vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> my debit card and pin number were used fraudulently to purchase a meal for {$200.00} at XXXX XXXX XXXX XXXX  an establishment that I have never visited. I believe that my debit card info was spoofed and then used to make purchases. On XX/XX/year> I noticed the unfamiliar charge. I found the restaurant by name online and viewed pictures of the establishment to ensure it was not a place I had ever visited. I confirmed that i have never been to XXXX XXXX XXXX XXXX. I then called my bank and reported the fraudulent activity, had my debit card closed and had a new one sent to me. Chase bank initially refunded me, but then later reversed the charge claiming that it was an authorized charge because it was made " chip to chip. '' I again reported that I had never frequented this restaurant and that this was a fraudulent charge. They re-opened the case, refunded the money. XXXX weeks later, they responded and again said that this was an authorized charge so they took the funds away from me. I did my due diligence and reported the unrecognized charge promptly. Chase bank will not listen to me and are blaming me when someone spoofed my debit card info and used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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 am writing to formally dispute and request the removal of several fraudulent accounts listed on my credit report. These accounts were opened without my knowledge or consent and do not represent any authorized activity on my part. I have taken extensive steps to address this issue with the institutions involved, and they have confirmed that these accounts are fraudulent. The institutions holding these accounts have agreed to delete them from their records and support this claim with an FTC Identity Theft Report, which I have enclosed as additional documentation. This report verifies that these accounts were opened under fraudulent circumstances and should be immediately removed from my credit file under the protections offered by the Fair Credit Reporting Act ( FCRA ). The continued presence of these fraudulent accounts on my credit report is causing me substantial harm, as it misrepresents my creditworthiness and affects my ability to obtain necessary financial services. Given that the institutions in question have agreed to delete these accounts, I respectfully request that the credit bureau promptly updates my report to reflect these removals. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

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 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 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-08 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: CA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
when I purchase this home at XXXX XXXX XXXX XXXX XXXX, Md. XXXX. 
After putting a contract and money down on the home. I was told and given a list of repairs to do to the home. after all the repairs were done. A for sale sign and start showing the house again after a contract. They put the sign back in the front yard. 
With a list of repairs. and pictures. 

After calling my agent and the financing officer, I was told not to worry. I will get all my money back XXXX XXXX said I am still waiting. It's never too late for money! 
I'm still waiting for my money.

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 2024-11-08 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i currently have a TRANSUNION subscription. Every time I begin to file a dispute online along with supporting documents ... this online service allows me to do so based on my subscription. I get an error message indicating an open dispute was filed on XX/XX/2024. I am filing a complaint on their product and issues of not being able to self-file my dispute with docs on their website.

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 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
an account was opened... which i wasnt not aware of .. i called Southwest credit systems to dispute this and no one answered.. i went on their website per instructions to dispute no later than XX/XX/year> which i did .. and they violated my consumer rights and still went and reported me to the credit bureau of experian XXXX which i file a dispute to delete and i may pursue other charges against this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-08 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 am writing to formally declare that I am a victim of identity theft and to demand the immediate investigation and removal of unauthorized accounts from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required by law to investigate disputed information and verify its accuracy. I am exercising my rights under the following FCRA sections and expect immediate compliance : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section mandates Equifax to investigate disputed information. I demand a full reinvestigation of each account listed below, as I have never authorized or held these accounts.

FCRA Section 611 ( a ) ( 5 ) ( A ) : If Equifax is unable to verify the accuracy of any disputed item within 30 days, it must promptly delete the item from my credit report. If the following accounts can not be fully verified, I demand their permanent removal.

FCRA Section 611 ( a ) ( 7 ) : I am entitled to a detailed explanation of the methods used to verify each item. I expect a full response, including the name and contact information of the original furnisher, or any party that verified these items.

FCRA Section 609 ( e ) : This section obligates Equifax to block and remove fraudulent information from my credit file when identity theft is reported. I am submitting my FTC Identity Theft Report and proof of identity in support of my request for an immediate block and removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXXXXXX XXXX  on XXXX XXXX XXXX .account opened on XXXX XXXXXXXX XXXX XXXX  on XXXX XXXX account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I requested repayment for over {$4000.00} in the overdraft fees. And they never returned it to me in all the years that I have been a customer. And I have been a customer with them for over ten fifteen years. They were very rude and they suggested that I just closed my account with them and they can keep my money.

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 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/year>, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided. Following my initial communication, I received collection notices from various entities, including XXXX XXXX and Resurgent Capital Services, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/year>, I received an email from XXXX XXXX, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion. On XX/XX/year>, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/year>, I received another collection notice, this time from Resurgent Capital Services, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion. Most recently, on XX/XX/year>, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question. I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought. I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns. I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency. 

They have sent statements of a debt, but have yet to provide the assignment contract or the copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I am experiencing issues with inaccurate information on my credit report across TransUnion, XXXX, and XXXX. Despite contacting each credit bureau directly to resolve these inaccuracies, they remain uncorrected. Specifically : 1. **Unauthorized Credit Inquiries** : Several inquiries were recorded without my authorization. These were noted on various dates between XXXX and XX/XX/XXXX. I have requested removal of these inquiries, but they have not been addressed by the bureaus. These inquiries impact my credit score and are not a result of any action taken by me. 

2. **Negative Account Inconsistencies ( XXXX XXXX XXXX ** : I have a charge-off account with XXXX XXXX that is reported inconsistently across the three bureaus. Key details such as the account balance, high balance, last activity date, and closed date vary between XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act, I requested that these inaccuracies be verified or corrected ; however, they remain unresolved. This incorrect information negatively impacts my credit profile. 

3. **Outdated Address Information** : Each bureau lists previous addresses that are no longer accurate. I have requested that only my current address, as of XX/XX/XXXX, be retained. The credit bureaus have not acted on this request, resulting in continued inaccurate reporting. 

I am seeking assistance from the CFPB to ensure that these issues are thoroughly reviewed, as the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ) to provide an accurate 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 non-monetary relief