vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear CFPB, I am following up on my initial complaint regarding Wells Fargo holding a check I deposited from XXXX XXXX XXXX XXXX XXXX XXXX ). It has now been over XXXX days ( deposited XX/XX/XXXX ), and I still do not have access to my funds. This continued delay is unwarranted, given that the check has already cleared with the issuing institution, and it is causing me significant financial and emotional hardship. 

Wells Fargos decision to place and maintain this hold appears to be an unnecessary and irresponsible gamble with my money. The lack of resolution has put me further into debt, as I am unable to cover critical expenses during an already challenging period. My health is suffering from the stress caused by this situation, and I am deeply concerned about Wells Fargos disregard for their customers well-being. 

I have already reached out multiple times, spoken with several representatives, and escalated the issue repeatedly, yet no action has been taken. This lack of accountability and transparency is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Amerihome brought my mortgage account from XXXX XXXXXXXX XXXX. I purchased my home XX/XX/XXXX. My mortgage then was {$1500.00}. Amerihome decided to do an escrow analysis XX/XX/XXXX, claimed my escrow was short over {$2200.00}, I paid it, mortgage went to {$1600.00}. Amerihome did another analysis XX/XX/XXXX, stated my escrow is short again {$760.00} and increased my payment for a second time, to {$1700.00}. I call them, I was told from the rep at Amerihome, the analysis was done in error XXXX/XXXX, it should have only been completed XX/XX/XXXX. I went to XXXX XXXX XXXXl, and requested answer about my XXXX property taxes. I was advised my XXXX property taxes were paid. So the analysis that was done XX/XX/XXXX are for a forecasting of XXXX taxes. XXXX XXXX clerk told me thats impossible for the mortgage company to know what the XXXX taxes will be because the City doesnt know yet. I want Amerihome never do XXXX analysis in one year on my home again, and if there is money owed to me due to completion of the last XXXX in XXXX, I want to know! I have no contract from them, my contract is with XXXX XXXXXXXX XXXX. I will request a amortization from them. They are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
This Journey began over a year ago with Experian, I simply ask Experian validate and Verify the Bankruptcy this Bankruptcy, I send Proof of My identity Starting on XX/XX/year> asking to remove the Misspelling of My Name, Remove the Social Security Number addresses and the Bankruptcy which this information either does not belong to me or should not be attached to me. I don't understand this Company can continue pick and choose what they are going to remove and what they are going report whether the information is correct or erroneous, the harm this is causing is totally, I've sent all requested proof of Identity, I disputed correctly and honestly, Per the FCRA, I've been patient this information still reporting is allowing others to try and use my personal credit I just received another breach letter this one came from XXXX XXXX XXXX. I'm humbly asking for this information to be 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 explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
am filing a formal complaint against LVNV Funding, LLC, regarding their unlawful and deceptive actions in attempting to collect a debt that is not valid, as well as their continued reporting of false and misleading information to credit reporting agencies. Despite multiple requests to cease and desist, LVNV Funding has persisted in these practices, causing significant harm to my credit profile and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : FDCPA Violations ( 15 U.S.C. 1692 ) : LVNV Funding has engaged in deceptive and misleading practices by attempting to collect a debt without providing proper validation of the debt as required under FDCPA, 15 U.S.C. 1692g.

I have previously sent a Cease and Desist letter to LVNV Funding, requesting an immediate halt to all collection activities and communication regarding this account. Despite this notice, LVNV Funding has continued its collection efforts, which is a direct violation of 15 U.S.C. 1692c ( c ).

LVNV Funding 's actions have caused undue stress and emotional distress, as I have been falsely accused of owing a debt that they have failed to verify or validate. This is a clear violation of 15 U.S.C. 1692e, which prohibits the use of false or misleading representations in connection with the collection of a debt. 
Deceptive Reporting to Credit Agencies ( FCRA Violations, 15 U.S.C. 1681 ) : LVNV Funding has repeatedly reported inaccurate and misleading information to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). This reporting includes erroneous account balances, incorrect dates of delinquency, and false claims of ownership of the debt. 
The information reported by LVNV Funding is not only misleading but also harmful to my credit score and reputation. Under the Fair Credit Reporting Act ( FCRA ), they have a duty to report accurate information, which they have failed to do. LVNV Funding is in violation of 15 U.S.C. 1681s-2 ( b ), which requires that furnishers of information to credit reporting agencies must correct and update inaccurate or incomplete information.

Failure to Validate the Debt ( 15 U.S.C. 1692g ( b ) ) : I have formally disputed this account and requested validation of the debt from LVNV Funding. They have failed to provide any proof of the original contract or agreement that substantiates their claim. Their failure to validate the debt renders their continued reporting and collection efforts unlawful.

LVNV Fundings failure to provide verification indicates that this debt is not substantiated, and their continued attempts to collect and report this account are not only misleading but also constitute harassment under FDCPA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: LEXISNEXIS
State: MD

Complaint narrative:
I attest that I am a victim of XXXX XXXXor purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). 
Under penalty of perjury, I declare ( certify, verify or state ) that the foregoing is true and correct, to the best of my knowledge. Clarity has not blocked my information although I mailed information as requested on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I sent a debt validation letter in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of your mailing address, but a request for VALIDATION made pursuant to the above-name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative marks is found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called equifax today to get to remove the A from my name on my report they will not remove it i dont use my middle inital on anything no other report has it on it please remove the A FROM MY NAME THIS HOW IT SHOULD BE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Md, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach.

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit report shows several accounts that seem unauthorized and inaccurate; please block and remove them right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX placed a collection account on my credit reports on XXXX XXXX for a creditor called Money Key in the amount of XXXX. I dont have any record of having an account with Money Key. I requested a verification of this account and supporting documentation and never received it. I also attempted to dispute this account and was told that the information is valid. Again I dont have any written verification of this debt or supporting documentation from the original creditor. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
My complaint against Chime Bank, they miss up my money for the second time and refuse to investigate, lack of transparency and fraud involved. 
I stayed in XXXX XXXX XXXX  and paid & XXXX security deposit that they didnt pay me back when I left on XXXX, XXXX, and when I called them on XXXX, XXXX to release my security deposit, they deducted more money of {$210.00} and {$120.00} from my debt card and stopped answering me. 
I called Chime bank to dispute it and provided evidence about the receipts, chime bank rejected to investigate it, and I found wrong balances in my online statement. 
So chime bank should dispute thr {$150.00} security deposit and {$130.00} and {$210.00} deducted after I XXXX XXXX XXXX  10 days. But they didnt care By the way, this is the second time chime bank mistreat and miss up with my money. In XX/XX/XXXX, I was in a hotel in XXXX XXXX and they deducted more money deducted {$300.00} by mistake from my card, it took chime over 4 months to return the money also they gave me misleading responses such as we left they refund on the credit builder account however this account is closed, or they said to me we will send it by check and never received a check. They put me waiting for hour waiting for a response and keep transferring the line from one to another without me getting firm result. 
Chime bank is connoting fraud and promote XXXX, I need investigation for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and 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