vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: SC

Complaint narrative:
I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( Transunion, XXXX, XXXX ) of the violations XXXX XXXX  conducted and requested the three major credit reporting agencies, Transunion, XXXX, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer 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 2023-09-13 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: SC

Complaint narrative:
I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXXXXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, Equifax, XXXX ) of the violations XXXX XXXX conducted and requested the three major credit reporting agencies, XXXX, Equifax, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-13 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: FL

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: VA

Complaint narrative:
I have a contract with Conns Furniture which I was past due because my finances didnt permit me to pay. I called called them yesterday, XX/XX/2023 because I saw online an option to make 2 payments of half my regular monthly payment of {$97.00} to bring my account current. I was told I could do that, but a manager gets in the phone and says if I can pay {$290.00}, they would match the payment and not only would my account be made current, but my next payment wouldnt be due until XX/XX/2023. I borrowed money to take that optio. I was not sent a receipt or copy of agreement as promised. I checked my account today and saw Im still past due. I called back and was told I am still past due. It wouldnt make sense for me to pay almost {$300.00} vs paying {$97.00} to become current. They flat out lied. I asked they contact the manager and representative who made the deal since everything is noted and they said no. I asked to pull the recorded call and they said no.This company committed fraud to get me to pay more than necessary to bring my account current and never honored their end. I need help resolving this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I received a credit alert this company reported a remark, I never heard of them nor was notified by mail to dispute and given the chance to request validation. They just took away my rights, Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I took out a title loan. I was paying every months, until I received fraud on my account. I was told to check for any data breaches. The data breach came from the company I received the title loan from. I sustained financial damage and losses due to the breach which cause me to be hind on my account by one month. The next month the same company who had my data breached, repossessed my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank account at Regions was linked to XXXX XXXX  and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX  told me its on regions regions told me its on XXXX XXXX please help me.. please help

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-09-13 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: FL

Complaint narrative:
On XX/XX/2023, all three credit agencies received a credit letter requesting an investigation on my credit report and also requesting a n original credit contract which they should have on hand. I did not receive an original contract and I have proof of them receiving this letter with proper identification.The law that backs this Disclosurestoconsumers [ 15U.S.C.1681g ] ( a ) Informationon file ; sources ; reportrecipients.Everyconsumerreportingagencyshall, uponrequest, andsubjectto610 ( a ) ( 1 ) [ 1681h ], clearlyandaccuratelydisclosetotheconsumer : Paraphrase : Theinformationinthecreditbureausfiles ( notthecreditorsfiles ), mentionedabove, istheinformationthattheystoreintheircomputerbaseoneveryconsumer.Then610 ( a ) ( 1 ) [ 1681h ] identifiestheproperidentificationrequired ( driverlicenseandSScard ) +awrittenrequestbytheconsumer.Basicallyitsaysthatifaconsumerasksthecorrectway, inwriting, andhasproperlyidentifiedthemselves, the3bureausarerequiredtodisclosetotheconsumerexactlywhatdocumentsarestoredwithintheircomputerbasethatwereusedtoverifytheinformationthatisbeingreportedonthem.Theyrefusetoshowyouanythingbecausetheydonthaveanythingintheirfilestoshowyou.Insteadtheytellyoutorequestthesedocumentsfromtheoriginalcreditor.I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 " which states " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. 15U.S.Code1681e-Complianceprocedures ( a ) Identityandpurposesofcreditusers Everyconsumerreportingagencyshallmaintainreasonableprocedures designedtoavoidviolationsofsection1681cofthistitleandtolimit thefurnishingofconsumerreportstothepurposeslistedunder section1681bofthistitle.Theseproceduresshallrequirethatprospective usersoftheinformationidentifythemselves, certifythepurposesfor whichtheinformationissought, andcertifythattheinformationwillbe usedfornootherpurpose.Everyconsumerreportingagencyshallmakea reasonableefforttoverifytheidentityofanewprospectiveuserandthe usescertifiedbysuchprospectiveuserpriortofurnishingsuchusera consumerreport.Noconsumerreportingagencymayfurnishaconsumer reporttoanypersonifithasreasonablegroundsforbelievingthatthe consumerreportwillnotbeusedforapurposelistedinsection1681bof thistitle. ( b ) Accuracyofreport Wheneveraconsumerreportingagencypreparesaconsumerreportitshall followreasonableprocedurestoassuremaximumpossibleaccuracyofthe informationconcerningtheindividualaboutwhomthereportrelates. Byviolatingsection1681bforpermissiblepurposeand1681cforinformation containedinconsumerreportstheyarealsoviolatingcomplianceprocedures underthistitle.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Sears/ Citi retaliated against me for a prior complaint and closed my Sears Mastercard account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( https : XXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the fiduciary debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This company sending me statements. I do not know who they are nor did I authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for no corrective actions taken on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-13 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I made a purchase with XXXX XXXX on XX/XX/XXXX for {$130.00} USD for video game controllers. The company did not show any indication that the product would be delivered other than an update e-mail in XX/XX/XXXX that said orders were delayed. Since then the company has gone silent and multiple customers have come forward saying their orders were not fulfilled. I opened a dispute with Discover on XX/XX/XXXX to resolve this fraudulent transaction and they closed the dispute as a valid transaction on XX/XX/XXXX. There is no indication they received any communication or documentation from XXXX XXXX. When I contacted them on XX/XX/XXXX to appeal their decision they told me to reach out to XXXX for more information. XXXX still shows this as an open billing chargeback case under review, they were unable to provide more information at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account with Wells Fargo branch in the XXXX XXXX area, I had a fraud garnishment, a spoof, bank robber they withdrawn money from my account someone send them a fraud garnishment child support that had been removed expunged for 10 years it keep causing a data breech in their system.

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 2023-09-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) Trans Union and XXXX should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX  XXXX Trade- XXXX XXXX XXXX  XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my instructions.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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