vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
I currently pay XXXX $ every 2 weeks. I havent revived a statement every 2 weeks like Im suppose to. The last statement I got was5/17/2022. I have contacted the company several times even spoke to supervisors. They keep saying the statement has been mailed out. We confirmed they had the right address and still nothing. Tried to get in text messages the first time didnt receive nothing that way either. Im very annoyed that I can not see what is being applied to my loan and if this is not handled I will be speaking to a lawyer to have him contact the company. key 2 Recovery has been an awful experience and they need to learn how to communicate and handle problems better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

Complaint narrative:
Consumer Finance Protection Bureau XX/XX/XXXX On XX/XX/XXXX we suspected fraud on our Wells Fargo Bank Account. We called the Wells Fargo Customer Service Number on the back of our Debit Card. Our call was intercepted and diverted by scammers to themselves. They posed as Wells Fargo Fraud representatives. They said they were there to help us secure our money. During that process they stole {$25000.00} from us via a wire transfer. 

We totally trusted them! We thought we were talking to Wells Fargo Employees! The scammers were able to intercept our call and divert it to themselves and operate as though they were Wells Fargo representatives. 

They said an online XXXX Gambling site was trying to steal our money. They said, they had set up a virtual bank account. We were to send $ XXXX via a wire transfer to protect us from losing it. 

On XX/XX/XXXX we brought this situation to the attention of a Wells Fargo Banker. She said the call, which we made using the number that is on the back of the debit card, showed up on their call logs. This Banker also said the wire transfer was done incorrectly. Upon reviewing the paper work for the wire transfer, she said a second person did not sign off on it and there was a lack of a pin number. She said, she would have never let it go through! 

We strongly believe that Wells Fargo should credit the $ XXXX back into our checking account. 
1. We followed the proper protocol, in calling the number listed on back of the Debit Card.

2. Their Customer Service Number was not secure at that time.

3. Mistakes were made on the wire transfer. It should have never gone through.

4. If the call to the Customer Service Number had been secure and gone to Wells Fargo, this situation would not have happened!

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, TransUnion, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX TransUnion LLC CFO, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc CFO, XXXX XXXX XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period.

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX XXXX - XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I was contacted by mail about a debt on XXXX XXXX. I responded to the message via mail on XXXX XXXX. In that message I authorized the company to communicate with me via mail and no other means as is my right per FTC regulations. I received a letter in the mail dated XXXX XXXX. This was a response to my previous communication in which Medicredit recognized that they had received and understood the communication. I received a phone call from XXXX XXXX XXXX XXXX ( which is the phone number of XXXX as listed on their communications ) on XXXX XXXX  regarding the collection of the debt. This phone call was made after the company had received my explicit request to cease communication other than that through mail. I believe this to be a violation of the The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, has violated my rights 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 an account without my written instructions

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, has violated my rights 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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 an account without my written instructions.

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX XXXX - XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX XXXX - XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.

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 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  credit card is showing up again on my credit and its reflecting a negative remarks ; however back in XX/XX/2021 I saw this same account and they closed the account but now it has popped back up

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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX this is an account that I owe to XXXX XXXX what is the wrongful practice that above collection agency doing? 
They have practice of renewing " Newly Reported Date '' so the account stays in the burrowers credit report for indefinite period of time. Which in return this debt won't fall off after 7 years. 
This month they reported again as new debt collection, XX/XX/2022. 
I'm not the only victim here. 
Very aggressive debt collector. Bought debt off of XXXX XXXX  now trying to maximize the book for themselves. 
Do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 usc 1666 d treatment of credit bal. refund demanded, 18/ usc 8 obligations of the u, s, a please no more 15 usc 1692 j XXXX. forms, block remove infor and delete fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022, I received a debit card from Discover Bank. I was concerned because I do not have an account with Discover Bank. I immediately called Discover Bank to let them know that the account was fraudulent. Instead of closing the account, I was transferred to their fraud department which over a two-day period, I spent more than six hours on hold trying to speak to someone. One time, after being on hold for XXXX hours, I was disconnected and had to try again. Once I finally got to speak to someone late at night on XX/XX/XXXX, I was told that the account would be investigated but not closed immediately. When I asked when it would be closed, I was told that I would have to fill out some paperwork which I would receive in the mail. I have not received any paperwork in the mail, so as far as I know this fraudulent account which was opened on XX/XX/2022, is still open. I am also concerned that my identity was used so easily to open a fraudulent bank account with Discover Bank even though I have had a credit freeze with all credit bureaus for several years. I froze my credit because my personal information has been compromised in the past which was caused by security and data breaches at different companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX accounts : STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** STUDENT LOAN Account # XXXX **** XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Have violated my rights. 

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 : States a consumer reporting agency can not furnish a account without my written instructions. I have not given these people written instructions to furnish my information. I would like a proper investigation done and these accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed three disputes with Experian for charged off accounts that were sold to third party collection agencies but are still reporting a balance from the original creditors. This is a FCRA violation. Experian chose to allow the reported original creditors to continue reporting a balance despite the FCRA requirements for how charged off/sold accounts should be reported on credit reports. 

The accounts include the following companies : XXXX. XXXX was sold to XXXX XXXX in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX in XXXX 
XXXX. XXXX 's XXXX XXXX was sold to XXXX in XXXX 

My dispute results verify that Experian is allowing the companies to continue to report ( see attached ). Also attached are copies of the collection notices that I have received from the third-party agencies which validates the accounts were sold.

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation