vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: KY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : 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 2024-11-12 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: TN

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 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 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 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  15 U.S.C XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 in accurate. 

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 FCRA XXXX XXXX XXXX U.S.C. 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 2024-11-12 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: MO

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX Account number XXXX NAME XXXX XXXX address : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX  XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

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 2024-11-12 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: MO

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX Account number XXXX NAME XXXX XXXX address : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

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 XXXX XXXX XXXX. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 2024-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against [ NCA ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of XXXX XXXX XXXX. 
Summary of Violations : XXXX. Failure to Provide Validation : [ NCA ] has failed to provide validation information as required under XXXX CFR XXXX ( b ) ( XXXX ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims. 
XXXX. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with XXXX CFR XXXX ( c ) ( XXXX ) ( XXXX ). The lack of validation has prevented me from appropriately addressing the validity of the debt. 
XXXX. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws. 
XXXX. Unauthorized Reporting : [ NCA ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating XXXX XXXX XXXX ( d ) and XXXX XXXX ( a ) ( XXXX ) ( A ). 
Dispute Declaration : I hereby dispute owing {$1700.00} to [ NCA ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner. 
Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ NCA ] and the original creditor. 
Any documentation that demonstrates their authority to collect on this alleged debt. 
Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Deposited a {$7000.00} check through a Wells Fargo ATM in the XXXX XXXX XXXX on XX/XX/year> and was informed the deposit should be available on XX/XX/year>. I was then messaged by Wells Fargo the check was placed on hold until XX/XX/year>. Reason for hold was, " refer to check maker ''. XXXX XXXX issue the check and XXXX XXXX  mediated the transfer of funds whenever the check was deposited to Wells Fargo. Both XXXX XXXX and XXXX validated funds have moved out of their accounts and were sent to Wells Fargo. We had a conversation between Wells Fargo, XXXX XXXX, and myself where XXXX XXXX validated the check was valid and funds were moved. Wells Fargo denied funds had been moved over but they were also informed the check was valid so there's no reason for the hold anymore. I've went in person to the Wells Fargo XXXX branch and was informed the funds haven't made it to Wells Fargo and to contact the maker of the check. This is fraudulent and unethical of Wells Fargo to withhold my physical check and not issue funds as advertised through their ATM software. This has led to my apartment complex threatning to evict me and has led to late fees to incur on my monthly lease. I've tried everything to remove this Hold and Wells Fargo is refusing to release the hold. Never use Wells Fargo, I have no faith they will honor my check and will be evicted by this issue. Wells Fargo hasn't even attempted to help mediate the situation.

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 2024-11-12 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: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After finding out the XXXX  was going to costs over XXXX I immediately cancelled everything. I received all the refunds back to my credit cards except for the XXXX XXXX  I never attended. The XXXX  refuses to refund the money back to the lender and now it's on my credit report and Transunion will not provide me with any proof of it's validity that's on my 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I was charged XXXXXXXX XXXX XXXX XXXX for charges that were made to my account prior to my account being overdraft. I was charged XXXX overdraft charges for items under XXXX $ that was made days before my account went into XXXX  and before that they charge me almost XXXX XXXX XXXX XXXX XXXX  for a similar issue, charged not posted but funds pending and they charged for XXXX $ over for all charges that posted if my account went into XXXX  for 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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CT

Complaint narrative:
This company central portfolio control report a debt without any contact previously for allegedly debt to Current Creditor : PLAZA SERVICES , LLC Original Creditor : XXXX XXXX Original Account # : XXXX Internal File # : XXXX Balance : {$1600.00} a dispute ownership of this account with the original snap finnance as soon this account appears in my report in XXXX they fail in conduct a investigation a sell this account to plaza services llc with the knowledge this account is incorrect and fraudulent whem a report cfpb in XXXX the situation they provide a contract from XXXX a never see before with information partial similar incorrect like address name variation for a service a never request or received after review the documents XXXX not recognizes but still using method against the law to collect this money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent on XX/XX/year> Dear Equifax, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to XXXX, the open date for this account is XX/XX/year>. XXXX is showing an open date of XX/XX/year> and Equifax is showing an open date of XX/XX/year>. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After I paid another entity in full and closed the account there were payments still going out to the company. I contacted my bank and discontinued the autopay and thought the issue was resolved. Then the payments started again, I called the bank and was told that I did not have authorization to stop the autopay because they were set up under my mothers ' name who had been deceased for more than a year and I provided the bank with her death certificate to have her name removed from the account completely and was told that her name had been removed, now here almost XXXX years later they now claim she was never removed and I would have to return to the bank again and redo it. I have cooperated with them time and time again, only to be told there is yet another problem. My mother never authorized anything because she was in her XXXX and I handled any and all financial matters for the both of us. She was XXXX XXXX XXXX XXXX XXXX  and the only document she ever signed was at the very beginning of us establishing the account, that is all ever. I have been lied to repeatedly and for the life of me can't understand why they would intentionally inconvenience me in every way imaginable. Unfortunately this is a small city and they are XXXX of the very few banks here that is world wide, so those of us that have a life a somewhat stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  with a balance of {$940.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.

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