vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MD

Complaint narrative:
This is the original text " This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) account. Visit portal-XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC will not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. SOG Ref # XXXX Reply STOP to opt out. '' I have received some version of this text on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX [ in this text they provided me with an amount XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I have not had a XXXX XXXX account for at least 20 years and even then I don't believe I have had one. Also I have never received any mail at my address. I will not contact this company because I believe they are trying to commit fraud. XXXX XXXX said they have no record of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the smoke shop on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to shell gas station 2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers. 

Ive submitted to appeals, and they have denied both stating I did not provide enough information. If there calls are monitored and recorded, they would hear the conversation I had with the representative when my account was flagged for fraud. 

I submitted a valid police report and other supporting documents and they are still stating they did not have enough information. Im not sure what else they want me to provide. Ive called multiple times and attempt to find out what steps were taken in the ruling of denying my appeal and was informed that they can not provide me with a copy of the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
Dear Equifax Consumer Assistance, Subject : Request to Remove Public Record from Credit Report I am writing to request that you remove the public record listed on my credit report, which was disputed by me in XXXX and denied by your company. The record in question is XXXX XXXX XXXX XXXX XXXX ( XXXX  ) As you are aware, I disputed the accuracy of this information in XXXX, and I received a response from your company stating that the dispute was denied on XXXX. However, I was surprised and disappointed to see that the record remained on my credit report without any notation indicating that I had disputed it. The Fair Credit Reporting Act ( FCRA ) requires that creditors and consumer reporting agencies like Equifax provide a clear and conspicuous notice to consumers when they dispute information on their credit reports. 

Section 609 ( e ) of the FCRA states that " a consumer reporting agency may not furnish a consumer report containing a description of a bankruptcy petition or proceeding if the consumer has disputed the accuracy of the information with the agency and the agency has failed to verify the information. '' Since your company failed to verify the information and did not provide a notation indicating that I disputed it, I believe that you are in violation of this provision. 

Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires that consumer reporting agencies like Equifax maintain reasonable procedures to ensure that the information contained in their reports is accurate and complete. Your failure to remove this disputed record from my credit report despite my dispute demonstrates a lack of reasonable procedures in place. 

Therefore, I am requesting that you remove this public record from my credit report immediately. 

I would appreciate it if you could take immediate action on this matter. Please confirm in writing within 30 days whether you will be removing the record. If I do not receive a satisfactory response, I will be forced to seek further action to protect my rights under the FCRA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 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: FL

Complaint narrative:
This account is the result of identity theft and was removed from my credit report on XXXX XXXX XXXX under the name of the original creditor ( XXXX XXXX ). The account numbers are ; XXXX and XXXX. I have contacted the company ( LVNV Funding ) and notified them that this account does not belong to me. They continue to harass me, attempt to collect a debt that does not belong to me, and report negative information to the credit bureaus. I have sent them a copy of my FTC report. They are reporting that this information is accurate and verified. I have yet to receive PROOF. I would like this company to cease all communications and remove any markings from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I recently checked my credit report an saw accounts I dont recognize

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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.

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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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:
I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with ( XXXX, XXXX XXXX, XXXX DESTINY, CAPITAL XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX, PROF XXXX CO, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had fraud reported on my card XXXX for several purchases totaling {$1200.00}. I called that evening to report the fraud, they closed the card and sent me a new one. on XXXX I noticed there were purchases I had made that day that were not showing in pending yet and was told they would show up and continue to go through since they were approved on the card prior to the card being closed. The next day, I saw authorized charges from the prior day that were not showing the night before, but there was also an unauthorized charge for {$26.00} for XXXX that I called immediately and they said they would add it to the original fraud claim. I saw the {$1200.00} unauthorized purchases were credited back on XXXX, but the {$26.00} was not. I called Wells fargo and they said it would take the full XXXX days and to call back if I didn't see it credited. I called again on XXXX as the credit still was not processed. I was told by the rep that the {$26.00} payment was authorized on the old card, but posted to the new card, so then I was transferred again to fraud team- I was told by fraud team that they could not credit my {$26.00} without sending me ANOTHER new card ( I have already received a new card and had to change XXXX autodraft payments )- it seems like there would be a process of returning or providing credit for an unauthorized purchased on an old card even if they post the next day instead of having a client have to have XXXX new cards mailed out. I was told by the customer rep that we had no choice, that was their process. I asked to speak to a XXXX and was on hold for XXXX minutes and then was hung up on. Wells fargo 's inability to make a common-sense exception beyond their policy and lack of customer service is extremely frustrating- they could see that this payment was authorized on the old card, so to have me jump through hoops to get another new card and change XXXX autodraft payments for a second time and then hang up on me without any resolve is completely unacceptable and unbelievable.

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 2024-07-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I received an American Express online gift card on XX/XX/XXXX in the amount of {$500.00}. I have tried to use it in store, online, and at a gas pump, all with no success. When I log in to view the card, it says each transaction was declined because it was missing a security code, but I entered the security code each time, so this does not make sense. When I called today, on Tuesday, XX/XX/XXXX, the automated system said that the retailer didn't require a security code, and I would have to choose somewhere else that required a security code in order to make a purchase, but this is not true. They have all required security codes, and I have entered the security code that was on the front of the card. 

Here are the failed transactions listed below : XX/XX/XXXX - I tried to add it to my XXXX account, but it would not work as a payment source. I removed it, but it kept XXXX cents. 
XX/XX/XXXX - I added the card to my XXXX and XXXX pay apps, since I read that was the only way I could use them. 
XX/XX/XXXX - I tried to use the card on my XXXX XXXX app to purchase fuel at the XXXX gas pump XXXX separate times, but it was declined each time saying " missing security code '', but I entered the security code in the app when loading the card as a payment source. 
XX/XX/XXXX - I went into the XXXX grocery store to see if I could make an in-store purchase, but the card was again declined. The American Express site continues to say " missing security code ''. 
XX/XX/XXXX - I tried to make an online purchase at XXXX through the pick-up system, since this would allow me to use the card online, but it was also declined, saying " '' missing security code '' again, but I entered all the card information when I loaded the card as a payment source, which included the security code. The system took XXXX cents. 
XX/XX/XXXX - I tried to complete an online XXXX order, but again the transaction was declined, saying " missing security code ''. When I entered the card information as a payment source, I also entered the security code. 
XX/XX/XXXX - I tried to complete a purchase with online retailer XXXX XXXX, but the transaction was declined with no reason provided. 

The card site says I must shop somewhere that required all the card information including security code, but I have entered the security code each time because each retailed has required it, and the card is declined saying it is missing, and the automated phone system told me the retailer didn't require it, which is not true. 

So, basically, I have a {$500.00} card that is not useable anywhere. XXXX cents has been taken on these attempted transactions, and I have not been able to get anything from it. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/year> I Requested a Lowes Credit Card. LoweXXXX issues Credit cards through Synchrony Bank and they denied the Credit Card, but did not give a reason. They said they would send a letter in 10 days explaining their denial. 
I had to unlock my XXXX Credit Score account just to apply. It will lock again on XX/XX/year>. On XX/XX/year> My XXXX credit score was XXXX. I called and asked why it was denied and they said they could not tell me and the letter might take as much as 30 days to get to 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