vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have tried to fix an issue with Wells Fargo about a stolen check. They have denied my claim and do not refund me my money when it was cashed by an on authorized person Wells Fargo did not protect my account, allowing this check to be forged and to be cash by a on authorized, Wells Fargo user itself. There is a specific line that says to notify within XXXX months after they have made the account statement available if I identify any on authorized or altered endorsement. My check was for my rent for the month of XX/XX/2022. I was not aware it was altered until my landlord requested a second payment because the first one was not received. I check my account and saw that the check was cashed, and I did not question the cash of the check because I knew that money would come out. I am asking for this to be fully investigated, and who cashed my check, and to get a refund on my money there is no way that I should be denied my own money back when it was on authorized to leave my account from the person who cashed it, I will attach the note that was sent to me and I will attach a picture of the forge check please investigate further into this matter. I can not trust a bank who does not protect my money and Im sure a lot of people who bank with Wells Fargo could agree that they should not happen. There is a six month. From when I realized any altered endorsement on my statement, and I notify them before the six months.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company has closed my accounts and I was also told there was 19 other accounts with my social security number which I never applied and I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And check fraud dept of Bank of America didnt take any action on those accounts or dispute any checks that was write out to me which I didnt do that cause my last and recent account to close on around XXXX of XXXX and I wanted to take action on these 19 other accounts and get them removed for fraud or purge from XXXX XXXX XXXX to avoid a possible legal actions I dont want any more correspondence from bank America from credit card offers or any mail from them.. this is a legal warning

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 2023-01-10 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: UT

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Yes my name is XXXX XXXX I saw a article online about XXXX  credit acceptance this is where I got my loan from for a XXXX XXXX XXXX the price for the car was XXXX XXXX monthly payments was XXXX I never really understood the agreement in was just so excited to get a car my girlfriend co signed I really didnt know this car would hurt me financially with the payments & interest tax it hurts me with hardship in yes its the same loan company credit acceptance I co signed for a Friend in he pays XXXX XXXX  month its just ridiculous his name is XXXX XXXX I co signed for him in its bad cause he cant even refinance this will make a person XXXX XXXX or look to XXXX  activity because its like weight on my shoulders I cant get off

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. 

They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. 

She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. 

If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! 
Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I noticed on my credit report that someone has tried to open an account in my name multiple times. 

COMENITYCAPITALXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
XX/XX/XXXX, my mother was handed a letter for an income execution that was against me sent by Forster & Garbus. XX/XX/XXXX We immediately contacted Forster & Garbus and eventually were informed that this stemmed from XXXX XXXX, a credit card that was opened in my name in XXXX! I informed XXXX XXXX at Forster & Garbus 's Fraud department that I have never had such or credit card. In fact, this was the very first we had even heard of such a credit card. I am a victim of identity theft. Whoever opened this credit card put down an address I've never lived at, and listed an employer for whom I have never worked. Therefore, all prior attempts to contact me never reached me else I would have had a chance back in XXXX to dispute this when it first was filed with the sheriff 's department for income execution. Research shows XXXX XXXX has been a defunct company for more than 10 yrs. 

XX/XX/XXXX, I filled out an Affidavit of Fraud, on XX/XX/XXXX Forster & Garbus decided it was a vaild debt no matter what we had stated. XX/XX/XXXX filed an Identity theft report with identittheft.gov, and put alerts on my credit report. We contacted the State Police regarding the matter but we were informed the statute of limitations was up to even arrest anyone. 

XX/XX/XXXX, Forster and Garbus have now located my actual employer and a wage garnishment is pending. I have requested repeatedly for proof of the debt and informed by Forster & Garbus there is no paper trail. No copies of any such statements, no copy of the alleged credit card application. Oddly enough, this appears no where on my credit reports causing us to wonder if this isn't a scam debt. Despite all this, there is now a pending wage garnishment for {$3100.00} for a debt I never incurred from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: TN

Complaint narrative:
I went to XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX was the first due date for my medical bill, but it seemed like XXXX XXXX in XXXX XXXX was charging way too much, so I called them to ask for an itemized bill. I had to call them multiple times to try to get an itemized bill with billing codes. During this time, they told me to disregard any due dates until they resolved the matter. I received a bill with billing codes, and they were charging me for an extended visit of XXXX hours when I was only able to see the nurse and doctor for less than 10 minutes before they told me that I would need to go to the ER. On XX/XX/XXXX, I received a collection notice from KLS Financial Services , Inc. for the bill that I was disputing. On the same day, I called XXXX XXXX about the collection letter and they said that they would send the matter to management to try to get a resolution. On XX/XX/XXXX, I called XXXX XXXX again to see if they had resolved the matter, which they had not, so they said they would send it back up to management with a note that I had called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but XXXX refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, XXXX and Equifax have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
This is a second complaint referencing the fraudulent charge mentioned in the complaint XXXX to the Wells Fargo credit card ending in XXXX, a card I have not used for at least XXXX years and expired in XXXX of XXXX. 

As mentioned in the complaint filed XX/XX/XXXX : when reporting the fraud on this account, my conversation with the Wells Fargo fraud section representative on XX/XX/XXXX included my direct unambiguous requests to NOT ever issue any new cards to this account. 

Today XX/XX/XXXX, less than XXXX weeks from the above mentioned direct request, I am reporting that Wells Fargo has issued a card with a different account number that was received at my address. This is Wells Fargo intentionally circumventing my direct request to cease having active cards issued for this account. XXXX. 

The document attached to the new card suggests this new card is attached to the same credit account under my name but has changed some of the numbers on the card face. Issuance of this card suggests Wells Fargo is attempting to keep the account active against my wishes and collect on fraud, both represent fraud. 

I will not be activating this card. I consider this activity clear evidence Wells Fargo is in the business of making money through deception and/or fraud.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the victim of identify theft and have tried to resolve this previously but Transunion is still in violation and using excuses such as proof of address ( attached to this complaint ) to delay the removal of unverified account : XXXX XXXX with no balance shown and needs to be deleted. limit {$5000.00} with no balance shown. 

No FCRA verification sent, FTC letter ignored. I'd like compensation for this violation for no less than {$1000.00}. 

My ID and SOCIAL with address and FTC report is attached as to not have them answer with any cause to delay this. 

Proof of address they asked and here it is again 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 2023-01-10 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: FL

Complaint narrative:
It was deemed by Equifax there was no proof validating ownership with a signed contract owing XXXX XXXX XXXX account # XXXX in regards to this account on my profile. Therefore, it was removed. 

Then 5 days ago on the XX/XX/23 it was added back on to my credit profile. 

However, I WAS NOT notified in writing within 5 business days per FCRA guidelines of the reinsertion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
Transunion is reporting inaccurate, fraudulent information of two company 's that I have never had any association with. I am victum of idenity theft and have provided Transunion with copies of my valid legal identity. This derogatory data, is resulting in failure of me obtaining a 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was told if i paid off the debt they would delete it. XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. 2 credit cards was opened under my name and ssn, Also hard inquiries from someone trying to get a car loan under my name and ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Ive attempted multiple times to dispute medical held collections held by the thomas agency and they have removed some from just one credit report but refuse to remove those same collections from the other reports as well in violation of the fair credit report act. As well as they have provided zero proof of debt for these debts and have refused to provide proof beyond stating i owe these debts to them. The lack of proper management and procedures to report debts and handle them has negatively impacted my ability to get loans credit cards and home loans. As well as forced me to take higher interest rates

Company response to consumer: Untimely response
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over the last decade, i have sent credit card payment to capital one XXXX  days before due date. it arrived in XXXX to XXXX  days, which is same as XXXX  payment also in XXXX XXXX, ill. further verification is electrical cancellation of checks from my account. my XX/XX/2022 did not clear my account for 12 days. then my XX/XX/2022 bill was assessed a {$5.00} interest charge and {$25.00} late fee. i had postal service my track my XXXX through XXXX payments. these arrived within 3 days and was signed by a capital one employee. then i stopped tracking and my next bills were assessed additional fees.

Company response to consumer: Closed with explanation