vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against MRS BPO LLC, regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR Part 1006 ). Specifically, I believe these collection agencies have not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), MRS BPO LLC have failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with MRS BPO LLC.

Use of Deceptive Practices : MRS BPO LLC have engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), MRS BPO LLC have unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to MRS BPO LL. Therefore, I hereby revoke all rights of MRS BPO LLC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from MRS BPO LLC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

Purchase Agreement : Furnish a copy of the purchase agreement or contract between MRS BPO LLC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of Licensing and Bonding : Provide documentation proving that MRS BPO LLC are licensed to collect debts in California and bonded as required by law. 

These actions by MRS BPO LLC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with MRS BPO LLC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure MRS BPO LLC comply with federal law. I also request that this collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We have disputed a charge of {$9000.00} on our card ( Synchrony Bank ) dated XX/XX/XXXX. We had a second dispute with our other credit card company, ( XXXX XXXX ) for the amount of {$5800.00}. ( The total amount of purchase was {$14000.00}, made over 2 cards. ) This dispute was upheld, and {$5800.00} was charged back to the merchant for violating the terms and conditions of the purchase agreement. Synchrony Bank sent a 2 sentence reply in XX/XX/XXXX which was " The merchant shipped as promised, and we refused delivery ''. These statements are completely heresay. The merchant made these statements to our credit card company and are a complete lie. We however, submitted email from the merchant to us, in where the merchant admitting to shipping late, not shipping as promised. To this day we have never received the merchandise. The merchant has been extremely hostile and dishonest. Synchrony Bank issued us a letter on XX/XX/XXXX, stating they were reviewing our dispute and no payments were due on the disputed amount. To this date, we have not received any response from them, however, beginning late XX/XX/XXXX, Synchrony Bank is now demanding payment, adding interest and late fees, all the while ignoring our 2 recent demand letters for them to respond.

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 2024-08-09 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account number XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 is inaccurate.

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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was asked to do a job, for a guy went out and gave him a quote, he sent me an electronic check, and I deposited it went through the next day, on XX/XX/XXXX the he sends me a text saying the job fell through and he could no longer purchase the property and asked for his money back I used XXXX to refund money took me for XXXX, then the check returned and I was in the hole, Wells Fargo usually puts a hold on a check for that amount and mishandled the XXXX transfers they weren't even red flagged. I kept getting the runaround.

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: CA

Complaint narrative:
I sent a letter to credit bureaus, who contacted the collector to verify. I never received anything from the collector I never opened this 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 explanation
Consumer complaint received 2024-08-09 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: DE

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-08-09 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: DE

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

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 2024-08-09 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: TX

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

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 2024-08-10 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
On Monday, XX/XX/year>, I spoke with a representative from Shellpoint Mortgaging Service about loss mitigation options for my loan. We discussed that my account would be approved for a forbearance, and that I would need give verbal permissions over the phone. So, we scheduled a phone call for today, XX/XX/year>, at XXXX for me to do so. It is now XXXX and I have not received the phone call as scheduled. This is the fourth time I have attempted to resolve the issue with my loan and to obtain protection from foreclosure, only to have Shellpoint fail to communicate in the time promised or agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: LA

Complaint narrative:
Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the Original Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.

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 2024-08-09 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: LA

Complaint narrative:
Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the Original Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: LA

Complaint narrative:
Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the XXXXginal Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN= XXXX All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-08-09 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: IL

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX INQUIRIES* XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN= XXXX= All is being investigated by the FTC and CFPB . According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-08-09 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-09 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 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: FL

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 2024-08-09 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need assistance with some negative items appearing on my report. I previously provided the three documents you requested, along with the dispute letters and the specific accounts I want 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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The last week in XXXX I noticed my checking account and credit card were negative. It was due to fraudulent unauthorized charges from an online company. I reached out to the company only to be locked out of my account. XXXX. I reached out to my bank, Wells Fargo and they have denied every fraud claim I have opened, laughed at me, hung up on me and the branch XXXX just rolled her eyes at me after having been in many times. I have multiple charges of the same amount XXXX times on a same day from different entities of the company and Wells Fargo has still to give me a reason why its denied. I had a XXXX linked to this account and they fixed my fraud claims in under XXXX min. 
I want a valid reason why Wells Fargo thinks they can deny these fraud claims as I received no papwrwork to 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
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need assistance with some negative items appearing on my report. I previously provided the three documents you requested, along with the dispute letters and the specific accounts I want removed.

Company response to consumer: Closed with non-monetary relief