vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I made an initial complaint against the company on XX/XX/2023. The company has said this account was forward to them when that is a complete lie, they purchased this debt, from fresno XXXX. The company has decided to note my cease and desist request, and have noted they will not communicate with me directly in the future, yet has completely ignoring my request to have this collection removed from my consumers report. The company stated that they were in contact with me when I stated I was going to take legal action against the doctor in an unrelated case, when in reality, the unrelated case in exact reason for this debt. At the time I had spoken to this company and told them I was taking legal action against this doctor the fees associated with this account were not yet deemed responsible to the doctor. After taking the doctor to court and winning, all fees associated with this XXXX are the doctors responsibilities! They should have gotten in touch with their client they purchased the debt from to collect on this debt. I have legal documentation that I plan to get from my lawyer who represented me in this case that shows these fees are obligated to the doctor who performed my XXXX. Then the company noted they decided to file a lawsuit against me because they had not heard anything from me, there was no way I could have spoken with this company because I was incarcerated.Not only do I have documentation that shows Im not obligated to this debt, I have documentation to show that this company took legal action against me while I was XXXX. There is no way this company should have been able to take me to court and get a judgment against me to force me to pay on this debt while I had no knowledge this lawsuit was even filed, and there was no way I could have properly represented myself while being XXXX This company is acting in dishonesty! There is no way CREDITORS BUREAU USA should be hiring attorney to take people to court when they are not properly noticing the people they are taking to court that they have court. what CREDITORS BUREAU USA did to me in completely ILLEGAL! I'm sure this lawyer who went to court against me lied and told the judge that I was served when I was never served. I have known nothing about this judgement up until now!

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 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
This creditor provides loans via a downloadable app found in the XXXX and XXXX XXXX XXXX - The Company 's name is Possible Finance. There is a technical issue with the creditor 's application. 

After receiving a {$200.00} loan and agreeing to scheduled repayments, two payments were processed however I incidentally switched primary banks and even after updating the banking information in the application, lasting technical issues in the app caused the payment details to not be updated, which in the end caused this mix-up. ( See attached screenshot 1 - Possible App - Scheduled Payment ). The screenshot shows the two successful payments followed by the two unsuccessful payments that resulted in the outstanding balance of {$120.00}. 

The issue is, even after many attempts to provide new banking information within the application, their system does not process the request and for some reason does not update with the information that I provided. What specifically happens is, the app allows you to go from screenshot 2, to screenshot 3, and finally after entering the information requested in screenshot 4, their system reverts back to screenshot 3, and nothing happens to update the banking information. 

Additionally, this creditor does not provide live-contact information to reach someone directly from their company. Communication access is granted via a contact submission form, and I have completed multiple inquiries and requested to have this information updated as soon as possible to resolve this matter. I am currently still waiting for a response from their company to get this information updated. I have attempted multiple times to pay the amount owed, however, due to the technical difficulties of the app and their application this has been impossible. 

Also please be advised that the following customer support phone number for this creditor, which can be found through a simple XXXX search - XXXX - provides a single message without prompts that include support options and advises that no support is available through the telephone number and that communication is done solely through the company 's app. After the message plays, the line disconnects. 

I have exhausted every option to reach this creditor. I am filing this complaint with you, the Consumer Protection Financial Bureau hoping to garner your support in resolving this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TX

Complaint narrative:
I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My personal address on file are : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my XXXX score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC
State: DE

Complaint narrative:
Waypoint collection company is calling XXXX asking my XXXX XXXX XXXX child to confirm my name address including city state and zip code. I called the number back spoke with XXXX and informed they the repeated calls to my minor child will need to stop. I requested XXXX further contact again as my child is a minor. Another call came the very same day from a person who claims her name is XXXX XXXX ( ironic ). Again I asked for no dither contact especially trying to have a minor child verify her address as this is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like to get my credit profile updated with my current address and my correct date of birth.

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 2023-07-21 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: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: Aldous & Associates, PLLC
State: NH

Complaint narrative:
I have a collection on my report that should have never been there since i never recieved notification of the debt. I am in the middle of purchasing a house so instead of fighting the debt i paid just paid the collection because the rep told me on the phone it would be removed. I disputed it with the credit bureaus as well just to make sure that it would be taken care of. I had my credit repulled and it is still showing with 2 of the credit bureaus and those credit bureaus look like they haven't even looked into it and opened up any investigation. Please help me to get this removed as it never should have been there to begin with and they are not doing what they told me they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Trott Law, P.C.
State: MN

Complaint narrative:
XXXX XXXX and its employees are a bunch of XXXX XXXX. I 100 % caught XXXX XXXX, XXXX XXXX, XXXX SHERIFFS DEPARTMENT AND XXXX XXXX in MULTIPLE 18 USC 242 VIOLATIONS. MULTIPLE 15 USC VIOLATIONS. RICO ACT VIOLATIONS. RAKETEERING. IDENTITY THEFT ..... I have no XXXX contracts with these theiving XXXX. I have 0 respect for men and woman I don't know ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT. 

This MORTGAGE is FACTUALLY BIFURCATED 5x = NULL AND VOID. 
I 100 % discovered Grammatical DECEPTION all over the XXXX XXXX contracts = FRAUD= NULL AND VOID. 

This company sent a Serivce Corporation Employees to my house to throw papers on my car and told me TROTT LAW/XXXX XXXXXXXX is selling my house without my consent. XXXX YOU BOTH, XXXX, XXXX XXXX. If I walk down to an ILLEGAL/UNLAWFUL Auction/Foreclosure .... I will 100 % be placing these men and woman/ any man or woman involved under Private Citizen Arrest. I don't owe any man or woman anything!!!!!!!!!!! If so WHO! XXXX?!?! WHO!?!?!?!? 
This mortgage is DISCHARGED. I also 1099a and 1099c the DEBT via IRS and they accepted. 

TROTT LAW Employees are being sued no matter what for their CRIMES ... ... CFPB ... .. Do you XXXX jobs and get these XXXX XXXX XXXX out of my life. 

XXXX XXXX and TROTT LAW refused many Negotioable Instruments = Legal Tender = UCC 3-603 ( b ) = DISCHARGE for refusing Payment. 

I have 5 CORPORATION ganing up on my PERSON ( CORPOARTION ) = RICO LAW VIOS/RAKETEERING. They got caught! ALL OF YOU!!!! 
You XXXX who use Legalese ( FRAUD ) need to be eradicated. You XXXX are destroying lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got incarcerated XX/XX/XXXX and I didn't get released until XX/XX/XXXX someone took over my identity and cleaned out my bank account and deposited to life insurance checks from New York XXXX fraudulently each check was for XXXX I had money in my bank account and when I got out my bank account was closed I argued with the bank tell him that there was fraudulent activity on my account and they decided to say there was no fraudulent activity and they didn't want to investigate it I told him I had been incarcerated for XXXX and a half years and that I didn't cash the checks and I didn't take the money out of the bank I don't know who did or who would all I want is to get my money back that was taken but they're giving me trouble so I want to file a complaint against him Wells Fargo Bank I'll talk to him a XXXX times I send them all the police reports I sent him all the information that they needed stating that there's fraudulent activity going on and I can't get nowhere with him the bank told me that New York XXXX XXXX responsible for the checks but I don't know who is all I know is I like to have my money back

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 2023-07-21 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: NY

Complaint narrative:
XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : XXXX, XXXX AND XXXX TRANSUNION My health is not good these three company stop my live got me really depressed.

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 2023-07-21 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: NY

Complaint narrative:
XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : EQUIFAX, XXXX AND XXXX XXXX My health is not good these three company stop my live got me really depressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wanted to use cash advance and before I did a cash advance I reached out to wells Fargo to make sure I was not going to get charged interest on this transaction and the rep told me that I would only get charged a one time interest on the transaction but instead Im being charged every month Interest around {$62.00}

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hi my name is XXXX XXXX XXXX I had a bank account with Bank of America and on XX/XX/2023 someone deposited a XXXX check in my account thru the mobile app and this bank has been giving me the run around I called the bank and nothing is being done I have a fraud claim put in and they keep telling me it takes XXXX too XXXX  days and I'm on a government income I need my funds too be refunded too me because I have too Take care of my needs I have a government check in the bank for XXXX and XXXX for XXXX dollars plus a work check for XXXX so I would like something too be done because it's stressful and all they doing is giving me the run around I don't have the time or patience for this please help me thanks XXXX I would like this bank too close theses accounts and refund me my 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 monetary relief