vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC
State: AL

Complaint narrative:
On XX/XX/year> i had cancelled my account with XXXX to switch over to XXXX. XXXX offer to pay out my contract with XXXX  since Im switching over. XXXX paid the remain balance which was XXXX dollars. But XXXX keep billing me after XXXX paid it off and the devices was returned back to them. I paid the first collection XXXX XXXX XXXX in month payment of XXXX each month because they said if i pay XXXX it will be considered the account paid in full. Now i have this collection agency XXXX XXXX calling saying i owe XXXX for the XXXX  bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking account with Wells Fargo bank and tried to deposit a check into my account in person in their only branch in XXXX, NV when I was traveling through town with my RV on Tuesday, XX/XX/year> mid-day. I tried to deposit a check in the amount of around {$140.00} written by XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a refund on some of their services. They refused my deposit despite me having 3 form of picture ID on me ( DL, US passport, another country 's passport ), and additional forms of ID including SSN card, plus various bank cards in my name. I was harassed, verbally abused and threatened, accused of being a fraud, clearly because of my ethnic origin and being an XXXX. Bank employees literally laughed in my face as they refused service. Was refused a deposit and threatened with police. I was asked to state my SSN information verbally with numerous people present in the branch where everyone could hear me, to " prove who I were '', which I of course refused for privacy reasons. I was illegally discriminated against, harassed and refused service. Also them refusing me a deposit caused hateful unhinged bigot who was behind me to threaten me and yell at me, and me having to stand my ground against him, he later followed my RV through town yelling threats and showing me a fist and a middle finger, which could have lead to injury or death, which Wells Fargo would have been liable for. I had already reported this incident to Wells Fargo and had closed my account with them, however there's no indication that this vile criminal organization that abuses and defrauds customers would do anything to address this ( the complaint line had put me on forever hold, which was later disconnected and I haven't heard from them again ). In addition I suffered health damages from this incident of illegal discrimination, threats and denial of service. My associated bank card number was XXXX ( now closed )

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I signed up for Business Checking account promotion for {$400.00}. 


As of XXXX, terms are still available at this link - firsthorizon.comXXXX XXXX The requirements for the promotion were as follows, Requirement1. Deposit {$5000.00} into the XXXX  XXXX  Checking account within 15 days of the account opening. 
XXXX  : Opened account. 
XXXX  : $ XXXX deposited to the account. 


Requirement2. Maintain at least a {$5000.00} collected daily balance for the first 3 full statement cycles. 
XXXX  : Maintained more than $ XXXX up until now. 

Requirement3. Conduct 20 qualifying transactions within the first 3 full statement cycles. 
XXXX : I made 22 debit card transactions within a month of opening the account. 


As per the banker, the first two requirements were met successfully and they are claiming that third requirement was not met. 


I made a total of 22 debit card transactions within a month of opening the account. 9 transactions in the 1st statement cycle and 13 transactions in 2nd statement cycle. 
They are claiming that the first statement cycle is not considered and only 2nd, 3rd and 4th statement cycle are considered for bonus eligibility evaluation. 


I read the terms in detail and there is no mention of what defines a " Full statement cycle ''. Since I made the transactions within the first 3 statements, I should be eligible for the bonus and have been wrongly categorized as not eligible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
I submitted dispute claim XXXX on XX/XX/year>. The totaling amount of this particular claim is {$5700.00}. It is approaching its second month of non completion. I most recently contacted the company within hopes of positive feedback and was surely given uplifting news that the funds taken without authorization are being reclaimed. There hasnt been any progression details to follow. Neither email or phone call ; even though I was informed that I would be receiving an email update every ten days. When I did receive an email update it was compromised of very vague details to no communication whatsoever. There have been other payments from merchants that have been included within the said dispute claim. Although, the merchant XXXX is being inattentive with communication towards a swift resolution towards the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: IL

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 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 2024-10-19 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I applied for a loan and I was initially approved for {$5000.00}. Along with that approval, a subsequent offer for the credit builder program was offered. At that time, I agreed to join the program in conjunction with the loan approval. However, I received an email stating that my approval was only conditional and that I needed a co-signor to move forward with the loan. They sent me both the loan documents as well as the credit builder documents. However, the company made it abundantly clear that the documents were for information purposes only and did not constitute an approval until I got the co-signor and that included the credit builder document. I did not sign any document nor did I receive any money from the loan. However, in XX/XX/year> the company attempted to debit my account in an attempt to collect a debt which resulted in my account being overdrawn. This came as a surprise because when I asked the company to produce the documents stating what I owed they failed to respond and simply attempted to take money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX Attachments : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My complaint is from a previous dispute CFPB # XXXX against XXXX and CFPB # XXXX against TransUnion Credit Bureaus. XXXX is still reporting three accounts that were reported in two previous FTC reports # XXXX from XXXX and # XXXX from XXXX, while TransUnion is reporting two of the three. The accounts that remain are causing a XXXX difference in my credit scores compared to other bureaus that removed the accounts in question via the above mentioned reports. According to the FCRA, credit bureaus must report accurately and fairly. 
The accounts are from XXXX XXXX XXXX XXXX, and 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Portfolio Recovery Associates. I am utterly fed up with their tactics and the apparent lack of oversight from the credit bureausXXXX XXXXXXXX, and XXXX. 

Despite my ongoing dispute, Portfolio Recovery continues to manipulate my credit report, adding information as they see fit. Its as if they have been given XXXX  XXXX to disregard my rights. I have requested debt validation, yet they responded with nothing more than a vague statement from XXXX XXXX, which does not constitute proof of debt. I now demand an Assignment letter to review the purchase agreement related to this alleged debt, as I deserve to know the details of this transaction. 

Moreover, XXXX previously stated that Portfolio Recovery would be removed from my credit report. However, I have provided evidence that they have not only remained on my report but are actively making updates across all three bureaus. This behavior is unacceptable. 

During my attempts to resolve this, I encountered a representative who dismissively stated, " If we say you owe this debt, then you owe this debt. '' This encounter made it painfully clear that I am dealing with a bully, not a legitimate creditor. Their tactics have left me feeling victimized, and I refuse to engage with them any further. 

The harassment I have endured through my credit reports is not only insane but also deeply disrespectful. I will not stand for it any longer, and I am prepared to escalate this matter to court if necessary. 

I urge the CFPB to investigate Portfolio Recovery Associates and their practices. No one should have to endure such treatment. 

Attached are pictures of the different balances Portfolio Recovery initially reported to the 3 credit bureaus ( {$300.00} and {$300.00} ). I've also attached photos of the corrections Portfolio Recovery has made to all 3 credit bureaus to reflect a balance of {$300.00} across all 3 bureaus. This is shady practices at it's finest!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX of XXXX my wife and I opened up a HELOC at XXXX XXXX XXXX XXXX ( XXXX ) in Ohio. We never made any draws on this account but in XX/XX/XXXX someone without authorization transferred all XXXX to 2 other banks. XXXX XXXX received XXXX and Bank of America got XXXX. I was not aware of teh problem until we got a statement in the mail in XXXX saying our payment was due in the next 25 days for the amount owed XXXX. I immediately called XXXX and spoke with the VP of fraud and he said he would get going on the issue right away. A few days later I called back to see how things were progressing and the VP XXXX XXXX said they were able to get the XXXX back from XXXX XXXX but BOA was not willing to send the XXXX back to XXXX. I was told that BOA was going to take the 180 days to look int the problem and find their conclusion to this fraud issue. I never heard back from anyone until XXXX of XXXX when we got a certified letter from XXXX telling us what we owed with principle, late fees and interest charges. 
We sent a letter back to XXXX and told them this was not our debt and we never authorized any wire transfers to these banks or anyone else. In fact we did not know the account even had this option on it. 
After they got our letter, in XX/XX/XXXX they sent another certified letter saying if we did not make any payments before XX/XX/XXXX they would start with foreclosure proceedings. 
We have filed a State Police report with the state of Indian in XX/XX/XXXX and filed a complaint with the Indiana Attorney General.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
I have some accounts that are on my consumer file, that are in violation of the fcra and need to validated/verified in order for them to continue to be reported on my credit report. I have also sent a validation noticed to the company as well. These account are in violation and need to be deleted from my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been contacting equifax to unblock my credit because my score is not showing up and they tell me I don't have enough information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Rec 2 checks s for {$800.00} each, deposited into acct on XX/XX/XXXX, funds put on hold then posted to my acct making funds available on XX/XX/XXXX. Unfortunately, I was unable to follow thru with commitment so I needed to return funds. Initiated wire transfer and confirmed with Bank of America that funds were definitely available and once confirmed, I sent wire. On XX/XX/XXXX I tried to log in on my online banking app and could not so when I called bank, I was told my online banking had been suspended and my acct was overdrawn by over {$900.00} as they debited the {$1600.00} stating checks were fraud and after arguing with them and telling them they needed to credit back funds since they are the ones who released them to begin with and was told that they are sorry for my frustration, but nothing they could do

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