vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Credit report {$XXXX} past due as of XX/XX/2024. This debt does not belong to me. 
15 USC 6802 15 USC 1692 ( g ). Debt is not validated. If it is not removed immediately from all my credit reports XXXX, XXXX and XXXX, I will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
The company is legal required to provide a XXXX Tax Form by XX/XX/XXXX of the applicable year detailing the mortgage payment information. The company has failed to provide such and has avoided communications regarding requesting this information. 

Under, 26 USC 6722 they should be fined for this failure. However, the fine for such a failure is so insignificant that the company has no incentive to follow the required law. They rather take an attitude of indifference toward their statutory duties owned to the consumer. They take this attitude because the fine levied for their failure is so little that they could have over 10 million similar violations and still not have it impact their operating profits. 

The company at issue is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please erase these inquiries? I lack any knowledge concerning them, and they were carried out without my permission by the company.

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 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX I made a wire transfer to XXXX XXXX aka XXXX XXXX for XXXX for XXXX rainbow boas. I informed the bank, Wells Fargo, that the product was not received. I have several emails where he said he had a permit on the XXXX but kept postponing shipment. Then he contacted me again, saying he did not have the permit. I requested videos, etc. he refused to send me official evidence but refused and requested an additional XXXX dollars. I checked the box that stated this could be a scam, so I assumed I was protected if it was a scammer at Wells Fargo. But they sent a letter saying they would not return the XXXX dollars. So I did not receive the products and lost XXXX dollars. I will be closing my account with Wells Fargo. Customer Service was rude, as well. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received results on XX/XX/2024 and noticed I have inaccurate information on my credit report concerning XXXX accounts. 

The first XXXX is XXXX XXXX # XXXX, the XXXX XXXX is inaccurate, the date opened is inaccurate and the last payment is incorrect. 

The second account is the public record that's on file and it has inaccurate information. The date filed is inaccurate and the type is inaccurate as well.

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 2024-04-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], XXXX XXXX XXXXXXXX ], [ XXXX XXXX ], are not complete and accurate. 
[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, balance is not correct, date of last payment is not correct, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Your vendor sought me via XXXX, but I never went through her website. She was never licensed to perform the service and caused me distress. Affirm has defrauded me by not researching vendors or looking at how I was solicited and the effects of that. 


In the realm of beauty transformations, I embarked on what should have been a confidence-boosting experience, trusting XXXX XXXX of XXXXXXXX XXXX the XXXX XXXX XXXXXXXX, and XXXX XXXX with my hair. Little did I know, this journey would become a distressing saga of deception, incompetence, and emotional turmoil. Excitement filled me as I handed over {$870.00}, anticipating a transformative hairstyle promised by XXXX XXXX. She solicited me on XXXX, not via website. What transpired, however, was a far cry from the enhancement I envisioned. XXXX, lacking a proper license, executed a technique that didn't enhance but brought out the worst a significant loss of my precious hair. Attempts to address the fallout were met with resistance. XXXX, instead of owning up to her shortcomings, blamed the natural texture of my hair. Shockingly, XXXX discrimination tainted our interactions as she callously asserted that XXXX textures posed greater challenges, a baseless and hurtful claim. In the aftermath, it became evident that XXXX XXXX, aware of her incompetence, had willingly taken my hard-earned money. It was a betrayal that extended beyond physical distress to financial exploitation. I had trusted in her expertise, only to discover she was ill-prepared for the task. The consequences weren't merely physical ; they plunged into the depths of my emotional and psychological well-being. Strands of my hair falling out in public became a source of immense embarrassment, and the quest to conceal the aftermath demanded constant effort. The pursuit of justice became a personal mission. Hours of research were invested to unveil XXXX XXXX 's true identity and expose the lack of a license. This XXXX, who operated under a guise of professionalism, had deceived me and exploited my trust. Efforts to secure a refund proved futile. Deceptive links and contractual language were employed to deny me justice. The financial strain escalated as I sought relief for ongoing hair restoration treatments, new styling costs, and the work disruptions required to rectify this unjust situation. Affirm/XXXX XXXX is using deceptive practices to gain consumers. They are also not checking the validity of the customer ( misrepresentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This grumbling to COLUMBIA DEBT RECOVERY was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
My account was illegally froze because they said i had a negative balance so my account was made positive & they still would not unfreeze my account only tell me everyday they cant help me & to keep checking my email & they always deny me access to speak with a supervisor & hang up very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX loans keeps calling me with sales pitches, refinancing, home equity loan soliciting. i have asked them several times to stop calling me unless it had something to do with my actual home loan that was sold to them. I am terrified I am going to miss something actually important because they solicit so much. I asked a woman today to stop and she kept asking questions and then laughed at me when I said to stop calling. This unprofessional especially since I have no choice in who my loan is with. How do I get this to stop!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report with the JCS reference number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine. 

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately. 

I hereby request that you take the following actions in compliance with the FCRA : 1. Remove the collection account with the JCS reference number XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
2. Cease all further reporting of this inaccurate debt to any credit reporting agencies. 
3. Provide me with written confirmation once the collection account has been removed from my credit report. 

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA. 

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities. 

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
My bank will not allow me to use my funds. 
My bank has blocked my last XXXX of my SS numbers that are needed to call in & speak to a live agent. My bank has also blocked my phone number so I can not call in to fix the situation. My bank will not let me use my funds & they would not let my insurance company from withdrawing funds to pay my car insurance. I can only chat with my bank Via text .BUT they tell me I can not get information as to what's going on unless I call them but keep in mind they have blocked my social security number which is needed to proceed farther. They have deliberately done this. My account sits fine I can see it but I can not even buy a XXXX dollar sticker on XXXX. I tried to make a small purchase just now of a XXXX dollar sticker on XXXX but it will not go through, they are doing this as retaliation to me over an XXXX dispute. I can not call in to my bank or use my card & they will not call me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
Unauthorized credit card account showing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today on XXXX XXXX, Experian responded to the complaint filed XXXX months ago in XXXX regarding my request to remove XXXX XXXX XXXX from the XXXX report on the Experian account. They do not pay attention to the complaint, and state that the account does not show on Experian.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation