vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX, XX/XX/2024, I got a call from XXXX XXXX phone number ( XXXX ) said that someone stole {$XXXX} from my checking account. He walked me through every steps to get my money back. At first, he told me to go to my keypad and typed in a line of numbers. After that, my phone went grey and I think he has access to my phone because he could see what I was doing on the phone. He told me to type in the name, address and rounting number. He told me to click transfer, and I lost {$XXXX} instead of getting it back. I realized he was a scammer right away and called XXXX XXXX to cancel my transaction and file a claim. I also went to a XXXX XXXX branch and talked to the banker to figure out what was going on. They said they will try to get my money back for me. I also filed a police report to make sure that I got help right. I hope that you can help me get my money back because it was clearly I got scam from XXXX XXXX phone number.

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 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX LLC concerning their handling of a debt that I do not own. I believe XXXX XXXX LLC is in violation of my federal rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received a notification from XXXX XXXX LLC regarding a debt allegedly in my name. However, this debt is not mine. Despite my attempts to communicate with them, XXXX XXXX LLC did not provide me with timely notification of my right to dispute the debt, as mandated by federal law. This delay has hindered my ability to address the situation promptly and has caused unnecessary stress and concern. 

According to the FDCPA, debt collectors are required to notify consumers of their right to dispute the debt within XXXX days of the initial communication. XXXX XXXX LLC has failed to meet this requirement, thereby violating my rights as a consumer. Additionally, their continued attempts to collect on this disputed and unowned debt are further compounding the issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX XXXX LLC ceases their collection efforts on this invalid debt. Furthermore, I request that my credit report be corrected to reflect the accurate status of this debt, removing any negative marks associated with it. 

I appreciate your attention to this urgent matter and look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern, On day XX/XX/2024, I looked at my report. I sent a letter to Experian on day XX/XX/2024 and here is my tracking number : XXXX asking them toreinvestigate these accounts : XXXX XXXX XXXX XXXX, sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation

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 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
As a result of these violations, I require the deletion of all these collection accounts from my credit report.

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 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/year> I scheduled a payment for my student loan payment that was due on XX/XX/year>. I scheduled the payment to be processed for XX/XX/year>. On XX/XX/year> the money was withdrawn from my account. Today, XX/XX/year>, I receive an email from XXXX reminding me that my payment is due on XXXX. I thought to myself that is odd since I already paid it. I try to log into their website and nothing is there - literally nothing- except a note that Im  transitioning to their new platform. I go make an account on the new platform and sure enough it says I owe for XXXX ( again this has already been paid ), there is XXXX payment history. So now what are my options? Hang on the phone with them for hours while I need to be working Monday! Send another payment - which I dont have - so I dont get delinquent even though I ALREADY PAID - and then hope they resolve this and I get refunded. I mean this is ridiculous. I dont have an extra XXXX dollars to make a second payment because they cant manage their loans. I am either going to have to miss a credit card payment this month or take it from XXXX so either way its costing me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX refuses to reach out to XXXX XXXX to justify why they charged me an extremely inflated price on XXXX airline tickets that were already bought and paid for. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I said to them to review and delete all inaccurate reports on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On XX/XX/year> I went into XXXX XXXX XXXX in XXXX, XXXX  and spoke to a representative about possibly getting a small payday loan, but they told me they only do loan amounts over {$XXXX}. At that point I told the representative that I was no longer interested and left the store. The employee had asked for my ID, but eventually gave it back once I said I was not interested any longer. I NEVER GAVE THEM PERMISSION TO PULL MY CREDIT ( SOFT OR HARD ) nor did they tell me they were going to do this. I had received an email saying there was a new hard inquiry pull on my XXXX XXXX and when I called XXXX XXXX  to ask why they did this, the XXXX told me she wasn't quite sure why they pulled my credit, and I would have to dispute it through the credit bureaus, in order for it to be taken off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: OR

Complaint narrative:
XX/XX/2023, I was involved in an auto accident while in XXXX. The other driver was at fault, which is documented in the police report. We were both insured by XXXX. I was driving a rental vehicle from XXXX group. XXXX took care of the accident as the other driver and I were fully covered. XXXX group incorrectly wrote the vehicle off, and is stating there is a balance of {$XXXX}. XXXX is stating no additional amount is owed, and this is a error of XXXX. When I had contacted XXXX, they had stated the situation had been resolved and I had nothing to be concerned about. I received a letter from a debt collector, XXXX XXXX XXXX , LLC stating they are collecting the {$XXXX} amount. I have contacted XXXX third party collision team, XXXX and they are unresponsive. XXXX is stating this is incorrect, and XXXX has incorrectly written the accident off. XXXX stated to not communicate with the debt collector, XXXX XXXX XXXX , LLC and has contacted them as well that this debt is illegitimate. XXXX XXXX XXXX , LLC is refusing to review the claim and keeps contacting me aggressively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I said to them to review and delete all inaccurate reports on my credit reports.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Due to these violations, I demand that you update the payment status of these accounts to " Paid as Agreed '' and remove the late remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( 1 ) states : 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.

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 2024-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received notification my XXXX XXXX XXXX XXXX XXXX # XXXX ) was denied due to Bankruptcy. This information was derived from XXXX reporting agency on XX/XX/XXXX. If due diligence was conducted on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX the banking institution should have noticed my bankruptcy was XXXX on XX/XX/XXXX. I disclosed this fact on my initial application ( XX/XX/XXXX ). At no time was I notified by the loan application verbiage and loan informational pamphlets provided to me by XXXX  that having a Bankruptcy was a factor to deny credit. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX ( XXXX XXXX - XXXX # XXXX ) my loan proceeded ahead to the Underwriter and would take about XXXX days to process credit review. 

I recently purchased another home on XX/XX/XXXX ( XXXX Mortgage ) and refinanced my rental property on XX/XX/XXXX ( XXXX Mortgage ), financed XXXX vehicles, opened XXXX credit card, opened several installment accounts after my bankruptcy discharge date and during the 7 year reporting period for all credit agencies to report bankruptcies to financial institutions. Lastly, all of my debts to XXXX  were paid in full during my Chapter XXXX discharge ( XX/XX/XXXX ) and since then I have been denied credit by NFCU on several previous credit applications. 

I would like to know what makes XXXX different from other financial institutions approving loans after my bankruptcy discharge while XXXX denied my XXXX loan application which would be secured by my rental property? How many other XXXX  consumers have been approved for loans after filing for Chapter XXXX Bankruptcy? Lastly, I've been a faithful member of XXXX  since XXXX ; I use XXXX as my Primary Banking source to include processing all of my payroll direct deposits.

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 2024-06-02 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: WI

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In light of these violations, I request that you revise the payment status of these accounts to " Paid as Agreed '' and eliminate the late remarks 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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to remove incorrect information 15 USC 1681 SEC 611 :

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to remove any inaccurate information 15 USC 1681 SEC 611 :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Called to get my account number and was not giving the info.. I've not set up a account with this company and wasn't notified on this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to remove inaccurate information 15 USC 1681 SEC 611 :

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 2024-06-02 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: NJ

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-06-02 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: CarMax, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting an incorrect name on my credit report. The credit report is showing " XXXX XXXX ''. But my only name is XXXX XXXX. Credit reporting agencies have a duty to report only accurate information. Otherwise it violates my consumer rights.

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 2024-06-02 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: WI

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation