vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXXXXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
in XXXX Wells Fargo XXXX XXXX offered me a XXXX XXXX devise to log into my checking account where I had XXXX for months without any withdrawal. I could only access with that device. Somehow around XX/XX/XXXX ( have not exact info as Wells Fargo would not send me info ) someone not authorized by me created direct pay ( I never got the alert ), changed my mailing address and phone # to Florida address and starting XXXX started to withdraw $ XXXX daily direct pay in $ XXXX increments to payee with Strange names. All this time no alert, no bank contacted me. Strange enough on XX/XX/XXXX I logged into my account on line via secure devise and printed statement, not knowing that someone is taking money while I am int here with my secure devise. This came to my attention on XX/XX/XXXX, Saturday. I called to report the fraud, they blocked my on line access and advised me to go to branch on Monday XXXX to re open another account. I did. While I am in branch opening another account it is still not allowing me an access without a device. They opened another account and told me that the investigation will take XXXX business days. I got a mailed affidavit to be completed and sent back, I sent that in on the XXXX, but a day later I got a mail dated XXXX advising me that the investigation is closed and I was responsible for those missing funds. UP to this date no contact. No concerns. They closed the claim without reviewing my affidavit.. This is internal XXXX every time I bring that up with Wells Fargo they hang up on me. The claim # is XXXX. This is internal theft.

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 2024-07-02 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/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 2024-07-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: DE

Complaint narrative:
Re : Demand for Debt Validation for Account Number : XXXX Dear Credit Corp Solutions Inc., I am writing to you regarding the above-referenced account number. I have recently been contacted by your company regarding a debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with full validation of this debt.

To be clear, I am requesting that you provide : Verification of the debt A detailed account statement and a complete payment history to substantiate the amount claimed. 
Documentation proving your legal right to collect this debt Copies of the original creditor agreement and any relevant assignment or transfer documents. 
Proof of ownership Evidence that you have been legally assigned the right to collect this debt, including a copy of the assignment or sale agreement from the original creditor. 
Until I have received this documentation, I do not acknowledge any debt to your company. Furthermore, I request that all collection activities cease and desist until this debt has been properly validated. 
If you fail to provide the requested information within 30 days of receipt of this letter, I will consider this matter resolved, and any further collection attempts will be regarded as harassment and a violation of the FDCPA. 
I am also informing you that any negative credit reporting that may have occurred during this period of dispute will be contested with the credit bureaus unless the debt is validated to my satisfaction. 
Please send the requested information to my address at your earliest convenience. I look forward to resolving this matter promptly and amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Police Report ( Case # XXXX ) and FTC Identity Theft Affidavit ( Reference # XXXX ) are attached. 

From the filed police report : Subsequent to the incident outlined in Report # XXXX, there is an additional fraudulent charge of {$10000.00} on AMEX card ending XXXX. The transaction took place through XXXX and the money was sent to an individual ( XXXX XXXX - XXXX ). The transaction was categorized under 'Consulting Services ', however I never spoke to XXXX XXXX XXXX received any products or services from this person. Additionally, according to the transaction ( XXXX ), the 'Ship to " recipient is XXXX XXXX XXXX XXXX and the address is listed as XXXX XXXX XXXX, XXXX XXXX XXXX Ml XXXX. The demographic information differs significantly from my own and I have no association with either this person or address. As a result, please update Report # XXXX with this XXXX credit card breach as I'm confident it is related to the original incident on XX/XX/year>. 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: FL

Complaint narrative:
I originally initiated assistance from Briteside Solutions because of a financial hardship experienced, and my enable to timely pay an installment loan. After speaking with a representative, I signed up for their debt elimination program, which cost a monthly fee of {$880.00} a month, for 22 months. The premise of their debt elimination program stems on the debt reaching a collection state, and the original creditor not suing in court to collect. Since the creditor opted to sue, Briteside Solutions could not meet their contractional obligation, and had to refund what I paid into the program ; {$880.00} for 8 months, minus {$59.00} per month for credit monitoring fee. On XX/XX/XXXX I received a call from XXXX, a Quality Assurance representative, stating that {$6500.00} was the amount of my refund and I would receive it in 7 to 10 days ; XX/XX/XXXX at the latest. I then contacted XXXX, on XX/XX/XXXX, after not receiving my refund, and questioned the delayed. XXXX told me he would contact upper management to ascertain why there was a delay in my refund. I then received a return call, from XXXX, XXXX minutes later stating he had not received an answer or even a return call to has inquiry and promised a return status-call that day ; no call. I have since left numerous messages, with XXXX response, to several individuals at Briteside ; this includes XXXX, my ex-Account XXXX ; XXXX, Quality Assurance Specialist ; and left messages in their general Quality Assurance Specialist voicemail box. This demonstrates Briteside Solutions total lack of integrity and concern for XXXX. As of today, XX/XX/2024, no one from this company has even return my call. This is definitely a case of elder financial abuse; concluding that since I am XXXX XXXX XXXX, Briteside Solutions feels they can take advantage of 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 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I was looking at my credit report and noticed a account that has been reported by RMP Services to credit reporting agencies. I am unaware of any agreement or contract with RMP Services and have no knowledge of the debt in question. 

According to my credit report dated [ Date ], RMP Services has reported a debt without properly notifying me of its existence or providing me with an opportunity to dispute it. This lack of notification and opportunity to dispute violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, RMP Services has failed to : - Provide me with written notification of the debt 's existence prior to reporting it to credit reporting agencies. 
- Notify me of my right to dispute the debt within 30 days of receiving a collection notice, as required by the FDCPA. 
- Notify me at least 5 days before reporting the debt to credit reporting agencies, as required by the FDCPA. 

Furthermore, I have never entered into any agreement or contract with RMP Services, nor have I received any communication from your company regarding this alleged debt prior to its appearance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Trying to purchase an RV motorhome from said person on the internet working under the personal name of XXXX XXXX. Told us to give his dad XXXX XXXX of the business of XXXX XXXX in XXXX, XXXX a call for communication. Phone number provided was XXXX. He provided all personal and business information that was necessary for transaction. After multiple phone calls, text messages, online messengers was told to wire the money to Wells Fargo Bank and vehicle was set to be transported and delivered. Said person was able to provide copys of title and all necessary information for purchase. Money was sent on Friday, XXXX with the expectation of unit to be delivered Monday/Tuesday of the following week. On Monday XX/XX/XXXX at XXXX XXXX with Wells Fargo Risk Loss Prevention ( XXXX ) contacted us stating there was suspecious activity with wire and wondering if we would authorize the release of funds. We told them to not release the funds and we would check into the situation. She provided a reference number ( XXXX ) to contact them back with at phone number XXXX. They obviously called me for a reason. On Wednesday morning XX/XX/XXXX, we contacted Wells Fargo with reference number and spoke with XXXX to not release the funds as there was fruad that had occured. They told us to contact your bank to have them start the process. We asked them if they thought we would get the money back, they replied yes. On Friday XX/XX/XXXX they contacted our bank ( XXXX XXXXXXXX XXXX XXXX XXXX  ) and told them the funds were gone and no longer available. 

We have tried multiple times to contact Wells Fargo to get more information, figure out what happened, talk to an upper management, etc... There response has been, they don't have manager, have hung up the phone multiple times and refuse to provide any information as to the situation or the money.

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 2024-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists CREDIT CARD XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-02 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:
I looked at my credit report on XX/XX/2024, and I noticed a few things to be incomplete and not accurate. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it shall follow certain procedures to ensure that the information that they are reporting is true and accurate for whoever the report relates to. 

This account XXXX XXXX # XXXX is not complete and accurate According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachments below :

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Some of my personal information is inaccurate and non-applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXX, Canes and Weiner, XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. XXXX has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! XXXX are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with XXXX and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquiries that 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 explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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