vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
XX/XX/year> a letter was sent to EXPERIAN to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible

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 2024-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2024, someone tried to open a credit card using my stolen personal information. XXXX XXXX has canceled the application, but when I called Experian that day to raise a dispute, I learned a security freeze was not on my account. I believe I put a security freeze on my account with Experian, and their online portal reflected this. However their representative over the phone stated they had no freeze on their system. I was able to raise a dispute and put a freeze on my account.

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 2024-01-30 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: IL

Complaint narrative:
on XX/XX/year> there was a letter sent to experian discussing incorrect personal information reporting on my credit. I have yet to get any response from this company giving me the details on information being removed.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XXXX  XX/XX/year> I contacted chime because I used an ATM at XXXX on XXXX  XX/XX/year> and the first time I withdrew XXXX XXXX  because that was the max at a time so I used my card a second time to withdraw another XXXX XXXX  and that time I got a receipt but no money. Well I told chime it didn't dispense the money and that it was XXXX  XX/XX/year> at XXXX XXXX  which was the second transaction well they had it filed as XX/XX/year> at XXXX am which was the first transaction that had gone threw so that dispute was denied so I contacted chime XXXX  XX/XX/year> and explained to them it wasn't the XXXX transaction, it was the XXXX transaction well they fixed it and it says it's under investigation and will be resolved by XX/XX/year> which is fine buy I got an email from chime saying my chime account will be terminated on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
On XXXX at XXXX hours I called and spoke with a representative and told them to stop calling me as they repeatedly call me multiple times a day and I had acquired the service of a debt management company to handle these matters. I offered their contact information but the representative refused to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: IN

Complaint narrative:
I received a small claims notice that I am being sued by Absolute Resolutions Investments LLC through XXXX XXXX XXXX. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission.

The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission.

The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately.

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> The bank reached out to me due to a suspicious XXXX XXXX transfer to my account. I spoke with a representative and provided clarifying all information. They wanted to know if I knew the person and if they were either a family or close friend. I said yes. They stated the person who sent me the money the cell phone number did not belong to them in their research. Even after I confirmed I knew the person. They said the only way the transfer could be completed was if I either 1.Provided a phone number with my friends name or 2. Came into a physical branch with my friend with both of our IDs to confirm as well. Once the conversation continued I stated I was frustrated and annoyed how the conversation was going. The representative was being condescending up until this point as I was looking for more information on the process. I stated I was frustrated again with Capital One and would look into closing my account with them since the representative was being rude. The representative told me I just sent a 6 digit code to your phone, please read it back to me. I read the code back not knowing what it was for and then she stated my account is now closed. Now after speaking with the representative for 45minutes and confirming this XXXX transfer as well as trying to find a resolution to this issue. My account has now been shut after giving me multiple options to solve this. Right after stating I was interested in closing my account with them they closed my account on me. Giving me reason to believe they acted out of bad faith. I provided the cell phone number on a call after this to verify my friends info and my situation was already over from their standpoint. I would never want to bank with Capital One again after this. Having multiple credit cards and banking for many years. I will always gear others away from working with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/year> there was a letter sent to equifax discussing incorrect personal information reporting on my credit. I have yet to get any response from this company giving me the details on information being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has noted that FCRA does NOT require them to maintain records of disputed accounts. Experian has " destroyed '' the records for a dispute that is not even 2 years aged ( was completed on XX/XX/22 ). 

Experian indicated that " keeping that information would be at my detriment and unfair ''. I explained that my " public '' credit report is much different than their internal notes, which I requested. 

At this time, Experian has indicated that I have never made a dispute on my credit file, which is inaccurate, as at least XXXX ( including this issue ), if not XXXX, have been logged with that agency. 

Since I can not see the details, I assume that I have the correct dispute report number of XXXX ( see attached email confirming that Experian knew of and sent correspondence related to this dispute ).

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 2024-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Currently dealing with Experian about my credit score they are claiming that I have delinquencies late payments, non-mortgage payment and not long history of credit which all XXXX of those things are false and when I call Experian they are showing that I have excellent payment history excellent loan paying loans back that I dont have a non-mortgage payment, and that my credit history is over XXXX years so I dont know I dont understand where the miscommunications coming from and how my credits being affected by something that they cant see you guys probably cant help me, but it would be nice if somebody could help 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXXXXXX XXXX XXXX XXXX ( {$8700.00} ) XXXX XXXX XXXX {$930.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing to report what appears to be fraudulent activity on my Wells Fargo Bank account ( Account # XXXX ). It seems that someone from California has been making unauthorized transactions, specifically using my bank account information for food deliveries through XXXX. 

I promptly contacted Wells Fargo upon discovering this issue, and I was assured that the bank would refund the unauthorized transactions and take steps to prevent any further losses. However, I am deeply concerned about the security of my account and the possibility that my information was compromised either through a data breach or another form of unauthorized access. 

This incident has left me feeling uneasy, as I believe Wells Fargo should prioritize the security of its customers ' accounts and take immediate action to rectify situations involving potential fraud. 

I kindly request a thorough investigation into this matter to determine the source of the security breach and prevent any recurrence. I urge you to provide me with detailed information on the steps being taken to address this issue and to strengthen the security measures on my account. 

I understand that situations like these can be complex, but as a loyal customer, I expect transparency and a swift resolution. I have attached documents outlining the unauthorized transactions for your reference. 

Your immediate attention to this matter is highly appreciated. 

Thank you for your prompt assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Complaint with EdFinancial and XXXX loan servers. I made a payment to EdFinancial for 2 loans in XX/XX/year>. Those payments were not applied to my loan balances, when in contact with support I was asked to provide documentation of payment, I submitted the documentation via email and EdFinancial received. Payment was still not found and loans were transferred to XXXX. EdFinancial stated that they were no longer able to help me with this problem due to no longer being my service provider. XXXX continues to state that they are waiting to receive the payment from EdFinancial. I asked XXXX to provide me with documentation of the payment and my loan balances and they state they are unable to provide me with this information.

Company response to consumer: Closed with explanation