vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am contacting you regarding an account that you claim I owe. I respectfully request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and ask that you provide sufficient documentation confirming the accuracy of this debt. I am concerned that there may be errors in the record, and I am requesting evidence to establish : 1. The full details of the original debt, including the name and address of the original creditor, and a copy of the signed contract or other verification that binds me to this debt.

2. A complete breakdown of the amount owed, specifying the original amount, any interest or fees added, and a clear explanation of how the current balance was calculated.

3. Proof of your agencys legal right to collect this debt, either through ownership or a contract with the original creditor.

If you are unable to verify the debt with the requested documentation, I kindly ask that you cease all collection efforts, remove this debt from any credit reporting agencies to which you may have reported it, and inform me in writing of the resolution.

Please treat this letter as a formal dispute of this debt. If I do not receive adequate verification within 30 days, I will assume the debt is unverifiable and expect it to be removed from my credit file. Any continued attempts to collect this debt without proper verification may constitute a violation of my rights under the FDCPA. 

Thank you for your cooperation in resolving this matter. Please direct all responses in writing to the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I VIEW MY ONLINE CREDIT REPORT OFTEN, I NOTICED AN INQUIRY FROM XXXX XXXX, THE INQUIRY WAS PUT ON MY CREDIT REPORT XXXX..THE CREDIT BUREAUS DONT HAVE NO ACCOUNT ASSOCIATED WITH THIS INQUIRY, AND IT IS NOT MINE, I DONT HAVE ANY OPEN LOANS ON MY ACCOUNT, ... NO OPEN ACCOUNTS ASSOCIATED WITH THIS COMPANY ... IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTED ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIAITLY UNDER 15 U.S.C. 1681.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
I TOLD XXXX AND TRANSUNION TO REINVESTIGATE THIS ACCOUNT ..REPORT # XXXX XXXX XXXX..HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE.BUT HOW IS THAT POSSIBLE IF THE OPEN DATE DATE OF LAST ACTIVITY AND MUCH MORE IS INCORRECT.UPDATE WAS XX/XX/XXXX XXXX..ACCORDING TO 15 U.S.C. 1681 1 i ( 5 ) they are suppose to modify accounts that arent reporting correctly.

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 2024-11-05 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: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-05 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: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Someone got ahold of my wallet and I lost everything in it. 

I am wanting these inquiries deleted because I did not authorize these companies to run my credit. That is fraudulent.

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 2024-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MI

Complaint narrative:
I initiated a transfer on XX/XX/year> through Ria Money Transfer ( Order No. : XXXX ) with a total amount of {$1200.00} USD, which included a transfer fee of {$9.00} USD. The intended transfer amount was {$1100.00} USD, with the recipient expected to receive XXXX XXXX  in their bank account in XXXX. According to Ria, the funds were supposed to be available on the same date. 

However, despite the transfer fee paid, the transaction was not completed, and the funds have neither been deposited into the recipients account nor refunded to me. After multiple follow-ups with Ria customer support, I received conflicting updates. Initially, they stated that the transaction was in process and would be canceled soon. Later, they informed me that they needed confirmation from the recipients bank to complete the cancellation. This lack of consistency and communication has led to significant delays, and I am still waiting for my refund, including the transfer fee. This experience has caused frustration, especially as I have faced similar issues in previous transactions with Ria.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is the third complaint that the XXXX is closing my complaints without actually solving the problems. At this point, I am extremely angry. They have locked my credit card for XXXX months claiming fraud. They refuse to let me on my account to pay my bills. I sent over XXXX documents of proof of identity including my banking number and routing number to pay bill on phone. I told the agent on the phone next month I am not paying on the phone again because I am giving some random stranger on the phone my banking numbers. Of course the second month came, they still have me locked and I still can't use the card. They responded on here saying that I needed to call again and fix this which I did today. They confirmed my identity she said on the phone and asked me any of the charges were associated with fraud and none of it was fraud. All the purchases were done by me. So she told me on the phone that its back to normal again and that I can use the card and pay my bill. She lied to me for like the fourth time, as I still can't use my card and the website still can't be accessed via password and username. So I had to call again to pay my bill because its past due again. They are striking my credit score, raising my minimum wage to pay monthly and is giving me obstacles to take fiscal responsibility. At this point, I am done and sick and tired of some corrupted company that's taking there personal time to XXXX with my life. I owned credit cards since I was XXXX XXXX XXXX and I am XXXX XXXX XXXX and never missed a payment in my life until this company decided to XXXX with me. I want to sue these XXXX, these XXXX. This XXXX XXXX can't be legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Dispute transaction on XX/XX/year> for fraudulent transactions and I received a email the next day saying my dispute was completed and no errors occurred I dispute over XXXX transactions all fraudulent and I provided a police report the transactions was for XXXX and I received a temporary credit for XXXX and they never investigating the other transactions and they said they wouldn't investigating them I want my other funds

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 2024-11-05 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding identity theft that has caused fraudulent student loans to be opened in my name without my consent. 

Recently, I discovered that someone used my personal information to open student loan accounts in my name. I did not apply for these loans, nor did I authorize anyone to do so. I was shocked and frustrated to find out that these loans were linked to my name, and I am worried about the long-term impact this will have on my credit and financial future. 

I have tried to address the issue by contacting the loan servicers and filing fraud alerts with the credit bureaus, but the process has been slow, and I am not getting the assistance I need. I am requesting that your office investigate this situation and help me resolve it as quickly as possible. 

Specifically, I am asking for : The fraudulent loans to be removed from my credit report. 
Assistance in clearing my name of any debt I did not incur. 
Help with getting the issue resolved with the loan servicers. 
I would appreciate any support or guidance your office can provide in addressing this situation and preventing further damage to my financial records. 

Thank you for your time and assistance.

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 2024-11-05 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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding identity theft that has caused fraudulent student loans to be opened in my name without my consent. 

Recently, I discovered that someone used my personal information to open student loan accounts in my name. I did not apply for these loans, nor did I authorize anyone to do so. I was shocked and frustrated to find out that these loans were linked to my name, and I am worried about the long-term impact this will have on my credit and financial future. 

I have tried to address the issue by contacting the loan servicers and filing fraud alerts with the credit bureaus, but the process has been slow, and I am not getting the assistance I need. I am requesting that your office investigate this situation and help me resolve it as quickly as possible. 

Specifically, I am asking for : The fraudulent loans to be removed from my credit report. 
Assistance in clearing my name of any debt I did not incur. 
Help with getting the issue resolved with the loan servicers. 
I would appreciate any support or guidance your office can provide in addressing this situation and preventing further damage to my financial records. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding identity theft that has caused fraudulent student loans to be opened in my name without my consent. 

Recently, I discovered that someone used my personal information to open student loan accounts in my name. I did not apply for these loans, nor did I authorize anyone to do so. I was shocked and frustrated to find out that these loans were linked to my name, and I am worried about the long-term impact this will have on my credit and financial future. 

I have tried to address the issue by contacting the loan servicers and filing fraud alerts with the credit bureaus, but the process has been slow, and I am not getting the assistance I need. I am requesting that your office investigate this situation and help me resolve it as quickly as possible. 

Specifically, I am asking for : The fraudulent loans to be removed from my credit report. 
Assistance in clearing my name of any debt I did not incur. 
Help with getting the issue resolved with the loan servicers. 
I would appreciate any support or guidance your office can provide in addressing this situation and preventing further damage to my financial records. 

Thank you for your time and assistance.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment 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 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 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 2024-11-05 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: TX

Complaint narrative:
This is really worrying and have caused me sleepless nights as I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following Experian 's instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on my 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXXXXXX wrongful credit delinquency on Experian on XX/XX/year>. I accessed the archives of XXXX  showing proof of the disabled website. Please see attached.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ATTEMPTED TO USE AN IN-BRANCH ATM AT CHASE BANK ON XX/XX/XXXX TO WITHDRAW XXXX FROM MY CHASE CHECKING ACCOUNT. AFTER AN EXTENDED WAIT TIME, THE ATM MALFUNCTIONED AND PRINTED OUT A RECEIPT STATING " WE ARENT ABLE TO GIVE CASH RIGHT NOW ''. THE FUNDS WERE LISTED AS WITHDRAWN FROM MY ACCOUNT, BUT THE MONEY I WAS ATTEMPTING TO TAKE OUT OF THE ATM WAS NOT GIVEN. 
I NOTIFIED A BRANCH BANK TELLER, AND THEN CALLED THE PHONE NUMBER ON THE ATM RECEIPT AS REQUESTED. I PROVIDED THE REPRESENTATIVE WITH THE SEQUENCE NUMBER, TERMINAL ID # AND THE DATE AND TIME OF THE TRANSACTION. AFTER CLAIM WAS OPENED, THEY TOLD ME MY FUNDS WOULD BE DEPOSITED BACK TO MY ACCOUNT. 
ON XX/XX/XXXX, THEY DENIED MY CLAIM. AFTER FURTHER INVESTIGATION AND INQUIRY, I WAS TOLD THEY NEEDED THE ATM RECEIPT AND IF I WANTED THEM TO REOPEN THE CASE, TO UPLOAD THE RECEIPT. ON XX/XX/XXXX, THE RECEIPT WAS UPLOADED. NO RESPONSE RECEIVED BACK. 
THE BRANCH MANAGER OF THE CHASE BRANCH WAS CONTACTED, WHO CALLED INTO THE CLAIMS DEPARTMENT. STATED THAT THE ATM AND THE ENTIRE TRANSACTION IS REVIEWABLE ON CAMERA, AND THAT THE FOOTAGE WILL SHOW NO CASH WAS DISPENSED. 
I AM STILL WAITING ON CHASE TO REDEPOSIT MY MONEY DUE TO AN ERROR BY THEIR IN-BRANCH ATM. FURTHERMORE, I FIND IT UNACCEPTABLE THAT THEY REFUSE TO INVESTIGATE CLAIMS SUCH AS THIS UNLESS A RECEIPT FOR THE TRANSACTION IS PROVIDED. 
CAMERAS ARE NOT ONLY IN USE TO PROTECT THE BANK, BUT ALSO THE CONSUMER. IN LIEU OF MY RECEIPT, COULDNT THEY HAVE FIRST REVIEWED THE FOOTAGE? INSTEAD THEY DECLINED THE CLAIM BUT NEVER TOLD ME THEY NEEDED THE RECEIPT. ONCE I WAS TOLD THE RECEIPT WAS THE ISSUE, I HAD NO ISSUE UPLOADING IT - BUT NOW THEY ARE DRAGGING THEIR FEET ON PROVIDING AN APPROPRIATE RESOLUTION.

Company response to consumer: Closed with non-monetary relief