vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX OF XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : Bank XXXX XXXX Account XXXX : **** High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by XXXX XXXX, Unpaid balance reported as a loss by credit XXXX Credit Limit : {$12000.00} XXXX and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau XXXX : Transunion : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
XXXX : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I used the " mail a check '' feature via the Chime Banking app to send a check worth {$56.00} to my insurance. The request was put in and the app informed me that the check would arrive by XX/XX/year>. I got a notification somewhere around XXXX XXXX that the check had been cashed. Unfortunately, I am unable to see when exactly the check was cashed in the app/website. On XX/XX/year> I received a letter from my insurance stating they had not received my payment. Upon speaking with them they requested that I send proof of the check by sending a copy. I called Chime and I was immediately told by the customer service rep that they don't provide a copy of the checks, they could only provide me with my bank statement. I called them back two more times to clarify. They reiterated that they don't keep copies of the checks and can't provide me with anything for proof except a bank statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to Credit Collection Services ( CCS ) regarding an alleged debt of {$200.00}. Despite this, CCS has failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Previously, I filed a complaint with the CFPB about similar conduct by CCS, which resulted in the removal of the account from my records. Despite being under a cease and desist order, CCS has resumed collection efforts without providing the necessary validation for the account. Furthermore, CCS is not licensed to collect debts in Georgia, rendering their collection activities unlawful. 

I have also discovered that CCS has reported inaccurate information on my consumer credit report, causing significant distress and potential financial harm. I have attempted to resolve these issues directly with CCS, including sending a cease and desist letter, but they have ignored my requests. 

I seek immediate cessation of all collection activities by CCS, removal of the alleged debt from my credit report, and compensation for the distress caused by their repeated violations and non-compliance.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I logged on to the website to manage my account online. The website would not allow me to sign up for account alerts. This company never sends me paper or electronic bills. I need to be able to see my account. I called to get help from customer service regarding this and they refused to help me. I asked to speak to a supervisor and they left me on hold or hang up on me. I have called several times today. I have let them know that I have no other options but to file this complaint.

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 2024-07-16 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-16 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX XXXX am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Cc : CFPB FTC States Attorney General

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 2024-07-16 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: PA

Complaint narrative:
I am rewriting to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
Following 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : - 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

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 2024-07-16 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Cc : CFPB FTC States Attorney General

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 2024-07-16 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: NJ

Complaint narrative:
I have sent XXXX previous letters to XXXX, XXXX, Equifax and XXXX, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 
re : XXXX XXXX amount {$130.00} As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
This account not only has NOT been verified and is reporting inaccurately on my consumer report. Equifax has no data for XXXX XXXX is only reporting data for XXXX and XX/XX/year> XXXX is reporting collection status for XXXX all which are inaccurate. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> a check for {$15000.00} was deposited by XXXX XXXX ( located in XXXX NC ) through a third-party, XXXX. The check was approved and paid by Wells Fargo on XX/XX/year>. On XX/XX/year>, the exact same check was again submitted to Wells Fargo for payment. Wells Fargo approved and paid the check and a new {$15000.00} debit was charged to my account on XX/XX/year>. I contacted Wells Fargo and XXXX XXXX on the morning of XX/XX/year> to report the error. Since XX/XX/year>, I have made numerous calls to Wells Fargo to expedite the refund of my money with no satisfaction. Promises were made to refund the money, promises were made to expedite the claim on their end, although no action has occurred. On XX/XX/year>, XXXX ( the third party processor for XXXX XXXX ) confirmed they electronically transmitted the {$15000.00} replacement funds to correct the error of my check being submitted twice and paid twice by Wells Fargo XXXX After receiving this information, I again contacted Wells Fargo today to confirm the receipt of the XXXX refund and again requested an expeditious refund of my money. I was told no refund could be made at this time. I requested a name and phone number for a division executive, vice-president, anyone who would help with this matter and I was told there is no one with a direct line for consumers to contact for assistance. I have spoken with individuals at Wells Fargo from customer service, then the claims assistance center, and finally with a resolution XXXXpecialist within claims. The resolution specialist is the person who refused to provide contact information for anyone above his level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
i sent a letter on XXXX, requesting validation of the alleged debt from this company that i don't owe or never had a contract with and this is what i requested : 1. Original Contract : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt.

2. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor.

3. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account.

4. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.

Company response to consumer: Closed with non-monetary relief