vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Dear LVNV Funding, I am writing to formally request detailed information regarding the account you have referenced as being associated with my credit report. For verification and clarity, my details are as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To ensure transparency and accurate record-keeping, I kindly request the following documents and details : 1. A complete payment history on the account, including all payments made, fees charged, and outstanding balances.

2. Documentation regarding the amount you paid to acquire this debt from the original creditor.

3. A copy of the original agreement or contract that I signed with the original creditor, including my wet signature.

4. Copies of any communication sent to me regard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year> I mail out a letter Disputing inaccurate reporting. They did not respond. 

On XXXX XX/XX/year> I sent out another letter, they responded with verified and accurate witch i requested the procedure used to investigate the info.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo kept opening accounts; charged me with unknown fees, now I find they charged off {$2100.00} and also allowed charges I did not authorize or make

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the accuracy of certain hard inquiries on my credit report. Upon reviewing my report, I identified several unauthorized inquiries that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed immediately as they are inaccurate and not initiated by me.

The following hard inquiries require immediate removal : XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX  Dated : XX/XX/XXXX XXXX ( Bank ) Dated : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Dated : XX/XX/XXXX XXXX XXXX ( Finance ) Dated : XX/XX/XXXXXXXX XXXX XXXX  According to 15 U.S. Code 1681b ( FCRA Section 604 ), a credit reporting agency may only release a consumer report for permissible purposes, such as my explicit consent. These inquiries were conducted without my authorization, which violates my rights under federal law.

I demand an investigation into these inquiries as required under the FCRA. If you are unable to verify that these hard inquiries were authorized, you are legally obligated to remove them from my credit report under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ).

Failure to comply with this request within the legally required 30-day timeframe under the FCRA will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedy.

Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of 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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing about an inaccurate information on my credit report due to identity theif. The collection account in question is credit collection services. I recently this account on my credit report that I did not autherized. 
Section 605B of the Fair Credit Reporting Act ( FCRA ) is a crucial provision for victims of identity theft. This section, often referred to as the " 605B credit block, '' provides a powerful tool for consumers to combat fraudulent information on their credit reports. Here 's a breakdown of its key components : Right to Block : Section 605B gives consumers the right to request that credit reporting agencies block the reporting of information in their file that resulted from identity theft.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This account was closed in 2017 and they have not removed this account. It was paid in full and after several disputes they are not reporting accurately. I would like them to delete this account and a full history sent to me, as previously requested. This account was over 9 years ago and their company is reporting falsely.

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 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
last month i request information from roundpoint mortgage. it has been a few weeks. i requested information on their website so i dont have a form submission date. ive been trying to call but their customer service shuts off when i call. i cant get an operator. i need to know why my mortgage went up so much. escrow was {$110.00} a month and now its over {$900.00} a month.

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 2024-12-15 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Data Breach Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of a recent data breach in which my personal information, including my Social Security number, was compromised. This breach violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681, which protects consumers from negligent handling of personal and financial information.

The data breach occurred through Equifax Consumer Services LLC, which I believe failed to exercise reasonable care in protecting sensitive consumer data as required under the FCRA.This breach places me at serious risk of identity theft and other fraudulent activity, and I am deeply concerned about the potential misuse of my information.

Under 15 U.S.C. 1681 ( b ), entities handling consumer information must ensure the security and confidentiality of consumer data. Additionally, under 15 U.S.C. 1681n and 1681o, entities may be held liable for willful or negligent violations of the FCRA, including failing to properly safeguard sensitive personal information.

Despite my efforts, the breach has caused significant XXXX  and disruption, and I seek your assistance in ensuring that the responsible entity is held accountable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NY

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I checked my credit report and I seen some account that arent mine and a late payment which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: LA

Complaint narrative:
I checked my credit report and I seen some account that arent mine and a late payment which is incorrect.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please update my personal information to : XXXX XXXX XXXX XXXX XXXX MS 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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/2024 I attempted to withdraw {$3300.00} from my Venmo account to my bank account. Routing number and account number was accurate. Venmo even verified said bank account. After this, Venmo told me it would be 2-3 business days until the funds were sent to my bank. The next day I received an email stating that the transaction was " suspicious '' and my account was permanently frozen and the money was to be held for 120 days. I checked Venmos policy on red flag money transfers and I was well within the range of money for a standard bank transfer. I sent numerous emails and disputes to venmo but have heard nothing from their support team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Accounts Request for Investigation under FCRA Section 605B ( 15 U.S.C. 1681c ) Dear TransUnion, I am writing to formally dispute the accuracy of the following accounts reported on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), I request an investigation into the following accounts, which are inaccurately reported or do not belong to me : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts appear to have been inaccurately verified, and I request that you provide me with documentation validating their accuracy or remove them from my report. 

Under the FCRA, you are required to conduct a reasonable investigation and resolve this dispute promptly. I have attached a copy of my identification, proof of address, and a copy of my credit report highlighting the disputed accounts for your reference. 

Please provide written confirmation of your findings within 30 days of receiving this letter. I expect the inaccurate accounts to be removed or corrected immediately as they can not be verified accurately. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2024-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed on my credit report that there are inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I noticed on my credit report that there are inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On the day of XX/XX/2024, I sent letters requesting this debt either be validated or removed. My letters have been returned to sender without any validation, removal, or changes on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
I am not satisfied with Equifax 's response to my closed CFPB XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my Equifax credit report after their XX/XX/XXXX response to the CFPB complaint XXXX. They have violated by right to a accurate consumer credit report and are committing a Willful FCRA Violation. I have spent a lot of time on trying to remove a clearly duplicated collection on my report that has the same amount and the same account number! I want it removed immediately. 

From my report today XX/XX/XXXX : Collections XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1300.00} Needs Attention I have attached the dispute screen in myEquifax that shows an open date of XX/XX/XXXX when they opened the dispute as a result of my CFPB complaint, as well as the closed date of XX/XX/XXXX when it was completed/closed. I also enclosed pages XXXX from my Equifax report from XX/XX/XXXX on the Annual Credit Report website that show the duplicate XXXX XXXX XXXXXXXX. It is clearly still showing as duplicate with one open date of XX/XX/XXXX and XXXX with an open date of XX/XX/XXXX. Both show an update date as XX/XX/XXXX on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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 am very disappointed with Transunion and XXXX, very disappointed with XXXX and Transunion. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in one day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation 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 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 XXXXXX/XX/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 2024-12-15 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: WV

Complaint narrative:
Experian is. Reporting inaccurate and false information on my credit report failed to provide. Means. Of and accurate validation for information reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I completed one of the many offers that Wells Fargo has repeatedly solicited. Aware of XXXX XXXX troubling history of discriminatory practices and credit denials, I included a letter with my application outlining specific expectations and lawful requests for transparency. I clearly stated that I would file a formal complaint if my requests were not addressed. 

On XX/XX/year>, I mailed my application for the Wells Fargo Reflect Visa Card along with this letter, using mail tracking number XXXX. On XX/XX/year>, I received a letter from Wells Fargo dated XX/XX/year>, denying my application with the vague explanation : " We no longer offer credit on the terms for which you applied. '' This explanation completely failed to address my lawful request for a detailed breakdown of the factors, criteria, and data used in their decision. I requested this information to ensure compliance with the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ), including confirmation of good faith and consistency in evaluating my application. 

Despite my efforts to resolve the issue directly with Wells Fargo, they have refused to provide the requested information or reassess my application. Their lack of transparency and failure to comply with these laws have caused me financial Injury due to higher-cost financing options, reputational injury with other financial institutions and emotional Distress, including anxiety and frustration.

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 2024-12-15 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$XXXX} XXXX XXXX  Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX Inquired XXXX XX/XX/year>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