vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Collector cant provide the original signature of purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The balance on this account is incorrect, as the balance should be XXXX as of XX/XX/23.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The inquiries were not authorized by me and I firmly believe they are fraudulent. I urge you to conduct a thorough investigation and promptly eliminate them 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
ive tried to pay my XXXX XXXX card three months ina. row while i am always told they cant take my payment but zwicker and associates is taking it. and then, when I am transferred, I am told that they can not access my account or receive payments from my account unless I emailed them and some other company releasing my information to them but they doesnt seem necessary or even legal bc if they had the legal right to collect on this account or XXXX XXXX why would i need to email a collections agency asking them to collect on my file?? 

I have now tried for three months to make payments on this account, and as a result of them, not taking a payment and making it impossible for me to make a payment I now have a charged off account as well as 3 new late payments on my credit report and then continue to report late as they continue to not accept my payment. This account shouldve been paid in full in XXXX and remove completely. Instead my credit continues to suffer. American Express is who own the account and if they sold it to someone who cant take my payment how am i supposed to pay it??? and XXXX months now of late payments has destroyed what hope i had to fix my credit. 

their answer is always to call but they do not help nor take payment when i call. again im stuck trying to pay and they wont take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This company continues to report false information regarding the status of my credit line with them. My payments with them are due on the 4th of every month for a total of {$340.00}. 

The XXXX payment due on XX/XX/XXXX was made on XX/XX/XXXX. Yet not only was it reported 30 days late with 10 business days left in the cycle, but they also then added the next month 's payment to it and reported the total due for XXXX as {$770.00}. How can you make next months payment due before the current month has even passed? 

Payments made in XXXX : {$380.00} - {$36.00} more than the payment due {$31.00} as a payment to cover late fees, which if I am correct arent even supposed to be reported. 

XX/XX/XXXX payment was made on XX/XX/XXXX for {$340.00} again before the end of the 30-day reportable period and for more than the balance due. 

At this point, it seems the only thing this company will understand is punitive damages as they appear to have no fear of action by the Consumer Financial Protection Bureau ''. 

This relates to previous reports filed with your agency XXXX Wells Fargo 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 2024-03-14 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX and XXXX and EQUIFAX and asked for them to investigate and remove the inaccurate accounts from my consumer report that they are ILLEGALLY Reporting and I requested specifically the alleged original application bearing my WET SIGNATURE and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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 SENT THIS THIRD-PARTY COLLECTION AGENCY BELOW XXXX CERTIFIED LETTERS AND I ALSO SENT XXXX CERTIFIED LETTERS TO ALL XXXX  CREDIT BUERAS ASKING THEM TO VERIFY THIS DEBT THEY SAID I OWE BUT I HAVE NOT GOTTEN THE CORRECT INFORMATION VERIFYING THE DEBT BACK FROM NEITHER XXXX OF THEM, SO THIS COLLECTION DEBT SHOULD HAVE BEEN DELETED OFF ALL XXXX  OF MY CREDIT REPORTS, HERE 'S THE LAST LETTER I SENT XXXX MONTHS AGO ALONG WITH THE ACCOUNT NAME AND ACCOUNT NUMBER BELOW. 

XXXX XXXX  + XXXX XXXX Original Creditor Name : XXXX XXXX Original Creditor Address : XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter in regard to the account : XXXX XXXX XXXX referenced above that is being listed on my credit report by XXXX XXXX . This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For obvious reasons.

I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item, please provide the comp

lete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I disputed over XXXX dollars worth of unauthorized charges on my account from the company XXXX to my bank Chase . Chase conducted an investigation and said they were reversing my credited charges but I do not have a sufficient explanation. I have not used XXXX, all the dates shown have no correlation to me using the platform. Chase wont give me more detail into their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the presence of incorrectly reported late payment remarks on my accounts constitutes a violation of 15 USC 1666. Every payment associated with these accounts has been made promptly, and any deviation from this accurate reporting is unjust and 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX XXXX : account XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXXXXXX XXXX XXXX : account # # # # # # XXXX XXXX XXXX XXXX  : account # # # # # # XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXX : account # # # # # # EQUIFAX has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally. 
I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, an account still needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$0.00}

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report. I have submitted supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against Experian regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, Experian has failed to take appropriate action.

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Experian follows the necessary procedures outlined in the FDCPA to rectify this issue promptly.

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Experian has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately.

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Experian for their failure to comply with the FDCPA. 

Sincerely, 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 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I financed a vehicle with this company, the car was originally XXXX dollars but after financing the car was almost XXXX I paid my note for XXXX years and I still owe XXXX dollars. My engine went out on the car I contacted the company and told me there was nothing they could do for me. The company is credit appectance they wanted to continue to pay a car note after the car is not working

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: LEXISNEXIS
State: AL

Complaint narrative:
Addresses dont belong to me never live at addresses. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made an international wire. Money did not arrive to destination. I opened a claim and they say my funds now are block. I dont know why, I only now that I need my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to these inquiries and have strong suspicions of fraudulence. I request a thorough investigation and immediate removal from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I closed my checking account at Bank of America on XX/XX/2024. After I closed my account, I called Bank of America about 2 weeks later to make sure that my online account was also deleted. Upon calling the customer service number at Bank of America, I was prompted to put in the last four digits of my bank card or credit card. I put in the last four digits of my SSN and the automated system responded that " my checking account has a balance of {$0.00} '' and then transferred me to a customer service representative. 

I told the representative that I did not like that Bank of America was reporting that I still had an account at Bank of America and that the said account had a XXXX balance. The representative told me that the prompt given by the automated system will be removed 45 days after I closed my account. I called Bank of American back again after 45 days and the prompt was still saying that I had an account under my SSN at Bank of America. I once again asked the customer service representative to request that the prompt be corrected to state that the account is closed. This time, the representative told me that the prompt will be corrected in 60 days. In the meantime, Bank of America was still mailing bank statements even though my account is closed. 

I called again XX/XX/2024 which is XXXX days after my account was closed at Bank of America. The prompt is still saying that I have an account with XXXX balance under my SSN. I do not have any accounts at Bank of America at this time. Once again, I spoke to 3 different representatives including one in the fraud department. I told them that Bank of America still has an account tied to my SSN and that when I call in, the system is stating that I have this account with a XXXX balance. Nothing was done to correct this problem. 

I'm writing this complaint because I have called Bank of America on three occasions to request that they correctly reflect that there is no account under my SSN. I was told that the false information would be corrected in 45 days, then 60 days but so far nothing has been done.

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