vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX  XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE RECENT INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - DO NOT DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal information Also Known XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX, XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX, TX XXXX Employers XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
information on my report has error and misleading

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 2024-11-05 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: FL

Complaint narrative:
information on my report has error and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. XXXX/account : XXXX XXXX. XXXX/ account : XXXX XXXX. Address : this address is not mine ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: EQUIFAX, 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 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 explanation
Consumer complaint received 2024-11-05 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. Comenity Capital Bank, XXXX and XXXX 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested.

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.

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 2024-11-05 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC was sent debt of validation letter, in which they provided statements & the terms and conditions. I then sent a letter asking for the method of which they used to verify the debt w/no response back to that letter. Which I attached in the original complaint. Complaint ID XXXX. Also, I requested the purchase agreement as well as the chain of assignments be provided to me as well, and I have yet to receive that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 false information consists of an unauthorized inquiry with XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.

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 2024-11-05 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX  XXXX XX/XX/XXXX {$280000.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5100.00} - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} - XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX XX/XX/XXXX {$0.00} - XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX XX/XX/XXXX {$4700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish any data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceeding XXXX Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has charged a total of {$290.00} in fees to my account since opening. This includes a late fee which was imposed when their system took over a week to post a payment which was made on time. 

They have also charged {$120.00} in cash advance fees and interest on a purchase made at the apple store. This is not a cash advance. 

It seems their business model depends on excessive, dishonest small fees. For consumers, it is not worth fighting {$20.00} here, {$40.00} there. The XXXX XXXX dollar fine in XXXX  was not sufficient. These fines are part of their business model ... if they can charge XXXX XXXX in erroneous fees, then a {$35.00} XXXX fine makes sense. I have never had these types of issues with other banks. I am washing my hands of wells fargo, but hope this report helps to hold them accountable.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitalone put restrictions on my account till I visit a branch and verify myself. Been to the branch 3 times for XXXX hours each time and verified all and they still refuse to release my bank balance and close my account till the investigation is complete. Meanwhile XXXX XXXX closed my account cause capitalone rejected the payment from my account. Still sitting now in the branch trying to get my account closed and my funds returned XXXX banker and still nothing. Please help. 
Went to another bank to open new account and they needed special verification as capitalone flagged my name in the banking system as fraudulent. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The company sent some form of a letter stating the car was sold for over $ XXXX and never updated the accurate amount and for years have had the wrong balance causing me to dispute it as incorrect. Then they sold the account and both them and the other company put it on my credit at the same time. Exeter Finance and another company had the debt and two different amounts. 

In the pictures attached you can see even the balance being {$6200.00} ( which isnt the price after the vehicle was sold ) on the XXXXXXXX XXXX XXXX  file that Exeter Finance sold it to saying the balance is {$7500.00}. Exeter Finance is reporting AT THE SAME TIME wrong off {$9200.00} with a now balance of {$0.00}. This is completely inaccurate information. 

Under 15 U.S.C. 1681s-2 ( a ), Exeter Finance is required to provide accurate information to credit reporting agencies. Since Exeter Finance has failed to comply with this code by not updating the balance after my repossessed vehicle was sold, I am requesting immediate removal of this inaccurate entry under 15 U.S.C. 1681c ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In XXXX of 2024  my account was restricted due to a levy being placed on it by the Wisconsin Department of revenue. They placed a one time levy and took the money that was in my account. I spoke to the Wisconsin Department of revenue and they advised that the levy should be lifted in my account should not be restricted anymore. I reached out to the bank. They are stating that its still being investigated and they have no update for me. My account is locked. I cant use my account or take any money out of my account. Its going on XXXX months now and they are not supplying me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: MD

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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