vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC
State: WA

Complaint narrative:
Bill.com send me an email that my fund will be available XX/XX/XXXX but as of now XX/XX/XXXX I still got no fund from them and no reply after I left messages with them at XXXX and ( XXXX ) XXXX. I think they are based in XXXX outside the US which I don't feel comfortable sharing my personal info with foreigner outside the US. They say that they are in the US but they route all contact to XXXX because I can hear chicken noise background. I think they are lying about their operation is based in the US and keeping personal info in the US. Their virtual assistant doesn't understand questions which is useless. Getting help is impossible with this company and should got red flag for that not following the US banking regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX collector has purchased my debt without written consent. has kept harassing me even thought i have paid debt with original creditor and refuses to remove from my credit history. cease and desist has been mailed to them multiple times they have threatened to come take me to jail. to come to my home and " get what they want '' and have kept calling my phone as well as sending unreasonable amounts of mailed items repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I keep getting a run around that my account was closed due to unauthorized transactions, I want to know which transaction was unauthorized so I do not go through this again in my life as it has been a mess. I have the right to know which transaction caused the issue in which Wells Fargo has closed my account. 

I have been to the bank many times, I did request statements in my previous post and they did mail them but will not tell me which transaction I received was unauthorized which puts me and my business at jeopardy of this happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TX

Complaint narrative:
This is a follow up to CFPB Case Number XXXX Revco Solutions XXXX XXXX XXXX XXXX, OH XXXX Revco Solutions Reference # XXXX. 
Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of $ XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. Providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. 

XX/XX/XXXX Revco Solutions responded stating " In response to your Consumer Financial Protection Bureau complaint, XXXX XXXX XXXX XXXX provided a copy of the Application for Credit with your information and signature as the Applicant. Revco will provide a copy of the Application to you under separate cover. Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' The mentioned copy of the Application for Credit with my information and signature as the applicant has not been received. The Revco CFPB response of XX/XX/XXXX has successfully distracted addressing the wrongful attempt to collect a debt. The debt is still showing up on my credit report and damaging my credit history. 

Sufficient time has now passed for Revco to have provided proof that the debt was mine and they failed to do so on numerous occasions. They have repeatedly been asked to provide this information since XXXX of XXXX. The XXXX mark on my credit remains. 

Revco stated in their XX/XX/XXXX response that " Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' This is not a true statement. 

Basically Revco provided a response on XX/XX/XXXX that was filled with false information to simply close CFPB Case Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I have thoroughly reviewed my records and can confirm that I did not authorize this inquiry. Therefore, I respectfully request that it be promptly removed from 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 non-monetary relief
Consumer complaint received 2024-03-26 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:
No validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Ive been seeing all the information about OneMain Financial, I have a current and previous loan with them. I know for a fact they are overcharging people interest and adding things to our accounts without our knowledge. I took an {$8000.00} loan XXXX years ago, and am still at almost {$6000.00}. It isnt right, and if they would have shown the actual interest, I never would have got this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from Receivables XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/year> Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/year>, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from XXXX  XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : XXXX of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : 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 + XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Auto XXXX XXXXXXXX OF XXXX LA XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX  : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Auto Financing These inquiries were not authorized by me and would like them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have credit monitoring from various services since my identity was stolen someone tried opening a credit card under my name with JPMC. I contacted JPMC of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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