vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to XXXX XXXX who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt.

I believe these fraudulent activities are a direct result of the XXXX data breach which led to Transunion, XXXX, and XXXX having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
MRS BPO {$510.00} According to FCRA section 605B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 100 % 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 2024-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
The company XXXX XXXX XXXX XXXX shared my account information with a third party named Source Receivables Management of {$710.00} on XX/XX/2024. According to 15 U.S Code 6801 ( A ) my rights have been violated by the financial institution by not protecting my security and confidentiality of my nonpublic personal information. Also, according to 15 U.S Code 6802 ( B ) I would have to give XXXX XXXX the permission as I am the consumer to share my personal information to this third party which I didn't get the option to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I signed up for debt relief with National Debt Relief after a series of banks deliberately weaponized the XXXX system and destroyed my credit score ( all of which is documented on the CFPB website ) and I have never been able to financially recover from this devastating blow and I was forced to enroll in a debt relief program or file for bankruptcy. I agreed to a bi-weekly settlement that totaled about XXXX dollars a month. I also put XXXX XXXX  money in the account to start with. I agreed to some of the settlements of some offers but some were so low that I could not agree and I constantly complained to XXXX about the fact that these banks and credit card companies are the reason I am in this situation and it that it was unfair that I should have to pay anything at all to the very criminals that I was complaining about that had blatantly been retaliating against for over 2 years. And then just last week XXXX attempted to make me pay XXXX dollars more per month to cover a short in funds that arose due to their mismanagement of my account. They are requesting in total another XXXX XXXX dollars and want to increase my bill an additional XXXX dollars a month or XXXX every XXXX weeks I told I could not afford the monthly withdrawals as it was and explained I did not have income and that they are depleting my savings that I am living off of and now they are asking for more with no explanation as to what happened to the seed money or the or funds that were supposed to be spread out over 3 years to cover the entire proposal. I refused the increased settlement offer at first and they tried to negotiate with me and said that they would only take out XXXX dollars a month and I reluctantly agreed to the increase of XXXX per month but what he meant XXXX dollars every XXXX weeks so instead of XXXX it was XXXX extra a month and when I saw the new proposed pay rate he sent in an email I refused it and told him he bait and switched me and I did not approve the settlement offer at that time I was so angry I hung up on him. Then XX/XX/XXXX, an extra XXXX dollars was taken out of my account without my consent. 
I demanded a refund and sent them a Cease and Desist letter. This is unacceptable I am a victim of these banks and this company is working with these criminals to scam me now too on their behalf!! I don't feel I should have to pay anyone for anything at this point my debt should have been forgiven and my credit restored 2 years ago when I first launched the complaints against the banks and XXXX. But since this agency is incompetent, corrupt, and incapable of doing the job expected of them, banks, and credit reporting agencies and now credit management companies can break the law with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 received XXXX hard inquiries on my credit profile that were unauthorized by me there were XXXX from XXXX  XXXX and XXXX from XXXX  XXXX  company I contacted the credit card companies involved as well as the credit bureau and the credit card company agreed to remove the inquiries but Experian has yet to remove them

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I purchased an item from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and the store clerk asked me for my email and phone number then used my Visa debit card from Wells Fargo Bank to process the transaction. This is the only item I have purchased from XXXX XXXX in the past few years and the product was only {$10.00}. On XX/XX/year> I noticed a fraudulent charge in my Wells Fargo checking account for the amount of {$860.00} from XXXX XXXX. I quickly called Wells Fargo Bank and disputed the charge. On XX/XX/year> I received a statement from Wells Fargo Bank " We have completed our research onto the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/year>, we will deduct the provisional credit of {$860.00} previously provided to you. Please consider your claim closed. '' I quickly called Wells Fargo and asked why they denied my claim and they said whoever made the purchase from XXXX XXXX had my email, phone number, and credit card number and this counted as proof it was me. I then advised this was not proof, because XXXX XXXX has this information already on file. They still declined the claim and would not budge.

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 2024-08-17 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: AZ

Complaint narrative:
Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them. 

**Fraudulent Accounts : ** XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX  XXXX, XXXX To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - XXXX ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue. 

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am disputing this accounts with XXXX XXXX XXXXk XXXX, XXXX, and XXXX entirely. I am a victim of Identity Theft and requesting application records, signature cards, address ( s ) on file, address change, phone number on file, email on file, full banking records and statements for the past 7 years, copies of any signatures, cosigners, co-applicants, photo copies of all checks, authorized users, any signatures or authorized users on file both electronically and wet, all copies of withdrawals, transfers, and any documents, or transactions that is found linked to these accounts and others if applicable for XXXX XXXX or XXXX XXXX XXXX XXXX. or my social security number and birth date. 

I have an ongoing criminal investigation with the XXXX XXXXXXXX XXXX XXXX  Case # XXXX and XXXX # XXXX. This is only the beginning of my Identity Theft as It was just discovered. Theres more but until the investigators do their due diligence, and the financial accounts cooperate, theres not much more I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
im being reported for account abuse for a account in the amount of {$150.00} for a account i have no clue of at XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In brief, my wife was taken in by a group that went through a lot of trouble to make her believe she was being interviewed by the hiring manager of a real company and had subsequently been hired. Throughout the process, they provided her with a check to deposit which was to be used to purchase supplies needed for the job. The check ended up being fake but before we realized it, before it bounced, the hiring agent had my wife make purchases with " vendors '' they work with using XXXX and XXXX accounts. The check bounced and the bank ( USAA ) refused to put a hold on the money that was transferred out. They now expect me to come up with the {$4900.00} to XXXX  out my savings account. 
I have lots of evidence ( screenshots and the like ) of how this fraud was committed. The timeline and our actions demonstrate that we were the ones who were taken advantage of. For the bank to allow these scam artists to keep the money, when they can reverse or stop the transaction, I believe makes them culpable in the fraud. If I had written someone a bad check I would be punished. In this instance, we were given a bad check and we are being punished. Where is the justice?

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 2024-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is failing to indicate whether The account : [ XXXX XXXX ] [ XXXX ] has been sold or if it has been sold. this is a misrepresentation of the account status This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : [ 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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been receiving numerous calls over the last weeks for a XXXX XXXX XXXX at my phone number XXXX. 

I have explained to each and every caller that ( XXXX ) I am not XXXX XXXX and ( XXXX ) he can not be reached at this number. 

But the calls keep coming. Another call was just received from XXXX. The agent finally connected me to the supervisor who gave me the company name, address and Web site. 

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll free # XXXX I contacted them by email and just received the following response, even though all the information was contained in my original message to them : We are in receipt of your email dated XX/XX/year>. 

" We have researched the matter and discovered that we are unable to locate any record in our system with the information provided by you. In order for us to move forward please provide us with the phone number you have been receiving calls. Credence apologizes for the inconvenience caused to you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
There is showing that I was 30 days late on a payment but the account was paid off and closed in the same month

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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX continues to try to reach out to me to try and get me to pay this debt. 
I have repeatedly told them I am unable to pay this debt. That I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my funds are EXTREMELY limited due to court costs. 

I emailed them on XX/XX/XXXX, informing them that I would be able to pay a very small portion if they wanted to settle. Because I will be signing a plea deal soon and heading off to do my time.

After this email, I recieved a phone call on XX/XX/XXXX and reexplained the situation, but said I could not make the payment plan they were willing to offer and to please stop calling. 

On XX/XX/XXXX, a different associate reached out and I continued to tell him i was in a public place and couldnt talk but he kept pushing to get my info updated in the system etc etc. I was in public and could not discuss my debt/situation with my legal charges.

I again was offered a payment plan and explained, no i will not be able to pay this bc I will be in prison. and no I can not afford what they are requesting me to pay this off.

They called again on XX/XX/XXXX at XXXX XXXX exactly. They called that same day on XX/XX/XXXX at XXXX. 

They call from different phone numbers everytime, so I only know it is them if I answer or they leave a voicemail. 

XX/XX/XXXX, I had a call I am assuming was Spring Oaks at XXXX. 
And another that same day at XXXX XXXX. 

XX/XX/XXXX, I had a call from another random number at XXXX. 

They call from different area codes/phone numbers Not only that, I have requested via email a statement from XXXX XXXX so I can see the total amount that was owed when sold to collections. 

I do not have a final statment fro XXXX and can no longer sign into my account. From the emails I do have from XXXX my credit limit was no more than XXXX XXXX XXXX. So I do not understand the amount they are trying to collect from me. 

My XXXX account was set up with electronic statements only available through my account. 

I have received no breakdown/proof of the total of this debt and feel harassed. I have tried to explain that I can pay a small portion of the debt to settle before I go to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have credit cards opened in my name that I did not authorize. My birthday is wrong on my credit report. I just turned XXXX last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting Experian regarding credit-reported information on the credit report that is reporting inaccuracy on the credit report. According to the FCRA Fair Credit Report Act, the right to Privacy under ( 15USC1681, A,4 ) impartiality accuracy reporting. Late payment is not legal ( 15USC1681 S-3 ) and ( 15USC1681 section 602 A ) may not treat a payment on credit account on a consumer report as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section ( 1637 B ) of this title is mailed or delivered to the consumer no later 21 days before the payment due date ( 15USC1681A,2, A,1 ). Compliance procedures ( 15USC1681E, B ) should be reporting the maximum possible accuracy ( B ) accuracy of report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates, background report.

I am requesting the removal of the accounts listed below in the ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual 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