vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using anEOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using anEOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
XX/XX/year> an I discovered an unauthorized charge to my XXXX XXXX XXXXXXXX account was made by a company called ria financial for checking account ending in XXXX this company was doing buissness with fraudulent companies based throughout the world based in XXXX and XXXX XXXX I did not know of RIA financial until after this transaction occurred. I suspect someone intercepted my personal confidential information.. Please help me fight Ria financial and XXXX XXXX XXXX charge for XXXX they are not going to fight for me. I PUT in 2 claims both got denied. Needless to say i am very XXXX! inclosed is the only email I got from ria financial stating a transaction was cancelled. I was not aware of this email until I did a search for RIA in my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-02-20 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: TX

Complaint narrative:
I ask Experian, Transunion, and Equifax to supply information about my late payment but they can not provide a 21 days notice I dispute it 3 rounds and got the same results a stall 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask Experian, Transunion, and Equifax to supply information about my late payment but they can not provide a 21 days notice I dispute it 3 rounds and got the same results a stall 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Not to long ago I was investigating my credit report come to find out that there were several items on there that are inaccurate. Under 15 U.S. code 1681 e ( b ) accuracy of the report whenever consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in general if after any reinvestigating 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 the consumer file, or modify that item of the information as appropriate based on the results of the investigation, and promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 
Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Not to long ago I was investigating my credit report come to find out that there were several items on there that are inaccurate. Under 15 U.S. code 1681 e ( b ) accuracy of the report whenever consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in general if after any reinvestigating 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 the consumer file, or modify that item of the information as appropriate based on the results of the investigation, and promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 
Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My loan, statements and the companies website lay out how payments are processed to my loan. Ive been paying extra each month in order to pay my vehicle off early. ACA has told me on multiple occasions that they can't provide itemized statements to show how my money is being applied. I've asked on multiple occasions. I've asked to make a principal statement as well & again was told that they can't do that. When asked to speak to a supervisor I was told they were not in. I'm extremely frustrated. My truck is falling apart and I desperately need to pay it off in order to get a new one. I have to have a truck to work. I travel w/in XXXX hours every day for work. I've sent multiple over payments to go to the principal in order to pay the loan off quickly in order to purchase a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
Fraudulent accounts XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXXt opened on XX/XX/XXXX under account number ending XXXX, another secured credit card at XXXX XXXX opened XX/XX/XXXX account ending XXXX, another secured credit card at XXXXXXXX XXXX opened XX/XX/XXXX account number ending XXXX.that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the XXXX Federal Trade Commission that all of 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 2025-02-20 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have been served by XXXX, XXXX XXXX XXXX for a debt. They have input this case into the XXXX XXXX XXXX XXXX. I have not received any documentation from the company regarding owed debt. Also I have not received any documentation on the amount that is owed, request to close or settle account with the company. Please review as they are attempting to take me to court for so-called owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
A new card was to be mailed and the next day the Citi bank mobile app kicked me out. I have been unable to access anything including the savings funds I have and desperate need for my house purchase. I cant activate my card associated with the XXXX account. I cant login or change my password because I dont have the new card number. I dont have my bank account number memorized to provide them. Costumer service literally says yeah we cant do anything for you. My new card as delivered ( XX/XX/year> ) but I dont have it. Anytime I call no one is any help at all. They say my security words dont match which I dont understand in the slightest. Even providing literally all other information they cant provide a new account number over the phone till the card arrives so I stuck.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I deposited a check of {>= $1,000,000} only account and in got closed and they said after 30 days they be returning my check after 30 days they said they cant reach the owner of the check I came in to the branch with the owner and we called the fraud dept together with the branch manager and they said the owner number is not on XXXX XXXX and theres no way the owner can add his number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got the my synchrony card to cover the additional almost XXXX for a deal procedure that id already paid XXXX cash for this was to fix the doctor had messed up. I'm so frustrated to begin with and this company made an already frustrating ordeal XXXX times worse. I end up ended this credit line to cover rest of the amount and after about 4 months of paying on it noticing my bill was not getting smaller rather larger than what id even began with I called the company and told them to remove these so called " payment card security '' charges that I did NOT authorize. they told me they would remove from that point on ... and that was a LIE! I resume with my choctic life and have my account auto pay and I'm not on the account which so much going on in my life I trusted that they would honor their word. And to see that my account is now over that spending limit which I was XXXX under is now " over '' over the credit limit by and {$1800.00}. HOW ON EARTH do you think I'll agree to pay this fraudulent company back. NO WAY am I just giving money. How do you think more than XXXX interest is something anyone would agree to. the alert on my card going over the limit is how I noticed AND THEN I noticed the " payment card security '' fee WERE NEVER TAKEN OFF! The first thing I did was take off the {$120.00} a month auto payments you had coming. XXXXXXXX XXXX  = GREED AND FRAUD!

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 2025-02-20 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Date : XX/XX/year> ChexSystems Consumer Relations Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Third and Final Notice Demand for Validation and Reinvestigation of Information and Notice of Intent to Pursue Legal Action To Whom It May Concern, This letter serves as my third and final demand for ChexSystems to validate and reinvestigate the inaccurate and/or unverifiable information you are reporting about me. Despite my previous requests dated [ Insert Date of First Letter ] and [ Insert Date of Second Letter ], you have failed to provide sufficient evidence to validate the disputed information or correct your records. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days and either verify, correct, or delete the information if it can not be substantiated. Your failure to comply with these legal obligations is a direct violation of federal law. 

I am disputing the following information as inaccurate, incomplete, or unverifiable : XXXX. XXXX  XXXX XXXX stating fraudulent activity with the monetary loss I demand that ChexSystems take the following actions immediately : XXXX. Conduct a thorough reinvestigation and provide written evidence validating the disputed information. 
XXXX. Delete or correct any information that is inaccurate, incomplete, or unverifiable in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. Provide a written statement detailing the results of your reinvestigation, including the sources you relied upon. 

Notice of Intent to Pursue Legal Action If you fail to comply with this request within the legally mandated timeframe, I will have no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Initiating legal action against ChexSystems for willful and/or negligent non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ). 
Seeking actual damages, statutory damages, punitive damages, and attorneys fees as allowed by law. 

I take my consumer rights seriously and expect full compliance. This letter serves as your final opportunity to address this matter before further legal action is taken. 

I expect a written response within 30 days of your receipt of this letter, as required by 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 2025-02-20 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
on XX/XX/year> I reviewed my credit report and I noticed my credit report is inaccurate and violating multiple laws causing me and costing me a great deal of distress. The harrassing and abusive tactics by this XXXX debt collector company has lead me to not only file a complaint with you all but to the creditor ( XXXX XXXX XXXX ) seeking monetary relief for my consumer violations as well as the attorney general. 

Im sick of the lack of concern for consumer fairness and accurate investigations, below is a list of laws violated on my consumer report. 

15 US code 1692 j- furnishing a deceptive form, which they've sent me mutiple to my address to get me to think I am participating in the attempt of the alleged debt, when asked to produce the original document with my hand written signature they could not, that is a violation. 

15 US code 1681 e b - explains that a credit report is to be reported 100 % accurate when being reported by consumer reporting agencies 15 US code 1692- validation of debts to me means, debt collectors are to notify me of this in writing 14 days prior instead of XXXX days prior and I was not. I do not wish to validate this debt. 

15 us code 1602 p - unauthorized use of my information, I never gave consent for my information to be used which is fraud, also a violation plus medical information sold to a 3rd party is a HIPPA law violation.

Company response to consumer: Closed with non-monetary relief