vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account # XXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. Furthermore, despite inaccurately reporting to XXXX that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-20 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: MI

Complaint narrative:
TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.

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 2024-03-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/scrub> XXXX XXXX FIFTH THIRD BANK, N.A FIFTH THIRD BANK, N.A, XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> XXXX OF XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/year> WELLS FARGO AUTO WELLS FARGO AUTO, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.

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 2024-03-20 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I DO NOT recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Received bonus coupon code from Chase- if you open saving and checking account, put {$15000.00} and set up direct deposit you'll receive {$900.00} bonus in XXXX  days. I did everything step by step online ( including coupon code ) in XXXX, 2023. Didn't get any bonus. Call the bank and they said my coupon was never applied ( which is not truth ). Bank also said they can not do anything by the phone and suggest me to go to the branch and try to fix the problem there. But there is no guarantee and nearest branch is XXXX hours away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I submitted a wire {$13000.00} electronic wire transfer request on XXXX XX/XX/2024 ( 20 days ago ) from my Navy Federal account to another account I have with a different financial institution. The funds have not been delivered to my other account but deducted from my Navy Federal account on XXXX XX/XX/2024. 

The Navy Fed representative who initiated the transaction failed to properly process the request.

Navy Federal has claimed the wire was sent a few different times, but still no funds were delivered. Navy Federal has given me at least 4 versions of what the " facts '' are but I have not received the funds. Navy Federal has lied to me multiple times, hang up the phone on my a few times.

I have called the receiving bank numerous times and called Navy Federal countless times to try and locate the wire. I have visited a branch of Navy Federal but still no recourse.

I have asked countless times when I will have my funds again ; I was told Navy Federal has no idea if it will be a day, a week or a month because they do not control the process. I was told if I dont want to wait indefinitely my only other recourse write a letter and mail it to cooperate, then wait for a response. They claimed there isnt an email nor phone number to complain to other than the customer service number.

I need my money to pay my mortgage and other financial obligations, I am now late on my obligations and fees assessed. 

They have not provided much assistance and it has been XXXX days since my money has been missing. 

Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.

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 2024-03-20 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: PA

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
EXETER FINANCE LLC 25 POTENTIALLY NEGATIVE MONTHS Balance details 9 % paid off Balance {$12000.00} Balance updated XX/XX/XXXX Original balance {$13000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO PAYMENT HISTORY LEGEND Status Account charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$12000.00} Original balance {$13000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX XXXX  Months XXXX sold - Original creditor - Comments- Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was initially opened with EIN # Reported a few complaints : I was not able to login email address XXXX XXXX XXXX representative was never able to reset account and allow me to access my own online account by logging in using my email address. 
Representative also told me that my account had other devices that were linked to my business account. 
I initially opened the account using my XXXXXXXX XXXX not my social security # company is an XXXX and after calling XXXX several times since they escalated my account to the fraud departmnet regarding the other devices that were linked to my Business account they actually disconnected my account and now more importantly they actually reported the {$1200.00} that's owed as a Business with Ein # converted the account to a XXXX XXXX account and Ashercollections is reporting the {$1200.00} XXXX XXXX  I never provided XXXX with my social security # nor did I ever have a prepaid account. As a matter of fact you can't owe a balance on a prepaid account. The account myst be paid monthly. The business phone # was recycled and someone now owns my phone # Additionally, all phones were paid off. So I don't know how they came up with that balance. This issue has reduced my overall XXXX  score by XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
I bought a digital Google play gift card from a third party website which I have done several times with no issues. This time I went to Google play and attempted to redeem it and received an error and was directed to give all my personal information to the Google team. I have sent them everything I know of and they respond saying that due to inconsistencies the can't help me with redeeming it. This process has been repeated dozens of times and they now have too much of my personal information for me to feel comfortable while they keep my payments account locked. Now it has been over 6 months since I had access to my Google accounts. I recently requested to drop the case about the redemption of that digital card in question and just unlock my account. They keep directing me to fill out the same form that always fails only giving them more of my personal information. I lose out on the {$50.00} play credit either way so I just want access to my account. I have reached out to all Google customer service departments several times and they are not able to help me. Please use your authority to convince them to unlock my account. Thank you.

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 2024-03-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I canceled my account on XX/XX/year> and this company has been taking XXXX out of my account for an inactive platform that is deactivated since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am a known victim of identity theft. I have reported this information to the credit bureaus several times already but they ar3e completely ignoring my correspondence and not answering me AT ALL

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 2024-03-20 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:
I sent Transunion asking them for the description and procedure that was used in the verification of these accounts pursuant 15usc and how they updated these accounts. Transunion said on XX/XX/2024 replied that I should expect to receive those results in approximately 7 business days. It is now past 7 business days and they have failed to do so. " See attachments below '' Also my address of my Abode attachment below These accounts are not complete and accurate on my consumer report : XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX See attachment below. 

Transunion I would like to know what procedure was used in the verification of these accounts, not to mention the accuracy certificate pursuant 15USC 1681i ( 5 ) ( B ) ( 1 ) and the metro 2 compliance standard that used in the reporting of the verification of accuracy of the information.

15USC 1681i ( 6 ) ( B ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the contacted in connection with such information and the telephone number of such furnisher if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right under subsection ( d ) the the consumer reporting agency furnish notifications under that subsection.

15USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC 1681i ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief