vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Credit Corp Solutions for multiple Fair Debt Collection Practices Act ( FDCPA ) violations. Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : They acquired debt from the original creditor without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XXXX XXXX XXXX, I sent a written request to Credit Corp Solutions requesting verification of the alleged debt they were pursuing against me. However, the agencies failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Credit Corp Solutions, I explicitly instructed them to cease communicating with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued collecting efforts, including phone calls and letters, disregarding my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 morning, I went to Wells Fargo Bank to check on my accounts. 
I was told that {$40000.00} was wired out of my checking account, and another {$50000.00} was wired out from my same checking account to my business XXXX account, on XX/XX/23. 
Then immediately {$25000.00} was in the process of wiring out of my business XXXX account. 
I was shocked, and asked them to stop it immediately, and get the funds back to me accounts. 
In the same morning I reported to Wells Fargos Lost Prevention Center, and got Case number # XXXX for the {$40000.00}, and Case number # XXXX for the {$25000.00}. 
In the following days, I called them everyday to find out results. 
The {$25000.00} was intercepted and credited back to my XXXX account. 
But there was no information provided for the {$40000.00}. 
Wells Fargo refused to take responsibility for this Unauthorized Fraudulent wire transferring, and refused to pay me back this {$40000.00} caused by its negligence. 
In Wells Fargos Deposit Account agreement page 19, it says : we will follow a security procedure to verify an instruction to send a funds transfer from your account, whether we received the instruction in person, in writing, by phone, or online or mobile, Wells Fargo failed to do their job to verify the transactions with me, neither by my cellphone, nor by my landline home phone. 
Wells Fargo should return my {$40000.00} back to me.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 I was invited to apply for a XXXX XXXX XXXX Credit card through EXPERIAN with excellent approval odds, Only to be denied in return and also affecting my credit score by lowering 70 points. I was on my way to a great reporting status until the denial of credit through Experian after being denied. This denial also attaches a few hard inquiries to my report which is an injustice.

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 2023-05-23 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
REMOVE ALL FRAUDULENT ACCOUNTS 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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
In XX/XX/2023, Credit Karma and XXXX invited me to apply for a XXXX XXXX  also XXXX XXXXXXXX XXXX XXXX card with excellent approval odds. I proceeded to use it on XX/XX/XXXX, XXXX XX/XX/2023, to be denied the credit! At the time Credit Karma is offering a {$50.00} convenience fee for applying if the application results in denial. I have not received either payment for either application. Credit Karma is also reporting invalid contact information for myself as well, which has been updated several times. Please inform the credit bureau to use updated contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.

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 2023-05-23 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: OLIPHANT FINANCIAL, LLC
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} Opilphnt usa llc {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXXXXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All of the accounts, names, etc. I do not recognize. Please have them deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: Self Financial Inc.
State: NJ

Complaint narrative:
I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. Cavers ) A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done. 
You did not properly give me my disclosures. 

I am exercising my right to opt of my information being reported pursuant 15 usc 6802b.

You actions has caused me and my family severe mental trauma, deformation of character You 15 usc 6801 you have an obligation to protect my information Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information.

15 U.S. Code 1681a - ( 2 ) Exclusions. States report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment in fact is a transaction or experience and the information youre sharing to non affiliated third parties like, XXXX, XXXX, XXXX is in fact supposed to be excluded from the consumer report. 
30-60 Days late.

Your actions amount to aggravated identity theft.

18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information.

18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Furthermore you have no lawful authority or permissible to put any accounts on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NM

Complaint narrative:
Seen dept on credit report tried to acknowledge it. Called the dept collector first person was XXXX, he stated that I needed payment in full and no other options that I had to pay it right now or else they would come to my place of living and collect it there and that my kids will pay for my dept or be on the streets like I am. I called and talked to a new XXXX XXXX she said I needed it in full and when I called back to talk to her she wasn't available so XXXX got on the phone and said that I can't have any payment plans and stop trying. So I asked for a letter she denied me a letter saying to get a lawyer if I want to make sure the dept is mine. They said they will continue to harass me and my family.

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried several times to login to the Transunion Despute center and it says that I can not be validated. I have called the number to try to get help logging into the account but the rep has not been able to assist me. The following address needs to be deleted from my transunion credit report : XXXX XXXX XXXX XXXX, CA XXXX. I do not live there.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these account as these are not mine and never will be. I coordinated with them and give them everything but they're not removing this as per FCRA 605B, these accounts must be removed.

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a check for {$55000.00} which was submitted from my XXXX XXXX account to a vendor at a chase bank. Chase bank held the funds due to suspicious check activitybut refused to verify my valid check with the distributing bank. They cashed my check # XXXX on XX/XX/2023, withdrawing the funds from my account. My money is now in limbo with chase bank, as it is not being submitted to the vendor as needed. This is paramount to chase bank stealing my XXXX by refusing to give the funds to the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/25 I open a complaint against Bank of America Credit Card XXXX ID XXXX The status of that case says that BoA is lookin into it, however, now they are trying to charge me double the amount of interest they tryed to charge last month. I did not make any purchases since I discovered they were not giving me the 0 % interest they advertised. And yet, the interest charges after my regular payment is now almost double. Last month was XXXX dollars now they are trying to charge me XXXX dollars for interest. 

They know that I am disputing these charges and they are a long time to respond. Now because they are taking a long time Im being charged even more interest. This is a very abusive way to do business. 

I want them to freeze anything related to that credit card until I have a resolution. I will not continue to pay abusive interest charges while they procrastinate to resolve this issue.

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 2023-05-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
all these items were taking care of in a bankruptcy i did. They should not be reporting on my credit report. I have been trying to dispute these items for the past 7 months and they keep giving me the run around. first they asked for id, ssn and a bill. They they say they will not process because it looks like letters do not come from me. I have replied to every letter they send me and they still failed to investigate my disputes. They just keep delaying and not investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
all these items were taking care of in a bankruptcy i did. They should not be reporting on my credit report. I have been trying to dispute these items for the past 7 months and they keep giving me the run around. first they asked for id, ssn and a bill. They they say they will not process because it looks like letters do not come from me. I have replied to every letter they send me and they still failed to investigate my disputes. They just keep delaying and not investigating

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 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 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 an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit 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 non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit 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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: FL

Complaint narrative:
Sending text and calling constantly. Calling my wife constantly as well.

Company response to consumer: Closed with explanation