vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: Security Credit Services, LLC
State: TX

Complaint narrative:
I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second letter regarding account XXXX and I have had no correspondence back from your company in over 30 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation -Failed to provide proof of your right to own/collect this alleged debt in the state of Texas. -Failed to provide me of the amount of which the debt was purchased/ forward flow agreement. Per the CFPB, I have this right as a consumer. Not only have you ignored my prior requests for validation of debt being that my information was compromised in a data breach, but you also continue to report this debt to the credit bureaus causing damage to my character. Please see the attached data breach results and the True Bill due to your company 's negligence and FDCPA violations. Payment is to be remitted to the address on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX  which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

Thank you for your attention to this matter.

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 2024-11-09 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: GA

Complaint narrative:
I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

Thank you for your attention to this matter.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-09 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: CITIBANK, N.A.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ma XXXX Accounts # XXXX Creditor reference number # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report.

Sincerely; thanks I appreciate.

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My accounts were closed without any reasons. 
I think they were illegal attivities against my accounts

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 2024-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I filed a bankruptcy, and it was complete XX/XX/year>. However, all of the accounts in the bankruptcy are no longer there except for XXXX accounts, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) they are still reporting that I have a high balance on this account, even though they are in the bankruptcy. I have reached out to all these companies ; they tell me that the credit bureaus are not reporting accurately. I call the credit bureaus, and they say they are reporting what the companies report. These items are reporting negatives on my credit report. I want the accounts off my report. I have disputed those account over 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I filed my initial complaint on XX/XX/year> & have yet to hear anything back regarding this matter, but Conns was quick to send the wrong information to XXXX. On XX/XX/year> I received a notification that my Conns account balance increased by the credit bureau {$440.00}. So, I reach out to Conns via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. Conns has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY. I have called several times and advised them to come pick up the merchandise since they want fix my account and falsely reporting to the credit bureaus. They keep saying since Conns is going out of business they can't come get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Ive been trying to get my credit card sent to me since XXXX, but Ive faced nothing but obstacles. Despite following their instructions to send in my ID and a utility bill, which I did by emailing my passport and utility statement, I still havent received the card. Each time I call, they insist I should already have it, yet now they claim there's a block on the card requiring further review before it can be sent. This makes no sense, as they should have sent the card initially without issue.

The customer service process has been incredibly frustrating ; the calls are outsourced, and representatives are clearly reading from scripts, often giving me conflicting information. Ive been told everything from 3-5 days to 7-10 days for delivery, only to later hear the card was never sent or has been closed. Worse, they say they cant escalate me to a higher authority. 

Recently, I discovered that my credit report shows this account as closed, yet customer service says its still open. This companys practices seem highly misleading, and I believe they should be investigated. 

- Applied and Approved for credit card XX/XX/year>, - Sent notification that I have never received my card XX/XX/year> - Sent in the information to change my address for the card on XX/XX/year>, XXXX - They said they couldnt verify my passport so I sent them it again along with my ID on XX/XX/year>, XXXX - Sent them another email with on XX/XX/year>, XXXX - called Friday XX/XX/year> to follow up and they said they didnt receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: OR

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-11-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DLC, LLC
State: NV

Complaint narrative:
Dollar Loan Center has called me numerous times a day from XXXX XX/XX/year> despite me speaking to a representative on XX/XX/year> and on XX/XX/year> when I was forced to speak to a representative because they contacted me at my job after calling my cell phone. On both XX/XX/year> & XX/XX/year>, I asked the representatives to stop calling me. I received another call from them on XX/XX/year> and again asked the representative to stop calling me or contact me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Kashable LLC
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 A 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 written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete all other unkwown addressses they are not correct. I have a inaccurate Social Securty number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX please remove the extra name from my credit report. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Following addresses need to be deleted : 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 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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank checking account. Need access. Phone reps denied existence of and then when transfer was requested, they claimed it went through. Transfer was rejected incorrectly from Citibank. Requesting access

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They closed my account without any comments also charged me unneccessary overdrafts. 
I suspected illegal attivities

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