vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX, XXXX, PA XXXX. 

Re : Dispute of Charge-Off Account XXXX XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX XXXX under the account referenced above . I assert that the information you are reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. 
Additionally, I am aware that XXXX XXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form 1099-C, Cancellation of Debt.

Under the Internal Revenue Code, a 1099-C form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable.

Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : 1. Proof that I owe the alleged debt.

2. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy.

3. The date of charge-off and the reason for the charge-off.

4. Any documentation of a 1099-C issued in connection with the debt.

If this information can not be provided within the legally required 30-day time frame, I request that you immediately remove this entry from my credit report.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. 
Please confirm that you have received this dispute and provide a resolution to this matter within 30 days of the date of this letter.

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 2025-02-28 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: CA

Complaint narrative:
I have asked Experian to remove an inaccurate account off of my credit. They said it came back verified but didnt provide any proof. I am writing to address a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which pertains to civil liability for willful noncompliance they are continually reporting that I owe XXXX XXXX XXXX an outrages amount of money. They have not stopped the original creditors address or information or a contact that I have with them. Please remove this information as it is hurting my credit history. Please remove this negative information immediately. There is no way they really investigated that fast this is illegal

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 2025-02-27 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: CA

Complaint narrative:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXXXXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
As stated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), consumer reporting agencies are required to maintain accurate information in consumer reports by following reasonable procedures to ensure maximum possible accuracy. In my case, XXXX has failed to meet these obligations by reporting an inaccurate collection account from LVNV Funding LLC under the account number XXXX. This account is erroneous and violates these procedures, as it remains despite being disputed and despite LVNV Fundings well-documented history of unlawful reporting practices.

In addition, 15 USC 1681i ( 5 ) clearly states that if a consumer disputes an item and the credit bureau can not verify the information as accurate, the bureau must promptly delete or modify the entry. This was not done in my case. Furthermore, XXXX did not notify LVNV Funding that this information was disputed and unverified, which is required by law.

15 USC 1681s-2 prohibits any party from reporting information to a credit reporting agency if they know or have reason to believe it is inaccurate. The continued reporting of this collection account from LVNV Funding, despite my disputes and the companys unlawful history, directly violates this provision. 

Moreover, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of consumer information if the party knows or should reasonably know that it is inaccurate. This account has been repeatedly disputed, yet remains on my report, which demonstrates a failure by both XXXX and LVNV Funding to comply with federal law. 

This pattern of inaccurate reporting and failure to investigate and correct errors is unacceptable. Please investigate this matter thoroughly and take the necessary corrective actions to comply with federal law. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: WA

Complaint narrative:
Dispute about my credit report inquiry I am writing to report many UNAUTHORIZED credit inquiries on my part. 
On XX/XX/year> I have a consultation from CAPITAL ONE On XX/XX/year> I have a XXXX consultation On XX/XX/year> I have a query from XXXX XXXX XXXX I recognize myself as a victim of identity theft and would like it removed from my credit report. 

Please investigate this matter and remove the disputed credit inquiry as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the company to file the complaint they posted violating section FCRA 623 ( a ) ( 2 ).

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I deposited a {$50000.00} check written to me on a XXXX account on XX/XX/XXXX to my Wells Fargo personal checking account. The check is written by my partner and XXXX cleared the check on XX/XX/XXXX and my partner sent me a screen shot of his XXXX account showing the {$50000.00} sent to WF already. However, WF refuses to make the funds available in my account till XX/XX/XXXX without giving any explanations. For me, holding deposited funds without any reason or explanation is a financial and banking fraud that needs to be investigated by regulators.

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 2025-02-27 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: TX

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Discrepancy : TransUnion reports {$14000.00}, while Experian reports XXXX XXXX. 
Charge-Off Date Conflicts : TransUnion : XX/XX/year> Experian : XX/XX/year> Closing Date Issues : TransUnion : XX/XX/year> Experian : XXXX Closed Date. 
Balance Reporting Error- If the balance is SO on Experian, the account must not report as a charge-off.


Date Discrepancies - The last activity dates do not match, which violates FCRA 623. Metro 2 Compliance Issues - The charge-off status is inconsistent, making the account invalid.

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 2025-02-27 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: TX

Complaint narrative:
I reviewed my credit report and observed the presence of fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover credit opened without my knowledge in XX/XX/XXXX ACct # XXXX I was born XXXX I called credit company they say it was a mistake on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy Cash withdrew money from my bank account by cashing a check that I did NOT authorize, sign, or provide to them. I had taken out a loan with them, but at no point did I give consent for them to create or deposit a check on my behalf. 

I discovered this unauthorized transaction when I checked my bank account and saw the check they had processed. I immediately contacted my bank. After disputing the transaction, I was able to get my money back, but this should have never happened in the first place. 

This was an unauthorized withdrawal and a fraudulent action on their part. I am filing this complaint to report their deceptive and predatory behavior so that it does not happen to anyone else. Speedy Cash should be held accountable for these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00}

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 2025-02-27 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: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : Request for Removal of Inquiries from Credit Report Dear TransUnion Customer Service, I am writing to formally request the removal of all inquiries listed on my credit report. My full name is XXXX XXXX XXXX, and the last XXXX of my Social Security number is XXXX I have reviewed my credit report and found several inquiries that I believe should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c.

According to the FCRA, inquiries that are not made for a permissible purpose or that are not authorized by me should not remain on my credit report. Additionally, I understand that inquiries should only remain on my report for a period of two years. If any inquiries exceed this timeframe or were not authorized, I request their immediate removal.

Please investigate this matter and remove any inquiries that do not comply with the aforementioned regulations. I have enclosed a copy of my credit report highlighting the inquiries in question for your reference.

I appreciate your prompt attention to this matter and look forward to your response. Please confirm the removal of these inquiries in writing at your earliest convenience.

Thank you for your assistance.

Sincerely,

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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA regarding their failure to resolve my disputes over unauthorized charges on my Apple Credit Card. Despite repeated attempts to dispute these fraudulent charges, the bank has failed to comply with the Fair Credit Billing Act ( FCBA ) ( 15 U.S. Code 1666 ) and has unfairly held me responsible for unauthorized transactions. The disputed charges are as follows : {$840.00} XXXX ( XX/XX/XXXXXXXX  ) {$450.00} Unauthorized Transaction ( XX/XX/XXXX at XXXX XXXX  ) {$69.00} XXXX XXXX ( XX/XX/XXXXXXXX  ) I promptly notified Goldman Sachs of these unauthorized charges and engaged in multiple discussions with their customer support team. I was assured my account would be monitored for 21 days ( Ref # XXXX ), yet I was recharged for the same fraudulent transaction. 

Despite my formal dispute letter sent on XX/XX/XXXX, Goldman Sachs has wrongfully claimed that I am liable for these transactions, alleging that merchandise was delivered or services were rendered. This is factually incorrect, as I never received any services or goods associated with these charges. Furthermore, I was informed that XXXX provided documentation of ticket delivery, but I never received any such email, making it impossible for me to prove a negative. This is an unfair burden placed upon me as the consumer and a direct violation of my FCBA rights. 

Additionally, upon Goldman Sachs sending me an alleged itinerary as proof, I recently discovered that the email mentioned on the alleged itinerary that they sent me, claiming it was mine, was strategically altered and different from my actual email address. This misrepresentation raises further concerns about their investigation process. Enclosed is documentation highlighting this discrepancy. 

Certified Mail. date Received by Goldman Sachs : XX/XX/XXXX Confirmation of receipt by Goldman Sachs further supports my claim that they were properly notified and failed to resolve the dispute in accordance with federal regulations. 

Resolution Sought : I demand the following immediate corrective actions : A full refund of {$840.00} and {$450.00} for the unauthorized charges. 

A formal and unbiased investigation into these fraudulent transactions. 

Compliance with the FCBA, ensuring that I am not unfairly burdened with proving a negative. 

Immediate cessation of negative reporting of these charges to credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ). 

Goldman Sachs ' refusal to resolve this matter violates federal consumer protection laws. I request CFPB intervention to ensure my rights are upheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX and associates called my place of work, a lady by the name XXXX claiming to be an attorney at a law firm and stated my wages would be garnished and my credit would be damaged if I didnt pay {$8400.00} over an extended period of time or 40 % today which is {$3300.00}. I asked for proof to be sent to my email and they sent me a validation of debt letter. Below is the information of the alleged company. 

XXXX XXXX XXXX XXXX / XXXX XXXX / CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation