vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a truist one checking account online on XX/XX/XXXX with promo code XXXX applied when opening with a deposit is {$50.00}. I then made XXXX purchase via my debit card on XX/XX/XXXX. I also made a {$500.00} ach deposit on XX/XX/XXXX. this met the requirements of the bonus, as these activities needed to be completed within 90 days of the account being opened. 

My chat with Truist rep XXXX. XXXX  # XXXX on XX/XX/XXXX or XX/XX/XXXX said below : I am not showing you enrolled with a promotion in your current checking. 
Also if you have closed any other Truist checking accounts after XXXX of XXXX you would not be eligible. I am sorry. 

My response to XXXX in the chat was that I have a print screen showing the promo code was applied when i opened the account. I also advised that her date of XX/XX/XXXX was incorrect. I gave her the correct statement in the XXXX promo code requirement about that which was : " Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after XX/XX/XXXX are not eligible to participate. '' XXXX still stood that I didn't qualify and I advised her I would submit a complaint to CFPB. she ten said she would submit one on my behalf to you as well. I suspect that she was not going to actually do that, so here is my submission.

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, a person impersonated a known person in my community by hacking their XXXX account, and pretended to sell me XXXX concert tickets via XXXX. They provided screenshot and video evidence that they had the tickets, and I had no reason to believe they were not who they said they were. After I made the payments ( the first for {$400.00} to make sure it worked, and then the rest for {$1200.00}, for a total of {$1600.00} ), I was immediately blocked. I learned that the community member of mine was hacked, and it was not her account. I filed claims with Wells Fargo, but they have denied them because the transfer was " authorized, '' despite it being fraud, and without looking at any of my evidence. I saw in an XXXX news article that the same thing happened with another Wells Fargo customer, and after she contacted the media, the bank returned her money. As a lifelong Wells Fargo customer, I am being treated differently, and they should uphold the same standard of protection for all loyal customers. ( Does it take going to media to get this treatment? ) I have spoken to Wells Fargo employees in the claims department, but still received no resolution.

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 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Illegal Debt Collection Practices : Despite my formal request for debt validation XXXXolumbia Debt Collection has continued to attempt to collect an alleged debt without providing the neccessary validation as required by Fair Debt Collection Practices Act ( FDCPA ), specifically violation 1692g and 1692e. Columbia Debt Collection been using my Trademarked name, XXXX XXXX XXXX without authorization. This constitutes trademark infringement under federal and state laws. I am seeking an immediate cessation of all unauthorized use of my trademark name, termination of all illegal debt collection activites and confirmation of compliance with legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: AR

Complaint narrative:
The following accounts do not belong to me and should be removed immediatley. 

XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, us department of ed - XXXX, us department of ed - XXXX, us department of ed - 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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied online for a Chase Sapphire Preferred credit card. Received immediate response they could not approve at that moment but will be researched and I would get the results in writing by mail. My original application was on or about XX/XX/XXXX. I have never received anything by mail or email from Chase. I called an XXXX number at Chase to pursue status of my application. Twice I was told application still pending and no other information is available. Third time I called I demanded to speak to a representative. This time I was told I was not approved and they could not discuss the matter with me or give a reason for denial. I then requested them to give the application a second review but was denied, again no reason provided. I was told to submit a new application in a physical Chase bank location. To date, Chase has provided me no written response by mail or by email or a phone explanation. I told them I can not keep opening new applications as it does damage my credit reports. 

This is the second time they have done this to me, with no reason given. The previous time was on XX/XX/XXXX. Exact same story then. 
My understanding is that Chase is required by law to give some reason for denials. 

Additionally, I do have a Chase Freedom card and I receive regular emails saying I am pre-approved for the Sapphire card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX XXXX XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following. 

Account Name : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.

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 2024-06-17 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: MI

Complaint narrative:
TransUnion, XXXX, & XXXX continue to report inquiries that are not correct and I am sure they have not done any investigation to prove that these inquiries that they are reporting are accurate. They requested I contacted the company which is not my job it is the consumer agencies obligation to report accuracy and if they cant it must be removed. The inquiries below need to be investigated and removed immediately or risk legal action. 

TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am not liable for this debt of {$1000.00} with LVNV FUNDING LLC Account # XXXX I do not have a contract with LVNV FUNDING LLC, they did not provided me with the original contract with as I requested my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my TRANS UNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.

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 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the 1099-c was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH XXXX IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation.

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c

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 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the XXXX was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY.

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation.

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c

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