vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/year> XXXX Dispute XXXX  was supposed to dispute this fraudulent activity and they did not take it off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I am writing to dispute an inquiry appearing on my credit report dated XX/XX/year>, from " JPMCB CARD SERVICES ( Bank ). '' I do not recognize this inquiry, nor did I authorize any credit application or transaction with this institution around that date. 

Please investigate this matter and remove the unauthorized inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: OH

Complaint narrative:
I have noticed some incorrectly reported late payments on my credit report which I have always maintained on time payments. consumer reporting agencies have to report accurate information and this information is not accurate. I've made on time payments and have made large payments to pay off and close this account early which has happened all on time. I urge you to provide evidence of these being late and if you can not I want these late payments reversed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a lot of inquiries on my credit that I don't recognize. I'm paying for a Citibank card and it's in common agreement with the Macy 's card that is also being paid and continues to report bad credit.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding the imposition of XXXX {$35.00} overdraft fees, totaling {$70.00}, on my account, despite my adherence to the banks communicated grace period. I believe these fees are unfair and were applied due to inconsistent and misleading policies involving time zones and transaction posting practices. 

Details of the Incident : On XX/XX/year>, I received a notification from Wells Fargo at XXXX XXXX  XXXX, informing me of a XXXX grace period to bring my account to a positive balance. The notification stated that the deadline for this grace period was XXXX XXXX  XXXX  on XX/XX/XXXX, differing from the banks general policy that aligns deposit cutoffs with my local time ( MST ). 

To meet the deadline, I deposited funds at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, which is equivalent to XXXXXXXX XXXX XXXX successfully bringing my account to a positive balance. However, despite this, XXXX overdraft fees were charged at XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

Key Points of the Complaint : XXXX. Inconsistent Time Zone Usage : Wells Fargos standard policXXXX aligns deposit cutoffs with my local time ( XXXX ), yet the grace period deadline was communicated in XXXX. This discrepancy led to confusion, as I reasonably assumed the grace period would follow the same XXXX cutoff typically applied to deposits. 


XXXX. Acknowledgment of Positive Balance : During a conversation with a second-level supervisor, they confirmed, Your transaction was posted at XXXXXXXX XXXX  XXXX, verifying that my account was in positive standing before the overdraft fees were applied. 


XXXX. Contradictory Posting Policy : The same supervisor also stated that Wells Fargo posts overdrafts at XXXXXXXX XXXX indicating that even if I had met the grace period deadline, the policys application would have resulted in an overdraft fee, creating an unfair system where meeting the deadline still incurs penalties. 

Also XXXX things should be noted : XXXX ) At the time of deposit the deposit was fully posted and AFTER the overdrafts were added to the account the deposit shifted statuses and became " XXXX '' thus showing Wells Fargo munuplated the order of charges to benefit them and not the consumer. XXXX ) XXXX or XXXX, the second-level supervisor was rude and sarcastic and needs immediate customer service training.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: GA

Complaint narrative:
Repeated calls before XXXX. Was not sure why this kept happening. They then called someone that I have no relations with ; but they reached out to me saying that they were asking for my name. However I have never received a notice from Rash Curtis and Associates to my knowledge. Never in writing no mail regarding my past due balances. I asked for validation of credit debt and they were unable to confirm as they were not able to confirm my identity even though I provided my name and in turn the person on the phone told me have a good day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) (
1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: VA

Complaint narrative:
I was threatened with a court summons for a debt that I never had a contract with this company with. I am requesting they remove this from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
will start with the fact that Im a XXXX veteran with a service connected XXXX along with a Social Security income XXXX. I receive a direct deposit to this AXOS Bank three days before the first of the month every month. XXXX benefits comes to {$1700.00} and Social Security direct deposit comes about the same day usually but later in the day which is always $ XXXX had a settlement of almost {$25000.00} cause I got hit by a bicycle. It went into the bank. I put it in savings. Well, just recently I took {$2100.00} from my savings to my checking account on XX/XX/year> to use the money to rent a XXXX foot XXXX  to go from XXXX  to XXXX XXXX which I leave tomorrow. I used a debit card on the XXXX and spoke to the woman over the phone which XXXX can confirm plus they sent me a transaction receipt. The money was taken from my debit card instantly and from the account. This XXXX was paid for before either of those showed up on my bank account. Besides, I had removed the money from my savings to use it for this and I have screenshots to prove that. They have refused to give me the disability benefits completely trying to say that that money was used for the XXXX I have screenshots of everything. That money just vanished and Im absolutely positive after doing a little basic accounting. If you look at my bank statement for this month, which I downloaded, it doesnt add up. The second problem is almost every night they do this thing called Night Processing which most of the time if its happening and you try to use your card or the money that belongs to you, they wont let you and you have to call and complain. I was in the freezing cold one day for five hours trying to get a hotel room and I couldnt because they did that. This bank needs a really deep investigation because this makes no sense to me whatsoever how they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Specifically the requested assignment contract chain and any other requested information. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verif
ication as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Paid a local individual for car repair services. He provided a few repairs for my wife and my car. Then he asked for {$140.00} to get a part locally for another repair but didn't provide part or install it. He also asked for advances on money for the services to do the repair involving the {$140.00} part. Advanced {$200.00} to provide money for his XXXX XXXX XXXX and {$200.00} for his broken alternator. He then blocked me. Wife contacted him and he was talking to us and then hung up and said he did nothing wrong and wasn't going to deal with us. He never provided repair, kept {$400.00} in service fee advances and {$140.00} for XXXX  XXXX XXXX XXXX XXXX. These were paid by cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-10-31 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  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 am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from XXXX. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Date : XX/XX/year> Subject : Request for Permanent Deletion of Disputed Information from ChexSystems Report Dear Consumer Relations Team, I am writing in response to your recent communication regarding the reinvestigation of information previously deleted from my consumer report. The initial removal of these items acknowledged their unverifiable status or expiration of the retention period, which supports my position that they should not have been reinserted into my file.

Grounds for Deletion and Compliance with FCRA Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ), consumer reporting agencies must permanently remove unverifiable or obsolete information from a consumer 's report if the source can not fully substantiate its accuracy. Since this information was previously removed due to unverifiability or retention period expiration, its reinsertion is inappropriate without conclusive new documentation verifying its accuracy.

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