vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-12 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: MD

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
So they denied me access to my online banking and when I called them they said my account isnt account is going to be closed and I asked them what caused you guys to close my account they said someone reported a XXXX transfer I said how could someone that was supposed to send me money report a transfer and you guys suddenly decide to close my account and so after that they gave me a closure date for XXXX the XXXX then they extended it to XXXX XXXX and then they extended it again to XXXX XXXX they keep extending the date of closure I just need my money from them thats all I desire

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 2024-08-12 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received XXXX notifications for collections in the amounts of {$730.00} and {$1100.00} from Midland Credit Management on XX/XX/year> and XX/XX/year>. I called and spoke to XXXX representatives requesting validation to the alleged debts. I requested copies of the original contracts with my signatures. I also requested the payment history, the address of the original creditor and proof of the debt assignment. They did not confirm if they had a license to be able to collect on this debt in Ohio, so I also requested the chain of custody for the alleged debt. Lastly, I requested the purchase agreement. I was informed they did not have this information so I informed them I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
I had XXXX back in XX/XX/XXXX. I paid a huge bill of {$3000.00}. I then got a notice from the hospital saying I owe more money back on XX/XX/XXXX of XXXX saying I owe {$4000.00} and that its due by XX/XX/XXXX. I told them I never received a bill, but the. Told me I cant even make a small payment because it was transferred to Certified Solutions, and that I should wait until I get a letter from them ( you guys ). I cant afford XXXX I would like to workout some plan but I need the bill first to see if this is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made a {$1000.00} zelle payment to a wrong recipient and immediately called my bank ( Wells Fargo ) to reverse the payment and they told me they will get back to me in 10 days. I waited after 10 days and called them back only to be told that they can not reverse the payment. I reached out to the wrong recipient but no response. Wells Fargo bank inability to help me was frustrating. I did not think they even investigated the case because they didnt contact me after the 10 days, I rather reached out before they told me nothing can be done. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation E applies to transfers made through XXXX. So, I would like the CFPB to help me reverse this payment. This is a lot of money and losing it is having a toll on my mental health. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: AZ

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-08-12 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: MD

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I called Citi Bank due to not being able to log into my account via mobile app or online portal. They informed me that my account was closed and that they would mail be a check / letter in XXXX. They refused to tell me any information. This was on XX/XX/XXXX. 
On XX/XX/XXXX, I called back asking to speak with a supervisor and they hung up on me. 

On XX/XX/XXXX, I received a phone call from the bank telling me that they suspected fraud on my account in the amount of XXXX. I DO NOT EVEN HAVE NOR EVER HAD THAT MUCH MONEY IN MY ACCOUNT. 

They are stating that I need to submit payment and that my account is closed due to fraud and being overdrawn. When I ask to speak to the fraud department, they hang up on me before they even transfer me over.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've recognized there are four addresses on my Experian report and profile of places where I have never lived before.

Under 18 U.S. Code 1028 Fraud and related activity in connection with identification documents, authentication features, and information is used and authorized without my authority.

15 U.S.C 1681b Anytime a creditor pulls a credit report they must have a permissible purpose.

18 U.S.C 1028 a Without permissible purpose from the consumer, that's aggravated identity theft. 

Fraudulent Addresses provided by Experian Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Under dispute Resident type Apartment complex

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 2024-08-12 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: AZ

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-08-12 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: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-12 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: CT

Complaint narrative:
I reviewed my credit report and notice fraudulent account on my file. I would like that account to be deleted 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 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
I called XXXX and XXXX to attempt to pay a " debt ''. I was told the only way I can do this is by paying a shady 3rd party credit site " a dollar ''. After doing this 3 times the lady on the phone became enraged and hung up. Today this scam lawyers office took XXXX  dollars from my bank account under the guise of a " credit repair ''. They stole my money and have all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
As per the Illinois Collection Agency Act, all collection agencies conducting business in Illinois must hold a valid license to operate in the state. I sent proof to Equifax that XXXX XXXX does not have the proper license to collect in the state of illinois, and should remove this from my credit. 

I asked Equifax to respectfully remove creditone llc from my credit report until the collection agency 's licensing status are verified. I also asked for documentation to support the validation of this debt and the authorization of the collection agency to operate in Illinois. Equifax has failed to provide me this information, as well as removing XXXX XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Duvera Billing Services, LLC
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: DISCOVER BANK
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I reached out with " I finished college in 1990, yet this shows a " start date '' 25 years later! I would like proof of the ORIGINAL loan amount/request/date from University of the XXXX XXXX Three decades for a loan that - as I recall- was under {$10000.00} is insane '' The response was only " Thank you for reaching out regarding your Account. 
I would be more than happy to assist.For more information on this subject please visit XXXX. We also recommend contacting the school in attendance. '' The response I received is completely inadequate. This company is attempting to collect a debt with they are either unwilling or unable to verify. 
I would like verification of that debt or remove that debt per 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX, XXXXXXXX XXXXDiversified Adjustment Service, XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXXReference Number XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute a debt that your company claims I owe to XXXX  under account number XXXX. I believe this debt is the result of identity theft, and therefore, it is not my responsibility to pay it. 

On XX/XX/year>, I received a bill from XXXX for this account, which I did not open or authorize. I have already contacted XXXX  to dispute the validity of this debt and have provided them with supporting evidence, including a copy of a police report. Despite my efforts, this issue remains unresolved. 

As this account is fraudulent and was opened without my consent, I request that you cease any further collection activities on this account. Additionally, I demand that you take the necessary steps to ensure that this debt does not appear on my credit report. 

Please consider this letter as a formal dispute of the debt. I also request that you provide me with the name and address of the original creditor, along with any documentation that proves I am responsible for this debt. 

I appreciate your immediate attention to this matter and expect a response confirming that this issue has been resolved and that you will no longer pursue this debt. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime locked my account for suspected fraudulent activity and will not let me have access to my account without verifying my identity. 
On multiple occasions over the past week I have contacted Chime via phone and email to find a resolution to verify my identity I call the customer service number and they read a script no matter what I ask it's all scripted every customer service agent I spoke with gave me the same exact word for word answer. Then they sent me link via text message to upload a picture of my XXXX  Carolina XXXX issued drivers license front and back along with a selfie. When I did that they would tell me they could not complete my request to wait for an email and follow the instructions. I receive a scripted form letter and it tells me to contact customer service that they will help me resolve my issue. All the money I have is in this account and I can not buy my basic necessities to live. I havent eaten in 4 days now I haven chronic XXXX and this situation that Chime is putting me through is becoming too much for my mental state. I have sent Chime email after email begging for help and no one is reading my emails and just sending back the same generic form email. I can proved copies of the emails that I have sent as well as the emails they have responded with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: VA

Complaint narrative:
I have recently pulled my credit report and noticed that there is collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together.Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with explanation