vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
I sent a dispute to XXXX, XXXX XXXX TRANS UNION on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX  acct # XXXX According to 15 USC 1681i XXXX, XXXXXXXX XXXX TRANS UNION shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.

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 2023-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute to XXXX, EQUIFAX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX acct # XXXX According to 15 USC 1681i XXXX, EQUIFAX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A account with Bank of America was opened in my name. I called Bank of America and closed account

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 2023-01-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO LVNV FUNDING LLC. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT LVNV FUNDING LLC IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On a recent credit check I noticed two credit pulls that I did not authorize from Comenity Bank after a credit alert was placed in XXXX of 2022 when someone opened a XXXX XXXX account with my information and a savings account with XXXX  XXXX. All of the companies mentioned were notified that these accounts were done fraudulently and police reports were filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: U.S. BANCORP
State: NY

Complaint narrative:
I have 2 revolving CC from US BANK and both accounts has been hit with late fees in 1 month, ,called to rectify and was told it can not be reversed, ,I refused to make the late payment as they claim was late only because they wants me to use online payment and thats the punishment I got for not doing sothe have attached it to my credit score and bought it from XXXX to XXXX and also reduced my limit as well,,, this is a pattern from most of these unscrupulous CC company and must be stopped now because they dont care if your credit is screwed up,,, look into this matter with urgency because I would be putting this info on social media for the consumers to see.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a bank and saving with Wells Fargo Bank N.A, I had several account with them and wrote them to see was I eligible to receive settlement money, my accounts was back when all of this was going on, I tried to contact them using information on their website and was told it was for the employees only which didnt make sense to me, at that time I did give them my old bank account number, I did not get a real answer.

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 2023-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX. 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 15 U.S.C 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate.

I have attached letter of results from Equifax and from clerk us bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 15 U.S.C 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate.

I have attached letter of results from Equifax and from clerk us bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is refusing to process my dispute under the guise of sending inconsequential response letters. Transunion initially asserted that I was working with a XXXX party and they were unable to verify my identity and/or given permission. I responded with a CFPB complaint, verifying that I indeed submitted the dispute. As a result, Transunion is now saying that they can't process my dispute because they're not sure what I'm disputing. 

XX/XX/XXXX : Attached is the original dispute mailed to Transunion on XX/XX/XXXX- tracking number XXXX. This includes a letter that explained the premise of the dispute, requested verification and method of verification beyond E-Oscar, and supporting documents to show that their counter-part removed the trade due to inaccurate information, statements that show fluctuating balances, and so forth XXXX XXXX I have responded to both Transunion letters and they are also attached. There is not a plausible reason as to why Transunion is continuing to with this ruse. 

This is a last attempt, otherwise I will begin to select attorney and initiate arbitration for blatant violation of consumer rights.

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
A rep from Leviton Law has called my office twice now. The first time he SAID he was from XXXX and gave me a case #, but I XXXX the number he called from and it came back Leviton Law Firm. He was not aggressive. It has been over 60 days since that call. 
Today a woman called from XXXX and said 1- we were on a recorded line and 2- that she was from Leviton Law and we have a " past due '' balance of over {$600.00} with XXXX ( I asked our accountant last time, we've NEVER used XXXX ) she gave me a case # ( different than the first case #, that one was 5 digits this one was 8 ) and asked to speak to the company attorney. I said surely you don't think an office with 5 people has an attorney here, have you sent us a letter ; she blew me off and said if we don't correct our debt we COULD BE SHUT DOWN. I asked her for a call back number and she gave a different number than what she called from : XXXX. That is not the number listed for Leviton Law. I would like a registered letter proving we have a debt vs. a phone bully lying about case numbers. Leviton Law has NUMEROUS complaints about collecting non-existent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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.

Thank you for your time and help in this matter. 

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is not putting the accounts in question in disputes unless I call in and spend XXXX hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I received a letter through XXXX  yesterday from midland credit management saying they were going to obtain a judgement against me. The debt is from a stage credit card. XXXX  has closed their stores for about three to four years and has filed bankruptcy. The credit debt was charged off at that time. I called the XXXX  number provided and the person did not speak good English and could not find any account that match my name or date of birth. He then ask me for my address so he could take me off the list for future mailings. I called the XXXX XXXX XXXX and they gave me information that this company has a legal complaint and has to pay consumers back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Sometime last XX/XX/, I inquired with WellsFargo about balance transfer through my mobile phone. However, I was surprised to received a letter from said bank last XXXX XXXX XXXX, that a balance transfer was made and was paid to XXXX  in the amount of {$3700.00}. I called the bank many times that I dont know what is that XXXX  company, cause I never have an account with XXXX. 
But the people in the bank insisted that its mine. So I hired a credit company based in XXXX, and they were able to contact XXXX, asked them whose account is that. XXXX  told them its not XXXX XXXX account. 
I kept on asking the bank whose account did they paid in XXXX. But until now, they wont provide me the name. 
I am sure that I have all the rights to know, whose account they paid, because the bank charged it to me. To no avail. 
Now, the bank is destroying my name by reporting it to the credit company. 
Somebody in the bank used my credit card account to pay their bill. 
The amount is not big. But my point here is its not my account. You can inquire from XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, if I miss any payment with them. And the answer is never. Please help me with my problem with Wells Fargo.

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 monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Dear COMENITY BANK/VICTORIA SECREDT ( # XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2021 for XXXX days? ( I believe that was the time I was in the hospital with XXXX, and i relay that to your customer services ) > I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation