vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
The fraudulent lender on my most recent report is COMMONWEALTH FINANCIAL and Their contact number is XXXX. I called and spoke with the company. Apparently these charges were for a property located on XXXX XXXX. I am not associated with that property. The person who received medical care does not fit the description of anyone in my household nor do they live at my address. This is a fraudulent charge against me. I have always maintained excellent credit and dont want this fraud to impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: SD

Complaint narrative:
There is a debt from XXXX XXXX with this company. I have contacted them I was able to pay at that time but they declined to take a debit card payment for the total amount due that day. I felt uncomfortable that the company may not be legitimate as it seemed suspicious a collection company is not able to accept a debit card payment to resolve a debt in full so I told them I would research them and make sure this isn't a scam. I have not reached back out yet. However, Credence is calling me about daily multiple times a day to my cell phone which I do know is legal. However, today XX/XX/2023 I received a call to my cellphone while I was working so I sent it to voicemail to not interrupt my work and credence immediately called back in less than a minute from the call I originally rejected. Now I am at fault for my debt however I will not accept being harassed and being repeated called when I am unavailable. I know hanging up and redialing in minutes is against collections regulations and I would like to report this behavior and make sure it is put to a stop. 
Company - credence XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These addresses should be blocked and removed from my credit profile.

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 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. My working E-mail is XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: OH

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-05-09 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: OH

Complaint narrative:
I sent a letter on XX/XX/2022 to Experian. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I sent out two letters to Portfolio Recovery Associates LLC in regards to two collection notices that I have received from them about debts they want me to pay them for, claiming I owe. The letters I sent out was asking for validity that the debt is mine. I asked for the original contract with who I signed with, original creditor information, payment history of the account, proof of ownership of this debt, and proof that their company has a license to collect debts in the state of California. They sent me credit card statements from XXXX XXXX XXXX  and XXXX XXXX. No other information in regards to the letter I sent asking for validity of these debts being mine or if they are licensed to collect debts in my state. I don't know if this is a real company or not. I might be getting scammed by whoever this is claiming to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I started the loan assumption process in XXXX of 2023. I filled out all the paperwork that they required and mailed it. I followed up a couple weeks later because I had not heard anything. They told me that they had lost the paperwork. I then found out I could email the paperwork instead of mailing it so I did that XX/XX/XXXX. Neither I nor the assumer has gotten any communication from Mr Cooper. I have called every single week and all they say is that it is in the funding stage and they should be reaching out to the assumer. The assumer has not been contacted by Mr Cooper by mail or phone or email. I tried to get a manager to call my XXXX and they said the latest I would get a call back is XX/XX/2023. I have not received any callback on this. I have tried everything I can do but they wont give me any real updates and they wont give me a point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I really do not know why this is happening... it may be because someone either used my information, or potentially someone with the same name as mine, even by error that the company refuses to admit, but I have reached out to the company multiple times, and I have disputed the information on my credit reports ( XXXX, XXXX, and XXXX ). The problem is that the company is refusing to remove this charge. I was a client there, but these charges are not mine, and as described to me, some of the charges are for FUTURE XXXX XXXX. The medical office policy is that the charges are paid for at the time of service, so it is impossible that there would be any unpaid balance. Whatever the reason, I would like this resolved. I have perfect credit and I always pay my bills on time, and this is a blemish that I do not deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2023 there was an unauthorized wire transfer of {$14000.00} out of my checking account. It was sent to XXXX XXXX XXXX out of North Dakota. On XX/XX/XXXX, I noticed not only that wire transfer, but XXXX transfer from my savings account to my checking account. XXXX for {$6500.00}, and another for {$7500.00}. And yet another wife transfer of {$14000.00} being processed. I called Chase immediately they instructed me on how to attempt to stop the wire. They opened up a secondary checking and savings account and moved the little remaining balances I had. So now, in 2 days I have a total of {$28000.00} missing out of my accounts. Chase told me theyd attempt to reach the receiving bank to have the wire transfers reversed. They then told me to wait XXXX business days. On XX/XX/XXXX I received a notice that they concluded that I benefited from the transfer, or I authorized it. I clearly did not do either. There is no mention of trying to reach the receiving bank and being unsuccessful. This leads me to believe there was in fact no attempt made. In addition, they charged me {$25.00} per wire transaction. My account is set up for fraud alerts, I received no phone calls or text messages when this was happening. The activity on my account was clearly out of the norm and should have been flagged. Im a XXXX veteran, and Ive worked very hard for my money and now its just gone. I hope whoever reads this, acknowledges that there needs to be better protections in place for consumers. I have attached the account transactions that show the wire transfer numbers. XXXX of the transactions states reversal of unauthorized wire transfer. I have also enclosed the person and banking info the wire went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX | Date of Birth : XX/XX/1995 Dear Experian, I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) and to offer a final written settlement before pursuing legal action. As you are aware, inaccurate, unverifiable, and invalidated information remains on my consumer file, despite my previous attempts to have it removed. As a result, I am entitled to pursue litigation and seek monetary damages under FCRA Sections 616, 617, 1681n, 1681o, and 1692k. 

I demand that you immediately delete the following inaccurate items from my credit report : Current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Account involved in litigation with incorrect high balance, inaccurate date of last activity, re-aged accounts, reinsertion without proper notice, an undated late pay, a charge-off listed as open, and a collection account with a limit. Please remove this account from my credit report. 
Late payment incorrectly reported on my XXXX account. The account was paid as agreed. Please remove the late payment from my credit report. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Despite my requests, you have failed to provide me with any original documentation, nor have you provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' I demand that you comply with the FCRA and delete the inaccurate information immediately. Failure to do so will result in a formal complaint to the Federal Trade Commission and litigation to enforce my rights under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of Inquiry : XX/XX/2023 2Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 2023-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello! XX/XX/XXXX I sent two amounts of {$25000.00} and {$28000.00} to an account with Wells Fargo bank to pay the down payment of buying a house with XXXX On the same day I find out that the recipient 's account details that I received into my account were from a scammer XX/XX/XXXX I filed a complaint about the suspension of payment Also connected to the FBI, this organization has frozen these funds Since XX/XX/XXXX, I can not receive these funds in my account. I came to Wells Fargo bank several times, wrote letters and complaints, but never received the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I have sent all the proof that you requested to verify me and you keep on sending letters asking for the same things. I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 

First Name : XXXX XXXX Last name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I also send a copy of the police report to you guys and I will attach a copy of it to this complaint. 

The following name and accounts are not mines and would like them to be removed from my report. These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. I would like to have them removed from my consumer report. 

XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX  XXXX Please removed the following addresses from my consumer report. The only address that should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed any inaccurate information on my consumer report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: NC

Complaint narrative:
I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX {$140.00} ATM withdraw no cash dispensed XX/XX/XXXX {$200.00} ATM withdraw ATM jammed didnt dispense cash Both charges were disputed one was issued a provisional credit which was reversed by the financial institute The other was denied multiple times

Company response to consumer: Closed with explanation