vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
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 explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I received a call on XX/XX/XXXX at XXXXXXXX XXXX AZ time from XXXX. No message was left. At XXXXXXXX XXXX AZ time on XX/XX/XXXX I returned a call to XXXX. A woman answered by the name of XXXX XXXX She asked for me by my first name only. I verified that I was who she was asking for. She explained that she was from XXXX XXXX XXXX XXXX XXXX, talking very fast. She said " We have a claim here ready for due process, due to go out against your social in reference to a default judgment. '' I told her I could not hear her and to please slow down. She said " We are filing a judgment for wage garnishment on behalf of Speedy Cash for a payday loan, Do you want to resolve it.? '' I told her that was included in my bankruptcy. She said good luck then hung up. When I filled XXXX in XXXX. I personally mailed Speedy Cash the case number and discharge date. I also verified that they received the notice of filing XXXX XXXX XXXX and the discharge date. I called XXXX back and that same woman said This is XXXX XXXX  then hung up on me. She did this several times then I stopped calling.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 1. Account Number- ( XXXX ) Account name - ( XXXX XXXX ) 2.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 3.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 4. Account Number- ( XXXX ) Account name - ( XXXX  XXXX XXXX ) 5.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 6.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 7. Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 8.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 9.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer report.

Dear Trans Union : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have disputed several things with my credit report and the credit bureau are refusing to correct the information that should have been removed from my profile and inaccurate information is still being reported.

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 2023-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
phoeniix financial services has falsely been trying to collect this in 2019 it was determined this is a false demand again reference number XXXX action taken closed XX/XX/2019 your company 's number also XXXX, this has been paid and this debt is not owed, paid by insurance company, this is a false attempt again by this company, furher more XXXX has falsely stated this is true, it is not true, this company phoenix has stated they owned the debt from another attorney the last time mis representation again, this should be illegal. 
PLEASE ASK THEM WHAT METHOD THEY USED AND PROOF THEY USED. WHEN WAS THE ACCOUNT IN QUESTION OPENED AND WHEN WAS IT CLOSED. AS WHAT INSURANCE I HAD THAT PAID THIS ACCOUNT WHAT ARE THE TERMS SHOW PROOF OF ORIGINAL COMPANY BILL, NOT A MADE UP ONE BY THIS COMPANY please investigate fully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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.

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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

the following personal information is incorrect I demand that the following personal information be DELETED immediately XXXXXXXX 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, PA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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.

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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

the following personal information is incorrect I demand that the following personal information be DELETED immediately 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, PA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

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 2023-04-29 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: WA

Complaint narrative:
Opened Wells Fargo Everyday Checking on XX/XX/2023 with {$320.00} welcome bonus. 

Welcome email from Wells Fargo states : " Your application was approved and your new account is eligible to receive a bonus upon meeting eligibility requirements and qualifying activities. '' The terms are : ( 1 ) Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2023. All account applications are subject to approval. 
( 2 ) Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account.

I satisfied ( 1 ) by making an opening deposit of {$500.00}, which posted on XX/XX/2023. 

I satisfied ( 2 ) by making a direct deposit of {$1000.00}, which posted on XX/XX/2023 and is listed as " Category : Direct Deposit '' on Wells Fargo website. 

Therefore, I have satisfied all requirements of the {$320.00} bonus, but Wells Fargo has not paid the {$320.00} bonus. I contacted Wells Fargo ; they submitted a back-office form but have not heard back since. I am asking the CFPB to promptly take action and credit my account {$320.00}.

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 2023-04-29 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: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( loancare XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 clearly states that 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 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these/all late payments and update these accounts immediately as you are in direct violation of several laws under 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 2023-04-29 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: MI

Complaint narrative:
I have 13 negative collection on my report that are still there even though they are closed I have disputed many of them but they say they did nothing wrong I also had a equifax breach on my report back about 6 months ago And I have loans that I didn't even apply for on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I locked my credit card because my payments were higher when I had found a full time job after losing my previous job to Covid. However, when i received a letter from Radius, they keep giving me a run around and not allowing me to set up a payment plan to pay off my credit card within 12 months. Now they are demanding my personal information ONLINE including my social security numbers etc. I do not think this is acceptable now that I already had my identity theft happen to me last year. All I wanted was a payment plan set up to pay off my credit card with XXXX XXXX. That is all. The company is Radius Solutions. Not sure if anyone is aware of this company? Is this company legit because they should NOT be asking for my personal information via E-mail. Thank you for any help I can received.

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 2023-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I am attaching a letter requesting information in writing for validation of debt I am being sued for. I did not receive any prior notice but a lawsuit and wage garnishment request. As this is the first notification I received, my letter is in response to the voice mail caller 's message, " You have been notified! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Please see below regarding current late payments in last 12 months dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TD Bank/Target 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  This is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Synovus Bank
State: FL

Complaint narrative:
Please see below regarding current late payments in last 12 months dates : 1st Digital/Synovus XXXXXXXX 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 XXXXhis is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: CA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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