vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number 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 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a refund from XXXX XXXX  XXXX for NSF charges charged to my account. I was hoping Chase Bank would follow and do the same thing, but nothing has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
After receiving multiple phone calls by this company starting XX/XX/year>, on XXXXrequested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I asked for copy original contract with my wet or electronic signature, copy of the agreement between debt collector and original creditor allowing collection agency to collect debt, contract between myself and collection company stating I owe debt and/ or will pay debt, a copy of payment statements and asked how they obtained my personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XX/XX/2021 I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.

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 2024-03-06 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased show tickets from XXXX using affirms payment Loan ID XXXX. I immediately canceled the tickets and was issued a refund. On XX/XX/XXXX I received a notification on the app that a refund was issued on XXXX On XXXX I got notice from Affirm the loan was finalized and payments would start being deducted. The charges were already canceled by XXXX but Affirm is attempting to still charge me for the loan On XX/XX/XXXX I made a purchase on XXXX XXXX ID XXXX. and also immediately canceled services. They confirmed the services were canceled and a refund was issued. Affirm still has the loan as merchant processing and it has been almost XXXX weeks They continue to bill me for refunded or canceled services/items and never look into the issue as I have had this issue with them so many times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by Congress regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by Congress regarding the accuracy of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, 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 2024-03-06 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:
To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by Congress regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by Congress regarding the accuracy of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed inaccurate information multiple times with the credit bureaus over and over again and they have not removed. They keep saying its verified and it is not accurate information

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 2024-03-05 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/scrub>XX/XX/2017. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2017. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law.

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
Violations of the Fair Credit Reporting Act under 15 U.S.C. 1681 for intentional failure to comply can lead to civil liability as stipulated in 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Made a fraudulent activity claim for fraud that had been taking place over the last 8 months on my checking account. Wells Fargo stated that it will be 10 business days before any funds are to be given to me. On the XXXX business day, Wells Fargo calls me once. I miss the call because Im working, and I call back one hour later. While Im on hold, I get a notification that my claim has been updated. When I finally reach a person, she informs me that my claim has been denied because they said that I approved the transactions via my phone number.

I never was able to speak to a person at Wells Fargo. During the 10 business day waiting period, I was wracking my brain trying to think how could my account have been accessed, when I remembered, my computer had been stolen around this time last year. My computer was set up in a way, that all of my text messages, can be viewed and responded to via my computer. I thought, if someone could get into my computer, they would have access to all of my text messages, including the authorization messages. After hearing from Wells Fargo that they believe I responded to the transactions via my phone number, I am now certain that this is how my account had been accessed by a 3rd party, and how all of these transactions were able to be approved.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called the customer service department at US Bank regarding a question I had on several transactions. Account # XXXX. I was told that they had no information, and it was indicated that US Bank was closing the account. When I asked why I was told that they had no information and that I needed to go to the branch where the account was opened and speak to the branch manager. I went to the branch where the account was opened ( XXXX  and XXXX in XXXX XXXX ) I was told that the decision had been made and US Bank was closing the account and there was nothing they could do about it. Again, I was given no reason why and was told that the bank XXXX send me a letter of explanation. When I expressed the fact that I had been a customer of XXXX XXXX ( US Bank bought XXXX XXXX ) and US BANK for over 15 years and that I had several accounts ( XXXX, XXXX XXXX etc ) that were paid automatically through my checking account and that closing my account would cause significant problems for my wife and I. 
Her response was basically tough and go to another bank and open an account. 
XXXX & XXXX XXXX -- my SS # 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 2024-03-05 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have been disputing this debt with Credit Acceptance for years. The negative item is reporting on my credit report ( s ) impacting my credit. Credit Acceptance sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.

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 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION
State: VA

Complaint narrative:
I have asked the company to apply the restricted escrow amount to the loan principal amount and recast my loan in XX/XX/2023. The company has sent me an agreement and I paid {$300.00} that they asked and the process went into a black hole since then with a different response from agents whenever I called. I talked to 10s of agents and supervisors to get the amount applied to the principal. Eventually, I learnt that this process is simple and the company has to do an exception process which will take a week from XXXX XXXXXXXX around XX/XX/XXXX and the amount was applied on XX/XX/XXXX. But it took many months and calls to get this accomplished. 

In the meantime I paid more than {$8000.00} in interest ( $ XXXX every month ) and I expect the company to refund this as the interest accumulation is completely due to the process delays and incompetencies. 

While my interest payments and refund was included in my previous complaint, the company conveniently closed the case by applying the escrow amount to pricipal and no mention of the interest payments that I have been making due to process breakdown on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: IL

Complaint narrative:
Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( s ) with any of this company : XXXX XXXXXXXX XXXX  XXXX Inquiry Date- XXXX XXXX XXXX XXXX Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX  XXXX, XXXX, Il XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per , `` 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on 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