vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: MA

Complaint narrative:
On XX/XX/year> at XXXX PM, I received a text message from an alleged debt collector, stating that I owed a debt of {$67.00}. There was a message sent previously ( XX/XX/year> at XXXX PM ) that I had not seen. ( I've attached the text messages below ). I know that I had no outstanding debts except my credit card. Something seemed off about the formatting as well. So, I decided to leave the links alone, despite how curious I was, & investigate further. I googled the company collecting this supposed debt, XXXX XXXX XXXX XXXX. The number in the text seemed to match the one on their website. I chose to call their consumer hotline ; if they were a real company, that seemed like the appropriate place to raise an alert. However, when I called, I was bombarded with information about medical devices. I tried to explain why I was calling multiple times but kept getting talked over, cut off, and transferred. I was transferred twice before I spoke to a real human named XXXX XXXX I'm not convinced that the other " agents '' were real people ) from a COMPLETELY different company- Life Protect XXXX. They claim to be a legitimate company & have an A+ rating on BBB ( this is what XXXX XXXX me ; I did not verify ). I guess they provide " free '' medical devices that they harass people into signing up for. Even though I explained that I was sent a suspicious text regarding a debt I owed ( which I believe to be utterly made up ) and didn't understand how I even ended up getting transferred to this medical device company, he was still trying to push this product that I explicitly stated I did not need. When I wouldn't budge, he attempted to transfer me AGAIN. My experience felt like a hassle ; I can only XXXX what it must be like for senior customers whose defenses XXXX not be as strong. It felt extremely predatory. 

I'm not entirely sure what the connection is between these XXXX companies, or how the debt-collecting text plays into it, but it just doesn't smell right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inaccurate reporting, the account attached is in litigation. Under the doctrine of Estoppel by silence, ENGELHARDT v. GRAVENS ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My account with XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-08-15 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank is advertising its XXXX XXXX co-branded credit card in the website during booking a ticket but unlike other credit cards, you do not get an online card number which can be used to book the same ticket. In essence, the advertisement is misleading because it lead me to believe that I will be able to apply and use the card to purchase the ticket. Unfortunately not only was I unable to purchase the ticket using the credit card but the airline increased the price of the ticket after applying for it. Also, I got a hit on 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 explanation
Consumer complaint received 2024-08-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my credit report, despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my credit report has caused significant harm to my credit score and financial standing.

Despite submitting multiple disputes directly to Wells Fargo and the credit bureaus, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my credit. This action violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my credit report. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial harm. 

Wells Fargos refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, FCBA, and the Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ).

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MS

Complaint narrative:
NRA Group , LLC of Nevada aka National Recovery Agency contacted me by way of text message on XX/XX/year> at XXXX on my cellphone without my expressed permission in violation of federal law. I notified them to stop using their system of notification. NRA Group confirmed receipt of my notification to stop on XX/XX/year> at XXXX and notified it would not contact me again. The company 's system did not unsubscribe my number in accordance with federal law. NRA Group , LLC contacted me by text again on XX/XX/year> at XXXX hours after being notified in writing not to. I again notified NRA Group , LLC in writing to stop on XX/XX/year> at XXXX hours, which NRA Group , LLC confirmed receipt of at XXXX hours. NRA Group contacted me again by cell phone text on Thursday XX/XX/year> at XXXX hours, and I notified to them in writing to stop at XXXX hours on XX/XX/year> and received confirmation receipt of the same from NRA Group at XXXX hours. NRA Group again contacted me by cell phone text on XX/XX/year> at XXXX and I texted them to stop at XXXX hours. They confirmed receipt of the same at XXXX on the same day. NRA Group , LLC again contacted me by cell phone on Wednesday XX/XX/year> at XXXX hours after having been notice to stop all contact. All events occurred in violation of federal law and in the State of Mississippi with the exception of XX/XX/year> which happened in Louisiana.

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 2024-08-14 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:
XXXX XXXX Account # : XXXX FCRA Section 611 requires that information be accurate and verifiable. Credit report shows {$0.00} for monthly payment and balance. If the account was active and had payments or balances, reporting {$0.00} might be incorrect. Accurate reporting of balances and payments is essential under the FCRA. Under this FCRA laws I demand this inaccurate account be removed immediately for reporting inaccurate information on my credit report and I demand a written letter once this account is 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 explanation
Consumer complaint received 2024-08-14 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a Self-attestation letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These late payments dont match my usual on-time record. Please remove them and update my accounts right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I saw some fraudulent accounts on my credit report. Can you please take them off? Theyre impacting my credit score.

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 2024-08-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-15 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: FL

Complaint narrative:
I was disheartened to find unauthorized inquiries on my credit report tonight, and Im at a loss as to how they got there. Checking my credit report is something I do regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries remained. I'm extremely frustrated by this and urgently request that the documents Ive submitted be reviewed carefully so that I can finally put this concern to rest.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-14 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My husband sent me XXXX from brokerage on his XXXX account to my Wells Fargo account. After 5 business I called the local branch for them to tell me it can take up to 10 business days to receive. After 10 business days I called again for them to say it's under investigation. They said they sent the money back to my husband 's brokerage account. After 5 business days XXXX informed my husband they have no knowledge of a transfer incoming from Wells Fargo. I called Wells Fargo to get the wire transaction number to help XXXX track it down only to be refused and told its under investigation and that someone will call me back at a later 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 explanation