vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a fraudulent account that keep getting verified I contacted XXXX XXXX myself and they told me that the account was removed not made a change off. I have a delete letter from them in which I have attached the letter below with FTC report and police report. 

This account is showing on my XXXX & Equifax credit report. 

XXXX XXXX XXXX XXXX XX/XX/2021 {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TX

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$7100.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, 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 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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX  Balance : {$740.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I responded to special offers sent to me by my American Express card, but never received the promised benefits. 
Specifically, one offer was for a {$50.00} rebate on wine bought with the card from XXXX XXXX XXXX on XX/XX/XXXX. When that benefit did not show up on my card, I called American Express and the representative told me that everything was in order but I just had to wait a little longer for the rebate to appear. 
Based on this assurance, I took advantage of a new, identical offer for the wine which I received. That purchase was on XX/XX/XXXX. I never got either of these rebates for wine, a total of {$100.00} due to me. 
In addition, because I got an offer for a XXXX stay, I chose a XXXX hotel and paid with my card for a stay on XX/XX/XXXX. The promised rebate for staying at XXXX and paying with American Express was {$40.00}. Again, I never got the rebate. 
In each of these cases I first registered my card for the offer with American Express. 
I have tried calling American Express on several occasions about this but never am able to get any explanation about why the rebates were not forthcoming. 
Finally, a supervisor said she would submit a one time courtesy payment of {$140.00}, but that never came through either. Further calls to American Express just led to a run around.

I feel this special offer program is a fraud. I am owed {$140.00} by American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
I was contacted On XXXX, and XXXX by a XXXX regarding a debt. He claims they have sent multiple letters in the mail and have called multiple times. Ive lived in the same place for seven years and I havent recommend any letters and the calls just started XXXX. I was told I was being hostile on each occasion and hung up on. I asked the first two times. What is this regarding and they didnt wish to state anything further than wanting to know my social security number and address. Today XXXX I spoke with four different people. An each were very hostile as I tried to explain. I wanted to verify the debt. I asked for a debt verification letter. I was told they would not provide one and I was informed they would mark me as being hostile and unwilling to take care of the debt. I asked the company name and was told XXXX XXXX XXXX. I asked regarding there location and was told they will not disclose it because there are a lot of crazy people out there. So I asked how do I know this is a real debt and Im not being scammed? Asked if the call was being recorded because it was not stated. I was hung up on for the third time and a guy answered and stated his name was XXXX. I said thats mighty fun when you sound alot like XXXX  that left me two voicemails that are identical. He told me all I want to do is argue and they will see me in court. An hung up on me. The numbers I call and was given is XXXX and XXXX. Both numbers ring for awhile before someone answers. Nothing about the calls suggests debt collectors. They keep suggesting filing a lawsuit against me even though I dont know who they are nor what the debt is regarding or if its legitimate because they refuse to answer any questions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: IL

Complaint narrative:
My wallet was stolen. I have a police report inquiries was made on my credit without my permission. I am submitting a copy of the police report and screenshots of the inquiry on my Trans Union.

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 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I got court papers to go to court in 2018 for Wakefield & Associates for a bill of XXXX. Court was thrown out because I had Medicaid which paid that bill. I've called Wakefield & Associates. I've also called XXXX XXXX where the bill was originally from, and they told me the account was closed. I reported that back to Wakefield and the said XXXX XXXX XXXX was originally over my info and I would have to contact them. I've contacted all 3 and they all said the account was closed. I'm not sure what I need to do next because they are all telling me to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
Ive been with Wells Fargo for 14 years and have had fees from my account taken from there. There is a lawsuit where I should get compensation and I havent received anything from them yet

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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please UPDATE the following accounts from my consumer file as I don't have any late payments, though it's showing 3 late payments in 2016. So unless you can furnish a detailed ledger of late payments with proof that it was late for this closed account, updateto paid on time. If this account can't be verified with original signature it must be deleted. 

WELLS FARGO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was illegally added to a bank account without any signature cards or identification For an account owned by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX account number They refuse to provide evidence that I was applied to this account. 
to completely resolve claim XXXX XXXX Bank of America 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 2023-02-04 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: IL

Complaint narrative:
My wallet was stolen. I have a police report inquiries was made on my credit without my permission. I am submitting a copy of the police report and screenshots of the inquiry on my Trans Union.

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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I ordered something from XXXX or XXXX back in XX/XX/2022. Upon doing so, I was sent a credit card offer that gave a discount for the current purchase, plus gave an " excusive '' offer of no interest for the first 13 months. I typically don't use credit cards but needed it for travel when my own bank card was frauded and I was out of state, unable to rectify it in the time needed. It is now four months later and I have been going over my credit card statements and noticed that they have been charging 19 % interest every month. I called to inquire why this was so and the woman explained that " Exclusive '' means that you must purchase from either Cabela or one of the stores of this club. For the average customer, they would view this as a short-term offer that won't last long and that only those who respond quickly will get it. 

There is nothing that told me this was store specific. I think these practices are very deceptive and the woman insinuated that they have many people confused about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  # XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section XXXX : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items 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 ) (! ) 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 2023-02-04 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I received a copy of my consumer report from ChexSystems stating that there is a inquiry from XXXX on the behalf of XXXX XXXX on XX/XX/2020. On top its says viewed by others. I've never gave written authorization/permission for this furnish on my consumer report. This is a violation of my privacy, to furnish something on my report without my written authorization, As a consumer I have the right to privacy and ChexSystems violated that privacy by furnishing this inquiry without my authorization. XX/XX/2020 - inquirer XXXX on behalf of 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 2023-02-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are inquiries on my report that I did not make and I do not recognize I am part of the Equifax lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
XXXX XXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 
XXXX XXXX XXXX XXXX  XXXX the amount of {$910.00} date opened unknown I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account on a lot of my transactions were being charged more than once then my money started to go low quickly

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 2023-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In collusion with legal firm of XXXX XXXX XXXX, my mortgage was defaulted and my home foreclosed on, even though I had also filed for bankruptcy protection prior to my home being repossessed and sold. Outside of a temporary option, which I successfully completed, Wells Fargo denied my attempts to get modifications on my home mortgage and generally made no good faith effort to help me keep my home. My home was initially foreclosed on XX/XX/2011, then postponed to XX/XX/2011.

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 2023-02-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a letter by mail on XX/XX/2023 requesting that TransUnion reinvestigate all accounts that were deemed verified. If TransUnion did a thorough investigation, according to 15 USC 1681i, I want to know how and with whom they verified said information with. I understand they are taking precautions in writing me the letter issued XX/XX/2023 however I sent in proper verification via my drivers license and a bank statement to be sure they knew that they were speaking with me. My time is valuable and I have plans to buy a house this year so I am doing my due diligence to get my credit in shape to do so. I have attached the letter I sent to XXXX along with my methods of 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 2023-02-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX, AND I AM WRITING THIS STATEMENT SOLELY ON MY BEHALF. THE LISTED ACCOUNT IN THIS REPORT HAS BEEN OPENED USING MY PERSONAL INFORMATION WITHOUT MY CONSENT OR KNOWLEDGE. THIS ACCOUNT IS REPORTED AS A FRAUDULENT ACCOUNT AS IT WAS OPENED WITHOUT MY CONSENT. I AM REQUESTING THAT THIS ACCOUNT BE REMOVED 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 explanation