vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This complaint would be in conjunction with a complaint submitted pertaining to XXXX XXXX. I applied for a auto loan with XXXX XXXX, got Approved, and received confirmation on a auto loan for XXXX XXXX XXXX. Please reference that complaint when reading this one. 

Today, XX/XX/year>, I received a letter of denial for an auto loan from Chase Bank, Car Dealership XXXX XXXX XXXX. I NEVER applied for a auto loan with Chase Bank. I have a credit card with Chase Bank, such that I am in excellent standing with them. 

Please investigate, as I never applied for a auto loan with Chase Bank. Nor, did I ever give permission to anybody to apply on my behalf for such a loan. 

Please and Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was the victim of identity theft as a result of a company 's neglect and incompetence. I filed an identity theft report and the credit bureaus has not internally deleted the falsely reporting credit information with deletion from credit report and hasn't blocked the creditor from my credit report. 

This is with XXXX account number 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Dispute Letter, Debt Validation Request & Immediate Update Request XXXX XXXX : Account # XXXX 2023 XXXX XXXX XXXX  XXXX : Account : XXXX XXXX  XXXX : Account : XXXX XXXX  XXXX : Account : XXXX BMW : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the COVID-19 pandemic. Under the CARES Act, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances.

Dispute of Balance & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the CARES Act or the potential assistance I may have been entitled to during the COVID-19 period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame.

Request for Form 1099-C If this debt has been canceled or discharged, I request that you provide me with a copy of IRS Form 1099-C for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt.

Debt Validation Request Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Validation of the debt, including the original agreement establishing this account.

2. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I had an account put into my name as a result of identity theft and I did report. The reporting on credit bureau and any in future needs to be deleted and blocked internally accordingly. 

The account is with XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a security breach, and my information was compromised.with chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX indicating they are a debt collector trying to collect a debt that I owe to PayPal Inc. for the amount of {$4300.00} On XX/XX/XXXX I called PayPal Incorporated and ask the representative if I had any open accounts in my name. It was explained to me the only account I had did not have a linked bank account to it and it had a positive balance of just over {$21.00}. The representative inferred I had nothing to worry about and the letter I received was most likely spam. However, when I ask the representative to run the account number, which was on the letter I received, she confirmed there was a debt owed to them. I explained this was fraud and was advised by the representative that she would forward this information to PayPals fraud department. Not much other information was given to me. I do not feel comfortable contacting the debt collector agency as they are trying to collect a debt from me that I do not owe, which is fraudulent. I have not heard back from PayPal about this incident and is why I am writing the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After my last dispute requesting documentation of verification of the public record on my credit report the response I received was the public record was verified by the address listed/filed on the bankruptcy along with social security number and date of birth from national reporting agencys. This is not sufficient. The public record must be verified by the original furnisher, XXXX XXXX XXXX. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the XXXX XXXX XXXX stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided by this credit agency who insist that they verified the public record it must be deleted. 

Attached is a letter from the bankruptcy court.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance {$750.00} XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
Velocity LLC stated in the civil lawsuit that my father received on XX/XX/XXXX that I failed to Contact them and I ignored all form of communication with them, when in fact they never spoken to me nor have I ever received any written correspondence from this company. This company is a liar and when I try to contact them once I received civil complaint from my parents house a representative by XXXX XXXX used profanity and refuse to talk to me this occurred on Thursday XX/XX/XXXX. I contacted this law firm name XXXX XXXX  XXXX who is representing Velocity who is only the debt collector not the original creditor. I spoke to a representative by the name of XXXX who was rude and threatened me and used profanity thought out the whole conversation stated I will have to pay for court cost as well since I ignored all correspondence from their client Velocity. This company is not practicing the FDCPA which prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from customers. This company violated my rights as a customer and its very frustrating to see them get away with being predator to me. 

I have ask the following questions today XX/XX/XXXX to XXXX representative from XXXX XXXX  XXXX and none of my questions were answered and I was told they didnt have to provide me any of this information as followed : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfer

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 2025-01-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2024 I checked my credit report and noticed this debit collection. In which I did not recognize so I requested a validation and verification of the debt. I mailed out my request on XX/XX/scrub>/2024 via @ certified mail & return receipt for proof, they send out a response on XXXX/XXXX/2024 that fails to meet the standard of proper debt validation Under the fair deck, collection practices act Particularly : 15 USC 1692g ( b ) Which requires a debt collector to provide sufficient verification that the debt is valid.

USC 1692e Which prohibits the use of misleading or deceptive practices, including attempting to collect a debt without proper proof of its validity. Without a signed contract or notarized documentation, theres no evidence of support of the claim that the debt is mine the lack of proper validation undermines the right to collect his debt and raises serious concerns about the accuracy and legality of their practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: PA

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 XXXX 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 2025-01-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. NAME / ACCOUNT NUMBER 2. NAME / ACCOUNT NUMBER 3. NAME / ACCOUNT NUMBER 4. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. NAME / ACCOUNT NUMBER 2. NAME / ACCOUNT NUMBER 3. NAME / ACCOUNT NUMBER 4. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On Monday, XX/XX/XXXX I deposited a refund check issued by the IRS into my account at Wells Fargo in XXXX, NV. On Tuesday morning, XX/XX/XXXX I was notified by Wells Fargo that my account was frozen and it would be closed on XX/XX/XXXX or before due to suspicious activity. On the morning of XX/XX/XXXX I reached out to Wells Fargo fraud department and asked what the issue was, and why my account was frozen. The customer service representative that I spoke to said that I needed to go in to verify my identity in order to unfreeze my account. About an hour later, I went down to my local Wells Fargo bank, which is located on XXXX XXXX in XXXX, Nevada, and spoke to a representative there by the name of XXXX XXXX. He contacted the fraud department while I was there, and asked exactly what was needed to verify my identity. They wanted my social security card, proof of residency, drivers license, and phone bill. The banker submitted all of the documentation that they had asked for. Once the banker submitted all of these documents the fraud department asked for they still would not unfreeze my account and are accusing me of depositing a fraudulent check that does not belong to me and are also stating that they receive confirmation from the IRS that the check is not mine. I called the fraud department again on Tuesday, XX/XX/XXXX and ask them again what do you need to be sufficient information for me to provide that connects me to the IRS check They stated I needed to provide something that had the same address as the irs check. On Thursday, XX/XX/XXXX I proceeded to go back to my local Wells Fargo here in XXXX Nevada and provided them with more pieces of mail that had my name and address Linking me to the same address that is on the IRS check that was sent to me by the treasury department. Now today they are telling me that they are still not unfreeze my account which is XX/XX/XXXX and there is nothing that I could do because I am committing fraud. I called the fraud department at the IRS and spoke to a representative and her herself said that they did issue the check to me XXXX XXXX in the amount of {$8300.00}. Wells Fargo is trying to keep my IRS check and also accuse me of fraud which is not true and whenever Wells Fargo has asked for any information I have been able to provide it immediately. They are refusing to honor the check or release it back to me even though I have provided all necessary documentation that was asked of me. I am XXXX XXXX the irs check was issued to me nobody else and they are violating my rights by holding my money without valid reason and unfounded accusations.

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