vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/scrub>/2024 with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>2024. They have not responded as of today. A second letter was sent today ( XX/XX/year>2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX  Creditor Name : XXXX XXXX Account Number : XXXX ********* Date of Charge Off : XXXX Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately.

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account 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
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX  Creditor Name : XXXX XXXX Account Number : XXXX ********* Date of Charge Off : XXXX  Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately.

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account 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
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against Jefferson Capital System LLC. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ).

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX ssn XXXX XX/XX/XXXX? XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Days of receiving this complaint. This information consists of a cell phone account, XXXX account number ( XXXX ) A medical bill account number ( XXXX ) A car loan, Account number ( XXXX ) And a credit card account, Account number ( XXXX ) these accounts has resulted in several fraudulent hard inquries and collections appearing on my consumer credit FICO report. All of the aforementioned accounts, are the result of identity theft. i have attached a copy of my FTC report, as proof that these accounts are 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 2024-09-29 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number 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 2024-09-29 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The listed accounts on my credit reports are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
This breach has not only compromised the integrity and confidentiality of our business information but also poses a significant risk to our operations and reputation. We believe this incident warrants immediate investigation and action to prevent further unauthorized access and to mitigate any potential damage. Google, XXXX, XXXX  and google pay google XXXX  Requested Actions : Conduct a thorough investigation to identify the source and method of the data extraction.

Implement enhanced security measures to prevent future breaches. 
Provide a detailed report of the findings and steps taken to address the issue. 
Assist in the recovery of any lost or compromised data. 
We trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide an estimated timeline for the investigation and resolution. over a XXXX in revenue that i have this the code used to extrect my info for there own # Sample data ( replace with your actual data ) data = { 'order_type ' : [ 'Online ', 'In-store ', 'Phone ' ], 'sales ' : [ XXXX, XXXX, XXXX ], 'cost ' : [ XXXX, XXXX, XXXX ], 'date ' : XXXX ( [ XXXX ', XXXX ', XXXX ' ] ), 'brand ' : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " ], 'margin ' : [ XXXX, XXXX, XXXX ] # margin = sales - cost } XXXX = XXXX ( data ) # Calculate average sales for each order type avg_sales_per_type = df.groupby ( 'order_type ' ) [ 'sales ' ] .mean ( ) # Calculate average cost of completed orders each day this year ( assuming 'completed ' means margin > XXXX ) completed_orders = df [ df [ 'margin ' ] > XXXX ] avg_cost_per_day = XXXX ( 'date ' ) [ 'cost ' ] .mean ( ) # Calculate brand with highest total margin total_margin_per_brand = XXXX ( 'brand ' ) [ 'margin " ] .sum ( ) highest_margin_brand = total_margin_per_XXXX ( ) # Calculate total sales for the last 3 months ( assuming today is XX/XX/year> ) last_3_months = df [ df [ 'date ' ] >= pd.to_datetime ( XXXX ' ) ] total_sales_last_3_months = last_3_months [ 'sales ' ] .sum ( ) # Print the results print ( " Average sales for each order type : '' ) print ( avg_sales_per_type ) print ( " \nAverage cost of completed orders each day this year : '' ) print ( avg_cost_per_day ) print ( " \nBrand with the highest total margin : '' ) print ( highest_margin_brand ) print ( " \nTotal sales for the last 3 months : '' ) print ( total_sales_last_3_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 2024-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received an unclaimed property letter on behalf of my deceased grandfather, XXXX XXXX back in XXXX, 2024. I went to a Wells Fargo branch near me and an associate guided me through the process of receiving the unclaimed funds. I'm the heir on his will, I sent in the death certificate, the letter received in the mail, and the front of back of the general power of attorney that they asked for. I waited weeks after emailing the unclaimed property email as instructed. Gave the number I was given a call for an update on the status of my request, only for the representative on the line to tell me that they have a lot of inquiries and that if I don't receive an email from them then typically that's a good thing. I'm assuming he just didn't want to escalate or transfer me. So I wait another few weeks. It's well past the 6-8 week time period they quoted me at this point and I give them another call. The lady on the phone was INCREDIBLY unhelpful, sounded bored and irritated with that fact that I was even calling. She tells me point blank to just email the unclaimed property email address and ask about the status. She says it'll take 7-10 business days to receive a response. I waited and waited. NOTHING. Last week, I received an email saying that they can not tell me anything about the unclaimed property and that XXXX XXXX himself is going to have to reach out for further information. Is this for real? HE'S DECEASED. I can't believe this. By far the WORST service from a bank I've ever received. This is exactly why I constantly tell people not to bank with Wells Fargo. Simply because they're scammers and they DO NOT CARE.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
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 2024-09-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Progrexion Holdings, Inc.
State: CA

Complaint narrative:
Someone is using my information ( XXXX XXXX ) for services from creditrepair.com. i called them on XXXX  and spoke to XXXX. He was supposed to close file but I received email that they continued with services which i never requested. Someone using address XXXX XXXX, XXXX XXXX  was on my credit report. I requested it be removed from the credit bureaus.

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 2024-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I checked my aidvantage account and saw that all of a sudden my forbearance changed from XXXX XXXX to XX/XX/XXXX. No email, no call, no form of communication was given about this sudden change, and my loans started accruing immediately without notice. I had already planned to pay everything before that time frame, but was forced to do it sooner than later. One can only imagine the amount of frustration my husband and I felt having to take out a large chunk of money in our savings. I spoke with a representative for an hour, and they were also confused why I never received any forewarning about this sudden change. Not only that, but they still havent processed my {$1000.00} payment scheduled for XX/XX/XXXX, yet were able to successfully get the {$10000.00} that we took out from our savings. NOW, I still have interest accruing when I shouldve been done since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: DE

Complaint narrative:
After recently reviewing my credit report i've notice a fraudulent XXXX XXXX account on my credit report. Please remove this fraudulent account, it is causing me hardship and its unfair.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, Transunion and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, XXXX and Lexis Nexis. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-29 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: GA

Complaint narrative:
XXXX Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from XXXX TransUnion updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.

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