vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly.

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I believe I was a part of a XXXX XXXX scam and a XXXX scam due to it being connected to Truist bank or XXXX. XXXX XXXX customer service is basically useless and now that a month or so has passed it feels like my funds are truly gone forever. Please help if you can. I understand that without a lawsuit, its probably not possible, but I believe I deserve.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi. I did an external transfer from one account to another in the form of a check. The check was deposited to my Capital One account in the amount of {$510.00} on XX/XX/XXXX. Capital One, both signed and cleared the check then placed my funds on hold. I have a detailed image of the deposit date and stamp by Capital One. 

I called Capital One on XX/XX/XXXX at XXXX XXXX and the man on the phone, by the name of XXXX XXXX said the funds would be on hold until they verify that my account with XXXX is valid. Mind you, CAPITAL ONE ALREADY VERIFIED AND CLEARED THE CHECK ON XX/XX/XXXX. I have a detailed image of it. As of XX/XX/XXXX, my funds are still unavailable and I can confirm that these funds have also been deducted from my XXXX account. I HAVE BILLS TO PAY WITH THESE FUNDS!! 

I deposited a checked in XXXX and it didnt go through as the account it was coming from was short by {$10.00} which I was unaware of. Capital One placed a restriction on my account which I called and had removed on XX/XX/XXXX. It was SO EASY for them to question the validity of my account from this XXXX small occurrence. 

Ive been a Capital One customer going on 10 years and will say that their service is both terrible and outdated compared to most banks. I switched the direct deposit from my employer to a different bank for this reason. 

This is a fair warning, please RELEASE my funds as you have already signed and cleared the check from your end as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not validate this inquiry from these entities. Therefore, the following inquiries must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX identical accounts XXXX for {$1200.00} and XXXX for {$1.00}, XXXX account states XX/XX/year> and other XX/XX/year> almost to the day, also first delinquency 1 month in from date. I have looked at the company lvnv XXXX reports and there famous for using algorithm to change old contracts into enforceable contracts. 

Lvnv funding account # XXXX {$1200.00} # XXXX = {$1200.00} Please look at all start dates and delinquency dates. This looks like a poor attempt at going for money even if it's breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of XXXX XXXX XXXX reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX XXXX profiles I have no knowledge of. 
There are XXXX accounts from a company by the name of Affirm reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C.
State: GA

Complaint narrative:
I called and settled my debt with XXXX XXXX XX/XX/XXXX, XXXX with XXXX XXXX XXXX He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my XXXX XXXX Credit report. My report is reflecting XXXX points lower than the other XXXX scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for XXXX XXXX was XXXX XXXX XXXX, Paralegal, Lefkoff , Rubin , Gleason , Russo & Williams , P.C . 
Attorneys at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Phone : XXXX ( ext. XXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX XXXX, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
I called and settled my debt with XXXX XXXX XX/XX/XXXX, XXXX with XXXX XXXX XXXX He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my Trans Union Credit report. My report is reflecting XXXX points lower than the other XXXX scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for XXXX XXXX was XXXX XXXX XXXX, Paralegal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attorneys at Law XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Phone : XXXXXXXX XXXX XXXX XXXXXXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX No, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.

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 2024-10-05 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a promotional email ( targeted ) to open checking account which reads -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Enjoy a {$320.00} checking bonus* Thank you for choosing Wells Fargo for your financial needs. 
To show our appreciation, we want to invite you to take advantage of this special offer a {$320.00} thank you bonus for opening a new eligible Wells Fargo checking account with {$1000.00} in qualifying electronic deposits. 
Only Everyday Checking is available to open from this email. 
How to avoid the $ 10 monthly service fee** Your bonus offer code is XXXX You must use your bonus offer code at account opening by XX/XX/year>. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Following the email, I opened the account. I just stated that it will check from social security administration. which I agreed.

Even then my application was rejected. 

If wells fargo has to reject my application- why they sent me a targeted offer like this?

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 2024-10-05 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: MS

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. 

Account name : 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 has violated my rights. 

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 an 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 2024-10-05 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: GA

Complaint narrative:
Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: GA

Complaint narrative:
Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I dont know but I see PENN CREDIT CORPORATION on my credit report and I still see it so I know it should have been removed since XX/XX/year>. But it hasnt and this has become a problem for me when I have my credit report pulled when looking at apartments it has cost me a lot of lost with paying for application fees. I would like it removed with the rest of the one s I have already disputed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX Experian received a dispute requesting to remove these accounts Account Name : XXXX Account XXXX XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX and also to provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Today is XXXX the XXXXXXXX XXXX More than 30 days have passed and you have not been able to provide the requested information. Remove these accounts from my reports as you are in violation of my rights. 

15 U.S. Code 1681i - a states that if you aren't able to meet these stipulations you are to remove the accounts from my 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I emailed this letter to the Wells Fargo XXXX XXXX XXXX XXXX. 
" I have been a client of Wells Fargo for XXXX plus years with several accounts and mortgages. 

On XX/XX/year>, I made an electronic payment in the amount of {$980.00} to XXXX XXXX XXXX for my homeowner 's insurance. 

The Wells Fargo XXXX XXXX confirmation # XXXX to be delivered to Slide Insurance by XX/XX/year>. 

I received a call from my local insurance agent on XX/XX/year> stating that XXXX XXXX XXXX had not received the {$980.00} payment. 

However, this payment was deducted from my Wells Fargo Savings account ending XXXX on XX/XX/year>. 

I have called XXXX XXXX several times including the latest being today. Slide still has not received the payment. 

I have called your Customer Service Resolution Department and Fraud Department. The case # XXXX and also received an email from Wells Fargo Bill Pay on XX/XX/year> regarding this matter. 

Today, XX/XX/year>, I was on the phone for almost XXXX hours being switched to different departments speaking with XXXX to XXXX individuals with no resolution. The individuals were not helpful. 

I am thoroughly disgusted with Wells Fargo Bank and have filed a complaint with the FDIC and the Consumer Financial Protection Bureau. 

I want the {$980.00} credited back to my account XXXX immediately. 

Please confirm that the credit has been completed. '' To date there has been no resolution to having the money credited back to my account,

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 2024-10-05 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX  As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate XXXX late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief