting its financial health ( 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, Someone tried to hack my capital one account. So I had it locked but due to it being locked i'm unable to have it unlocked due to not having a ID. Capital one literally won't let me unlock it because they need my State ID. which I don't have or able to get because my account is locked. Everytime I call they ask for my ID even though they know my situation. They asked why I can't buy one because my capital is locked with all my money on it. I'm also unable to buy an ID because of my capital one is locked. Even though support knows they just keep saying when I get a ID step in the Branch. But Again How can I pay for a ID if my bank account is locked. It's been 2 weeks I'm late on my bills Im unable to order food. I'm unable to call a XXXX for work. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$1000.00} RESURGENT/LVNV FUNDING XX/XX/XXXX {$690.00} I have taken several actions to address and remove a mistake on my credit report. First, I reviewed my credit report and identified an error concerning an incorrect payment history. I gathered all necessary documentation, including payment receipts and account statements, to support my claim. I then contacted the credit bureau, XXXX, and submitted a formal dispute through their online portal on XX/XX/XXXX. Additionally, I contacted the creditor directly to request a correction of the information and ensure they notify the credit bureaus. I followed up with both the credit bureau and the creditor regularly to check on the status of my dispute. On XX/XX/XXXX, I received confirmation from XXXX that the error had been corrected and my credit report updated. I continue to monitor my credit report regularly to ensure its accuracy and prevent future discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
I am writing to bring to your attention an issue I have encountered with TransUnion LLC, one of the major credit reporting agencies. As a consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute certain inquiries on my credit report. Unfortunately, TransUnion has failed to complete their investigation within the mandated 30-day period. 

Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted a dispute letter to TransUnion requesting the removal of the aforementioned inquiries. 

According to the FCRA, TransUnion is obligated to investigate and respond within 30 days. However, this deadline has passed without resolution. 

Legal Basis : The FCRA grants consumers the right to access their credit reports and dispute any inaccurate or incomplete information.

Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report.

Section 611 ( a ) ( 7 ) of the FCRA specifies that if the investigation is not completed within 30 days, the disputed information must be removed.

" 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' ( Source : 15 U.S.C. 1681i )

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 2024-05-28 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-28 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-05-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX I'm writing because I noticed Navy Federal Credit Union ( NFCU ) reported late payments and utilization information on my consumer reports. I am requesting that these experiences/ transactions be removed from my XXXX XXXX XXXX and XXXX XXXX reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( NFCU ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, NFCU has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXX I received a notification that someone was trying to make a charge on my Truist XXXX Card. I immediately called the fraud department and started the process. I have called them many many times to get this resolved and all I can get is it will be taken off the next billing period. I have a letter from the Truist Bank stating that they will remove it but they never have. Now a collection agency is constantly calling and we explain we are waiting on the process. I called again last week and the fraud department said our time was up but there they would expedite it again. Still nothing and the now the credit card has been closed and the interest charge and lates fees are piling up. Those two fraudulent charges were the only ones on the card. My credo it impeccable but now I fear this is tarnishing it. This bank just keeps giving me the run around and I just dont know where to turn now. Even the branch bank cant help.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX Acct # XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Company ran my credit without my authorization or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Solutions Inc
State: NE

Complaint narrative:
I went to XXXX XXXXXXXX XXXX  in XXXXXXXX XXXX XXXX  after speaking to XXXX XXXX by phone and being interested in learning more about health programs they offered. I filled out paperwork and included my insurance information then. XXXX advised my insurance would cover my visit, so, I proceeded to come in as scheduled. XXXX took XXXX XXXX and told me we could discuss further options once my XXXX XXXX came back. I later received a bill for {$840.00}. When I contacted the office on why I was receiving a bill, they stated my codes were billed incorrectly and they would try again. 1 month later I received another bill. When I called back, the representative stated my insurance plan does not cover XXXX, however, I was not being seeing for XXXX. XXXX advised I need to do a XXXX ( XXXX XXXX ) and after that, we could discuss health options. I never came in for " XXXX ''. I called and emailed XXXX billing department and asked for them to correctly bill under XXXX XXXX XXXX and they refused. I have an isurance plan that 100 percent covers my expense. I am not responsoble for XXXX XXXX inaccuratly billing my insurance for XXXX. AR Soluntions has now inaccuratly billed me for {$840.00} under account XXXX and {$920.00} under account number XXXX. I do not owe {$1700.00} to AR solutions or XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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