vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/year> I sent a letter with USPS tracking number XXXX that was signed for on XX/XX/year> requesting validation of evidence bearing my signature that I had a contractual obligation to this account. No evidence was produced bearing my signature within the 30 day time frame. On XX/XX/year> another letter was sent with USPS tracking number XXXX that was signed for on XX/XX/year> notifying that the information requested was not furnished. No evidence was produced bearing my signature within the 30 day time frame. Another letter was sent XXXX tracking number XXXX on XX/XX/year> and received on XX/XX/year>. Again requesting validation showing that I have a legal binding contract bearing my signature with said company for what they are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Consumer ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Chex Systems , Inc Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX I am writing to request an investigation of the following information that appears on my Chex Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX  Account # : XXXX Routing # XXXX Date of Closure : XXXX Bank : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Date of Closure : XXXX Bank : XXXX XXXX Open date : XXXX ) Account # : XXXX Routing # : XXXX Date of Closure : XXXX Fraudulent Inquiries due to identity theft XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf XXXX XXXX  XXXX XXXX. XXXX XXXX a part of XXXX on behalf of XXXX XXXX XXXX XXXX XXXX dont recognize the following accounts and inquiries in question. Im a victim of identity theft and I dont recognize these accounts and inquiries on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint against Experian concerning their handling of a recent dispute I submitted. The issues I am experiencing with Experian involve violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which pertains to the reinvestigation of disputed information. 

On XX/XX/year>, I submitted a written dispute to Experian regarding inaccuracies in my credit report. However, on XX/XX/year>, I received a communication from Experian stating that they would not process my dispute. Their rationale was that the dispute seemed to be submitted by a third party or that it was not authorized by me. 

To resolve this issue, I called Experian on XX/XX/year>, to confirm that the dispute was indeed submitted by me and to request that they process it. Despite my clear and verifiable confirmation, Experian refused to process the dispute and advised me to dispute the matter via phone instead. This refusal to process my written dispute is a clear violation of the FCRA 's provisions. 
Specifically, Experians actions contravene : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that upon receiving a notice of dispute from a consumer, a credit reporting agency must investigate the disputed information. By refusing to process my dispute, Experian has failed to fulfill this obligation.

15 U.S.C. 1681i ( a ) ( 2 ) : This section requires that the credit reporting agency must conduct a reasonable investigation of the dispute and provide a notice of the results. Experian 's refusal to process the dispute prevents any investigation from occurring, thus failing to comply with this requirement.

15 U.S.C. 1681i ( a ) ( 6 ) : This section obligates the credit reporting agency to provide a notice of the dispute to the information provider and to include a statement of the dispute in the consumer 's credit file. By not processing my dispute, Experian is not meeting these requirements. 

I request that the CFPB intervene in this matter and ensure that Experian complies with the FCRA requirements. Please advise on the next steps to take in addressing this issue and any further information I need to provide. 

Thank you for your attention to this matter. I look forward to your response.

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 2024-07-30 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

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 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I spoke with a professor from an email I received thinking it was for some remote student job. I was told to deposit a check that eventually bounced and send money to this individual for payment to receive some office supplies. I received checks in a total of {$3000.00} which bounced, and I sent {$1000.00} to an individual on XXXX on XX/XX/2024. I already attempted to dispute the transaction with my bank, and they told me that they would be unable to return me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
i had one account before. it was closed until now I can't open an account there.

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 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC
State: AZ

Complaint narrative:
I applied for an apartment and was denied for a balance that was on my credit report. I pulled my credit and I called IQOR. The Iqor representative would not take an amount less than what was due. I was told I had to pay in full in order for this to show a paid balance. IQOR would not take anything less than the full balance. I called twice and told them I could pay a percentage and was told I could only pay the total balance and was only able to talk with one representative. I asked for a manager call back and no one has called.

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 2024-07-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Delete this 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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern 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 non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A credit card was opened fraudulently in my name with the credit union Capital One for a total of {$1000.00} I opened a dispute with XXXX on the XXXX XXXX on XX/XX/year>. 

I also contacted Capital One and informed them about the fraud with their bank. Where they started their investigation. 

On XX/XX/XXXX, I received a letter stating that Capital One finished the investigation and deemed me responsible for the accounts. I then made a second call to Capital One on XX/XX/XXXX, to open up another investigation for the fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent my dispute to Experian on XXXX XXXX in regards to some inquiries on my consumer report that I didn't give permission nor they have permissible purpose to pull my consumer report under 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). And there was no extension of credit between us. Experian returned my letter of dispute for those inquiries on my consumer report as undeliverable mail as addressed. The address on the envelop mailed to Experian is the correct address.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This card in question is with Synchrony Bank, managing the XXXX for Sam 's Club. 

a ) When returns are made it takes a few days to appear and this is especially critical when near the payment due date. 
b ) When charges were made they appear right away. This means my bank account is debited to the total amount outstanding on the day of the payment due date. That means this credit card behaves like a debit card rather than a CC. CC allows you to pay after 30 days of statement closing, not immediately. 
c ) I have other bank cards and XXXX XXXX, managed by XXXX XXXX similar to this in question and they only charge what the statement balance minus any returns. 

I am sure there are lots of complaints against this bank and they are charging customers unfairly. I was told signing auto-pay gives them the authority to do so. Again, I have auto-pay with all CC vendors and none are doing what Synchrony is doing. 

I signed with XXXX XXXX, to manage all my finance portfolio in one place and today I tried to link my Synchrony Sam 's Club card, and access was denied. It is similar to XXXX and other software. 

In the meantime, Synchrony has no problem accessing my bank account to process Auto-pay and I can't figure this out either. 

I need your help in finding out what is happening! 

Thank you, XXXX XX/XX/year>

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 2024-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Lexus issue ... my lease final payments were XX/XX/year> .. i sent the buy out checks out to their operations overnight mail on XX/XX/year> and still have not received my title to transfer in my name in PA .... In the mean time i have been getting delinquency notices by mail and text saying my account is past due... they have my buy out money they acknowledge that but said the cant turn off their collect system until they apply the buy out or pay off. I have called XXXX to see what my status is and they claim they are under staffed and so backed up they have not processed my buyout... This is very frustrating since all my payments were made, i called for the buyout figure before i sent my money and its still not processed..If this is happening to me how many more lease customers is this happening to??? there has to be some consumer protection laws violated here... secondly they better not report me delinquent on my credit report... i know thats a fair credit report violation.. I need somebody to contact Lexus and find out my situation and also find out how many lease customers are going through the same issues i am ..When i called they said that alot of the lease customers are waiting ... this is something that needs to followed up because its not just me, its alot of lease customers.. as of this date XX/XX/year> i have no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini placed a security hold on my account, essentially blocking me from moving my money off the exchange onto a wallet. Over multiple emails they asked me for more and more information and documents and the requests are odd to say the least, irrational even. For example, they actually asked, " Why did you open a Gemini account? '' Stunning.

No reason has been given for the security hold, though I asked for an explanation repeatedly. And I'm loathe to upload more documents to their " safe drop '' thing because recently, when I did that for a different issue, they soon informed me there was a security breach and I needed to close my bank account completely. So I no longer have confidence that the " safe drop '' is " safe. '' I need this to be resolved as quickly as possible. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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