vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested my credit report on XX/XX/2024, but Trans Union refused to give it to me.

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 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX LVNV Funding and XXXX XXXX

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

Complaint narrative:
Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Once your investigation and necessary corrections are complete, I kindly request an updated 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 2024-05-06 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: MD

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> I gave notice to XXXX XXXX XXXX of 60 day notice of move out.in which I pride the last 2 months of rent I moved out of apartment on XX/XX/year>. But they have continously without merit have tried to collect a balance of {$1000.00} which was then given to XXXX XXXX XXXX which is illegal practices as stated the account was satisfied with original creditor this account in past was removed from my XXXX crefit profile but XXXX has failed to remove this fraudluent collection account..This collection on my crefit report has caused mental stress and disadvantaged me in any and all credit decisions by reporting a fraud I lent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy federal credit is showing on my credit report as a charge off. Charge off are considered income and should not be on my credit report. i have asked several times for them to remove the account from my credit report which they have replied that they will not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A default judgment was filed against my property on XX/XX/XXXX, in the amount of {$3800.00}, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In XXXXXXXX XXXX XXXXXXXX, I received notification of a wage garnishment in the amount of {$7500.00}, by CACH , LLC. 

I've had no prior communication with this firm up until I inquired into the nature of this action. 

Furthermore, I don't believe this is my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Sigue Corp.
State: TN

Complaint narrative:
I had a refund ( {$340.00} ) pending with them. They said they were going to send me a check and they never sent it to me until today, I'm still waiting, I have called them, they don't answer, I have written to them and I don't have a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Found out via email synchrony had closed my Lowes credit card account because of changes to my credit score. The account was active, never missed a payment and in good standing. Synchrony offered no help in this matter multiple times I called stating I could apply again, meanwhile my credit score is about to tank because they closed a 10 year old credit card with a significant amount of credit on it

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 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX XXXX XXXX  and Security Cred.

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

Complaint narrative:
Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Once your investigation and necessary corrections are complete, I kindly request an updated 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 2024-05-05 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: IL

Complaint narrative:
Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Once your investigation and necessary corrections are complete, I kindly request an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: IL

Complaint narrative:
Once again, I want to stress my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request an updated 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 2024-05-05 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX? XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dear Sir/Madam, I am writing to bring to your attention a matter regarding the violation of my consumer rights by Caine Weiner. Despite my repeated requests, they have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. 

On XX/XX/2024, I sent a formal request to Caine Weiner, requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. However, to date, I have not received any response or documentation validating the debt. 

This lack of response is not only a violation of my rights as a consumer but also a breach of the regulations set forth by the CFPB. Despite their failure to provide validation information, [ Name of Collection Agency ] has proceeded to report the collection on my consumer report, which has had a negative impact on my credit score and financial well-being.

I kindly request that the CFPB investigate this matter and take appropriate action against Caine Weiner for their failure to comply with federal regulations and for their unjust reporting practices. Additionally, I urge the CFPB to ensure that Caine Weiner provides the necessary validation information and removes the collection from my consumer report immediately. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and appropriate action to resolve this issue and protect consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent this letter off to them on XXXX XXXX, and here we are 5 months later and they refusing to update my personal information. They sent me a letter stating that they didn't update my information because they believe the letter wasn't from me. The information on my report is not report accurately and I would like it to be updated to the correct information. 

This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows :

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, both my Chase checkings and savings accounts were suddenly closed and they have not returned my money. My checking account had {$6100.00} and my savings account had {$7600.00}, totaling to {$13000.00}. 

When my accounts were closed, I was locked out of my accounts and unable to access any messages/communications via the online portal. The same day, I called Chase and they said the accounts were closed due to suspicious activity. Over the phone, they stated would return the remaining balance after they complete their investigation ( with no specific timeline ). A few days later, I received bank account statements and it seems like Chase removed all the funds from my account ( description : Debit XXXX  - Check Charge ). However, I never received a check for the ~ $ XXXX. 

Over the next few weeks, I continued to call and follow up on the progress of the investigation. The calls would last more than 2 hours with most of the time them putting me on hold. The calls led no where - the staff always hung up or transferred me and then later tell me there were no updates. 

I had enough and decided to go into the Chase branch to resolve this. On XX/XX/XXXX, I went in person and the banker basically did what I had done. They called Chase and relayed the same information I was already provided - funds are still locked and being investigated. This was more than a year after my accounts were closed... 

Time passed and I had slowly forgotten about this. Fast forward to recently - I attempted to go into the branch again and resolve this matter. On XX/XX/XXXX, I spoke with a banker and they said there was an archived letter on my account. However, my account was still locked and I was not able to access it. Till this day, I have not received a single letter, email, or phone call from Chase about my funds and closed accounts. The banker told me that they would try to retrieve the archived document. However, it has been more than one month now and there has been no updates at all. 

To sum this all up, Chase closed my accounts about 4.5 years ago and has not returned my total balance of {$13000.00}. Despite numerous attempts of calling and even going in the branch, they have not provided an update on their investigation on my account and have stalled for the last 4.5 years. Additionally, I have not received a single letter, call, or email.

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

Complaint narrative:
I am attaching my FTC identity theft report, the following accounts need to be removed from my TransUnion credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( This account is the XXXX  account listed on the XXXX report ). I would also like for the inquiries that are listed on this FTC report to be removed from all three bureaus, XXXX, XXXX, and TransUnion as I didnt authorize them.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Found multiple hard inquiries on my credit that does not belong to me and also found multi hard inquires that were never removed after 2 years. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Trying to take legal action, all debt now is third party without my consent. All debts are XXXX XXXX

Company response to consumer: Closed with explanation