vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: WI

Complaint narrative:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. XXXX is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am not being provided with evidence of the information you are reporting about me is both 100 % accurate and fully verifiable per the FCRA. You can not legally report anything about me if you can not prove it.

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 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to file a formal complaint against [ LVNV FUNDING LLC ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ LVNV FUNDING LLC ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ LVNV FUNDING LLC ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ LVNV FUNDING LLC ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ LVNV FUNDING LLC ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ LVNV FUNDING LLC ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ LVNV FUNDING LLC ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ LVNV FUNDING LLC ] 's actions and take appropriate enforcement action. I request that [ LVNV FUNDING LLC ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
On XX/XX/2024 I engaged with a woman who was selling an expensive piece of used XXXX XXXX on a XXXX site. Wary of scams, I had a phone call with this woman, XXXX XXXX XXXX ( XXXX and XXXX ) and asked for and received additional information from her including video, pictures of the equipment and warranty information. We had trouble with XXXX ( see photos attached ) and I paid {$3000.00} through XXXX to XXXX XXXX ( XXXX ). The woman acknowledged receiving the funds than ghosted me. I never received the equipment. I contacted my bank, California Bank and Trust and opened a fraud claim with XXXX. The first response from XXXX was inconclusive. I then contacted their fraud department weeks ago and have heard nothing. I also filed a report with the FBI. 

Another XXXX member contacted me and told me this same person stole money from them as well ( see attached ). 

Please see attached files of some of our correspondence, including accounts this person uses. I also called and left message on her voicemail and emailed her to no avail.

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 2024-02-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX makes payments via Money Network cards and I have not received XXXX so was instructed to call them. 
I have XXXX phone numbers for Money Network and all of them are automated and you either have to enter your social security number with birthdate or your debit card number. 

I can not reach a human because their automated system does not recognize my social security number and birthday and hangs up. 

I have never received the card so I do not have a debit card number to enter..so the system hangs up. 

I have no way of requesting a card ... since I can not get to a human ... and I have no way of getting paid ... since I never received a card. 

Money Network numbers : XXXX XXXX XXXX XXXX They are owned by Fiserv and they could not help either, other than giving me a phone number that I already had. So they then gave me an email address, XXXX, but no one ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TN

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 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 non-monetary relief
Consumer complaint received 2024-02-17 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:
In accordance with the fair reporting act the list of accounts below has violated my federally protected consumer rights to my privacy and confidentiality under 15 USC 1681. 

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!

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 2024-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I had a CD which matured on XXXX XXXX, 2024. I gave instructions for the maturing proceeds to be wired to my bank account at XXXX XXXX, but those instructions were not followed and the proceeds was rolled over in a CD for another 12-month term. I have made repeated attempts by calling their customer service line over a 2-week period to get them to release my money, but they have refused. They have said only that they would do an investigation and that someone would be following up with me, but they have not. It is now 4 weeks later and I still have not heard from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
These are Fraud Inquires and I never Authorized any of these Inquires. And the companies and Equifax don't care or refuse to remove them. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I changed my method for payment one month prior to the payment online with Capital One and the company billed the wrong account and wants to charge me acquired charges for their error in billing mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TN

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 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 non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am not being provided with evidence of the information you are reporting about me is both 100 % accurate and fully verifiable per the FCRA. You can not legally report anything about me if you can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
On my credit report with Experian it shows XXXX  XXXX with XXXX late payment from XX/XX/XXXX XXXX  with XXXX late payments from XX/XX/XXXX & XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-17 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: AL

Complaint narrative:
The credit bureau has been allowing access to my credit file to various companies without my permission. Once, I was made aware of this situation, I elected to file a freeze and fraud alert on my credit file. 

I have asked the credit bureau to remove these erroneous inquires immediately to no avail of any cooperation on their part. 

Therefore, I am filing this request with your agency to enforce the FCRA rules and regulations with the credit bureau to correct my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: MI

Complaint narrative:
Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Experian XXXX Experian

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 2024-02-17 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2023 a hard inquiry from lift fund parent was filed on my credit report that I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 Navy federal Credit union was filed on my credit report and I did not authorize this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I was determined XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed this situation through the XXXX credit reporting agencies where my info was updated but not omitted thus negating any ability for me to restore my credit. 
I have exhausted all my options with Experian : forbearances, refused forgiveness, and threatened that my XXXXI may be seized.

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 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To Whom It May Concern, I paid {$1100.00} with Sams Club XXXX XXXX for a round trip ticket for my mother from XXXX  on XX/XX/2023 and the service wasn't done on the due date XX/XX/2023. I waited until that date as I had paid for to confirm the flight for my mother, but the travel agency failed to do so and kept on canceling the flight ticket. Then XXXX called me on that day in the morning, and told me that the XXXX XXXX XXXX XXXX didnt pay for the return flight back to the XXXX and they also told me to talk to them. So we proceeded to call XXXX XXXX ( XXXX XXXX XXXX XXXX ) and no one bothered to answer the phone. So as a result, my mother was unable to return home on that designated day and time. What I did next was buy t another flight ticket of {$720.00} XXXX mastercard on XXXX XXXX so my mother could return home to the states. We bought the flight ticket directly from XXXX this time because we didn't want to get scammed again from another XXXXXXXX XXXX XXXX  This caused me to waste more money because XXXX XXXX was supposed to do their job by giving my mother the accurate return flight ticket. As I mentioned previously, XXXX XXXX charged me for a round trip ticket, not a one way ticket, and they pretty much tricked us by selling us a one way ticket instead of the round trip one. If i would have known that XXXX XXXX were a XXXX XXXX XXXX XXXX i would have never bought a flight ticket from them to begin with. I fell victim to their lies and scamming, and will never ever do any business with them in the near future. 
XXXX XXXX has scammed us of money and as a result this has made me very depressed and stressed out. It has been very hard to sleep at night and to complete my day to day activities knowing that they scammed me of money and that the credit card company still continues to not help me and tells me to sort out the issue with XXXX XXXX. As I mentioned in the previous paragraph, I will never purchase another flight ticket from them again. 
This XXXX XXXXXXXX XXXX XXXX also told me that they signed an agreement with me but how is it considered an agreement when they did not complete the job on their end of the bargain by bringing my mother back to the XXXX. I don't want my hard earned money falling into the hands of scammers, so I ask you to please help me and dont give these criminals my money. 
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 monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. 

It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file and asking for a for an investigation into the account. 

I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MS

Complaint narrative:
I am formally writing this complaint because today after reviewing my EXPERIAN INFORMATION SOLUTIONS consumer disclosure reports, I noticed the inaccurate accounts I filed an initial complaint about came out of dispute on XX/XX/2024. I have reason to believe that EXPERIAN has disputed these accounts upon receiving the initial complaint from the CFPB. I demanded in my most recent complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTION 'S errors and the previous notice of dispute letters I mailed to EXPERIAN demanding that they remove the accounts for failure to correct inaccurate account information. EXPERIAN INFORMATION SOLUTIONS did not comply. They have violated the FCRA 1681i ( 5 ) ( a ) ( 1 ) ( 2 ) because they did not remove the accounts only to not remove but to verify as accurate the same accounts that were I demanded to be removed. EXPERIAN has verified and updated an account with XXXX XXXX XXXX that is still inaccurate. They have updated an account with XXXX which is now an incomplete account, and EXPERIAN still did not remove the inaccurate account from XXXX XXXX XXXX that is still being reported inaccurately. I want these accounts removed. The accounts in question are all still being reported inaccurately. EXPERIAN is practicing unfair credit reporting.

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