vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT FIRST XXXX XXXX  COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-12-16 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: MS

Complaint narrative:
Hello I was born with a XXXX sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my XXXX. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.

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 2023-12-16 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: MS

Complaint narrative:
Hello I was born with a twin sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my twin. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.

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 2023-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im disputed this account is not mine : ; I have previously disputed the following accounts and have not receive method of verification please see below request and account information Account info Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX account XXXX XXXX Account name XXXXXXXX XXXX Account number account # XXXX Account name XXXX XXXX account XXXX Account name ; XXXX Account number XXXX account collection and banktuptcy I request for the third time that you provide the method of verification the agency used. i asked : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. 
To date, they have not provided me with a copy of ANY documentation ; Furthermore, they have failed to provide the method of verification as required previous complaint it stated thay they are still working on this account that is incorrect they have investigated these accounts more than 3 times and still no type of verification on accounts.

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 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I am not sure what all these charges are for I never got an itemized bill like I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowe 's of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX http//wwwlowes.com. I bought on line ( XX/XX/XXXX  ) a storage shed. The person assigned to pick the shed up was XXXX XXXX, who pay it again and did not keep of the receipt of the transaction .On XX/XX/23 we went to the store in order to get a duplicate of the receipt, like in other stores ( XXXX XXXX ). The employee who assisted us were XXXX and XXXX who give us a document that says WAS SOLD TO XXXX XXXX, but not the copy of the receipt. I put a claim on the Synchrony Bank/ Lowe 's Advantage Card XXXX XX/XX/23 I spoke with XXXX . Later I saw that Lowes charged me the amount of {$460.00} again plus interest. I call them and XXXX told me that the case was solved against me ( XX/XX/XXXX  ) and they would let me know in writing. Since the letter has not arrived I am turning to you to help me resolve the case. I present this petition in XXXX to Consumer Protection Division and XXXX XXXX and she sent me to your agency. Thank you.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HarrisLoftus, PLLC
State: MD

Complaint narrative:
On XXXX XXXX  I was sent a debt validation letter. They did not answer many of my questions that I plan on sending another letter to try to obtain those answers. Like " a copy od their license to collect in my state '' They also put at the top of the page " Hareis Loftus, attorneys and counselors at Law ''. In the letter they refer to me at " ... XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX They also sign it " XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Counsel for Plantiff '' then they say at the bottom of the letter in small print " this is a communication from a debt collector ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
This is an addition to Compliant XXXX. I received a call from MOHELA at XXXX XXXX XXXX on XX/XX/XXXX. They left a XXXX second message that ended after call back at XXXX. 
I logged into my account to contact them and found they are not counting payments made towards XXXX in XXXX. I was employed by the State of Kentucky and was not in school. I have called and messaged them and it still isn't fixed. The original call was in XX/XX/XXXX. All forms have been submitted. I graduated in XXXX and did not reneter school until XXXX. I need to be credited these payments. I also made payments during COVID after XXXX said they would count. 
I still have not received a payment for due date of XX/XX/XXXX. The system does not match what they say my payment is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2023-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Some one used my information such as my social security number to open or apply for Capital one Banking on dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and just recently on XX/XX/XXXXXXXX XXXX XXXX 
I have things on my report that is has misimformation.I want these removed from my Credit Reports and an investigation so I can find out who's using my name. I Also have other Accounts I've never applied to or heard of that's on my credit report. XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Phone number XXXX -- XXXX XXXX XXXX  card inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX XXXX XXXX I did try to contact them on the phone numbers but sounds like it was disconnected. I also have XXXX XXXX XXXX account that is not mine that was Reported on XX/XX/XXXXXXXX XXXX XXXX  that was closed but they charging me {$150.00} even though its not my account. XXXX option 6 inquired XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX phone number XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Potentially Negative Date opened XX/XX/XXXX this shouldnt be Beginning since I paid it monthly. XXXXXXXX XXXX XXXXXXXX opened potentially Negative it shouldn't be negative because I never used the card. XXXX XXXX account Date opened XX/XX/XXXXXXXX I never opened an account with them nor do i use XXXX XXXX. I also found wrong address on my report XXXX XXXX XXXX, XXXX, La XXXX is not my address. Names I want removed are as Follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I want these things to be investigated and Removed from my Report as well as any expenses that is not mine. I do not wish to pay for things on my credit report that is not mine because all of these things I can not get a banking account or a credit card on my name to build my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just to put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those false and fraudulent collection accounts and or charge-offs. The signed affidavit that I sent to credit bureau to explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
- On XX/XX/2023 I received a notice from XXXX that a checking account was opened in my name with Wells Fargo. I immediately called Wells Fargo and was told not only was a checking account opened in my name but a credit card as well. They were unable to close the accounts over the phone because I couldn't provide them with the matching information on file ( mother 's maiden name, etc. ). 
- On XX/XX/2023 I went into the Wells Fargo branch in XXXXXXXX XXXX  and spoke with a banker. He helped me open a fraud case and provided me with some information about the fraudster, including his drivers license number which was later determined to be fraudulent by the XXXX Police Department. 
- On XX/XX/2023 I received a letter from Wells Fargo saying that they had concluded their investigation and that no fraud was found on the account. I called again and was transferred to their Identify Theft department where I opened a new case. 
- On XX/XX/2023 I received a call from Wells Fargo stating that the Identity Theft case had been resolved because " I went into the branch with a utility bill and proved my identity. '' Needless to say, I did no such thing. 
- On XX/XX/2023 I filed a police report with the XXXX Police Department. 
- On XX/XX/2023 I received a package from Wells Fargo outlining my denied Identity Theft case which includes a copy of the application the fraudster originally filled out. The signature on the application looks nothing like mine. 
- On XX/XX/2023 I received a copy of the police report. 
- On XX/XX/2023 I went back into the Wells Fargo branch in XXXXXXXX XXXX and spoke to the banker again. He opened a " corporate fraud '' case which he claimed would be faster and more thorough than what I had done before. 
- On XX/XX/2023 I received another packet in the mail from Wells Fargo saying this fraud case had been denied. According to the information in the packet it appears the checking account may have been closed on XX/XX/XXXX, however, the credit card remains open with a balance of {$6500.00}.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a credit card with American Express, that fell past due. I received at least 13 robo-calls regarding the delinquency where multiple robotic voicemails were left on my cell phone, from XXXX to XXXX of XXXX. This is a direct violation of The Florida Consumer Collection Practices Act ( FCCPA ). The FCCPA protects consumers from certain debt collection actions. Specifically, it prohibits debt collectors and telemarketers from making robo-calls to your cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NY

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX XXXXXXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened BMO Harris account with a promotion of {$500.00} cash back bonus. Condition was that within 90 days of account opening I should have {$7500.00} in direct deposit. Which I met. 
On XXXX XX/XX/, I asked this question to BMO Harris via secured message Center that when I am going to get {$500.00} cash back bonus? Only got a response when i filed CFPB complaint that i will be getting it later. 

Today when I logged into my account, I am seeing there is a {$1.00} fees for no good reasons. 
When i asked? 
Why there is a {$1.00} feed on my account? 

No response

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My cell phone was stolen while the phone was unlocked and the thief was able to access my apps, including my emails which had proof of my social security number. That same night, I noticed various fraudulent charges on both my checking account and credit card due to my accounts being linked to certain apps on my cell phone, such as XXXX, XXXX, XXXX, and my mobile banking app. Also, an XXXX credit card was opened under my name with a balance of roughly {$600.00}. The most significant charges were two separate XXXX transfers out of my checking account for {$1500.00} and {$1000.00}. I called the Bank ( Santander ) the following business day to communicate my issue and file a fraud claim. The Bank accepted my fraud claim on all other transactions ( XXXX, XXXX, XXXX ) ; however, they denied my claim for the two XXXX transactions totaling in {$2500.00} of lost money even though the explanation I gave for the claim was the same. This shows inconsistency in their fraud review and only leads me to believe that the XXXX claim was denied since it was of higher value. I provided the Bank with supporting documentation making it obvious that the phone was stolen including a police report, email communication with police, an identity theft report, and screenshots of the fraudulent XXXX and rideshare ( XXXX XXXX charges. I also offered to provide a receipt to show that I purchased a new phone, but was told this wasn't needed. I have filed fraud claims with all companies involved in these transactions ( XXXX XXXX and XXXX to dispute the XXXX XXXX XXXX XXXXXXXX, XXXX ) and all of the companies accepted my claim concluding that these transactions were clearly fraudulent. However, I have had issues with retaining my stolen funds from the XXXX transactions from Santander Bank, even though as I mentioned previously they accepted my claim relating to other transactions that occurred as a result of my cell phone being stolen. Due to this, I have reason to believe the Bank is in violation of Regulation E, and as a consumer I should have protections against unauthorized transactions on my account. It has now been 3 months that I have been dealing with this with no resolution when this should have been an open and shut, straightforward case. Santander has not been helpful at all throughout this process and has only put up roadblocks because they do not want to pay the money that was stolen from my account. I am a former employee of the Bank and have been a longtime customer and am severely disappointed in how I've treated throughout this process from a customer service standpoint. I would not recommend anyone bank with them given the way they treat their customers and lack of resolution in dealing with difficult issues.

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