vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I participated in a house auction named XXXX, XXXX and since I didnt get the house that I wanted they sent me a check, when I recieved the check I did a mobile deposit though my Wells Fargo bank XXXX I know the bank takes a few days to deposit it in my account through the mobile. I left the check in my car by mistake and since I do XXXX someone stole the check because the bank called me that they couldnt deposit it because someone physically deposited it on XX/XX/XXXX XXXX  through XXXX XXXXXXXX bank. I dont have a XXXX XXXX bank account and the person who stole it was able to cash it because I had already signed it to do the mobile deposit.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I attempted to report fraud and a scam to Capitol One which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX XXXX XXXX and was not identified by Capitol One as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a Capitol One, National Association Account ending in XXXX. During this period of 37 days, Capitol One provided XXXX indications that there was any problem with this payment. 
On XX/XX/XXXXXXXXXXXX XXXX Capitol One closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XX/XX/XXXX and XX/XX/XXXXXXXX 
I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. 
Capitol One filed a suit for collection against me, XXXX XXXX XXXX Case Number XXXX, XXXX XX/XX/XXXX. I requested it be dismissed since Capitol One had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond Capitol One requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though Capitol One is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if Capitol One refuses to do a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this. 
Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

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 2024-01-04 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: FL

Complaint narrative:
I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent off dispute letters to XXXX, XXXX XXXX TransUnion asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent off dispute letters to XXXX, Equifax XXXX XXXX asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent off dispute letters to Experian, XXXX XXXX XXXX asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX 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 2024-01-03 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: GA

Complaint narrative:
XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-03 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: CT

Complaint narrative:
Please remove all the hard inquiries.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: UT

Complaint narrative:
Since before my student loans were due again in XX/XX/, I have been trying to either get a forbearance or deferment on my loans. I have submitted the forms for both multiple times over the following couple of months and I have not received a single response yet. I have a lot of medical bills recently because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I can not afford to pay my student loans at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I purchased a American Express prepaid card from XXXX on XX/XX/XXXX at XXXXXXXX XXXX. I attempted to make a purchase on XXXX on the same day a few hours later, and it didnt go through. I did research about this and others experienced the same issues. 

At around XXXXXXXX XXXX  on XX/XX/XXXX, after attempting to make other purchases both online and in stores and having them decline, I called the AE customer service. 
At XXXX I was forwarded to someone who asked me about info on the card. He told me he verified the card and to wait 24 hrs and try to repurchase the same XXXX item, and around XXXX today i tried it again and it still didnt go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I am filing this complaint due to an unjust debt collection attempt made by CREDIT MANAGEMENT claiming that I owe a debt for XXXX XXXX services at an address where I have never resided or authorized services. 

XXXX XXXX of the Dispute : Incorrect Service Address : The debt collection notice states that the services that they provided. I have never lived at this address nor have I ever authorized or utilized XXXX XXXX services there. 

Absence of Wet Signature for Service Agreement : Importantly, I have never signed any service agreement with XXXX XXXX, especially not for the address mentioned. A " wet signature '' ( a physically signed document ) is typically required for such agreements, and no such signature exists from me, as I have never engaged in any contract with XXXX XXXX. 

Time Period of Alleged Service : The alleged service period. Throughout this time, my actual residence was at [ Your Actual Address during that time ], which can be substantiated with [ mention any proofs like lease agreements, utility bills, etc. ]. 

Account Information : The debt collection notice references account number. I have no knowledge of this account and reiterate that I have never entered into any agreement with XXXX XXXX. 

Request for Validation of Debt : I request comprehensive proof of this debt, including a copy of any service agreement bearing my wet signature, details of the service provided, and any evidence linking my identity to this account. 

Impact on Credit Score : I am highly concerned about the potential negative impact of this erroneous claim on my credit report and request that all related negative reporting be immediately rectified. 

Sought Resolution : Given the absence of any valid agreement or service usage on my part, I request the following : Immediate cessation of all debt collection attempts related to this claim.

A formal acknowledgment of the error and confirmation of my non-liability for this debt.

Immediate correction of any negative information furnished to credit reporting agencies concerning this matter. 
This situation appears to be either a case of mistaken identity or fraudulent activity. I am willing to provide further necessary documentation to aid in the swift resolution of this issue. 

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services ( EWS ) gave me a report that listed the transaction I have with XXXXXXXX XXXX XXXX XXXX XXXX XXXXk, and more. This should not be the case ( EWS ) is violating long standing privacy laws, rules, and Acts. A notable one is under 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Early warning services is a third party non affiliate and did not gain my permission for believe or in writing. 
This is a violation of my privacy. I ask for early warning services. If you have reason to believe that you do or are you allowed to have this information and to report set information? Please provide me with proof Add with proof that any of the affirmation Financial institutions gave you this.

And at this does not go against their privacy statements.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 6803 - Disclosure of institution privacy policy,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/XXXX  in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XXXX XXXX which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.

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 2024-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/ in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XX/XX/2023, which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
34 CFR 682.208 ( 3 ) Due Diligence in Servicing a Loan : " Upon receipt of a valid identity theft report as defined in section 603 ( q ) ( 4 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) or notification from a consumer reporting agency that information furnished by the lender is a result of an alleged identity theft as defined in 682.402 ( e ) ( 14 ), an eligible lender shall suspend consumer reporting agency reporting for a period not to exceed 120 days while the lender determines the enforceability of a loan. '' As a result of attempting to communicate with XXXX over a year on my loan, I ultimately stopped payment on my loans in XX/XX/XXXX  in order not to ratify any modifications to my contract after discovering identity theft in the form of an unauthorized XXXX  application in XX/XX/, which XXXX now admits was not applicable to my account. ( Notably, had XXXX pushed my payments ahead due to all of the overpayments, I would be years ahead at this point. ) I provided proof of identity theft ( attached ), yet my credit reports have not been updated in accordance with the foregoing section. I am a small business owner and unable to obtain favorable interest-rate loans for the continued operation of my company as a result of the effect of this identity theft and failure to properly service my loan.

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 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 explanation
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I got a bill from Resurgent Capital Services XXXX XXXX XXXX, XXXX SC XXXX tel : XXXX but the original creditor is XXXX XXXX XXXX XXXX, a utility company. 

This bill is originally in regards to an account someone opened up for utilities with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX This person committed fraud by using my social security number to open the account which was for an apartment in Texas. 

Ive never lived in Texas. Just California and Nevada. 

This is fraud. Please help I want this off my credit report.

Company response to consumer: Closed with explanation