vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Commencing on or about XXXX XXXX through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm.

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 2023-08-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am trying to rent or buy own first house and a new car for our military family. All 3 credit bureau has wrong derogatory information that I did not authorized, I am a victim of fraud, now the most recent that I saw thru XXXX XXXX was XXXX XXXX. False report and my personal information being sold by different againes that I'm unaware of. All 3 bureau is refusing to remove these things off my credit report. So I need you guys to fix it we should not have to serve this America country and come home and people has misused our social security numbers and now we can't get approved for us to live. Please help XXXX I can be reached monday thru saturday. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
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 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX Bankruptcy : Bankruptcy, Account/Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Paypal sent an email stating that my account was being restricted due to inactivity. The email and letter both stated that I would not be able to either remove bank, credit or debit cards or close the account. Honestly, I thought the email was a scam until I logged into my account. 

I am not able to use the account and yet I can not remove Paypal 's access to my bank savings account and I can not close the account. Repeated calls to Paypal 's customer service are just as circular in logic as the email - can not use the account nor remove access to my bank account nor close the account. 

My fear is that someone will eventually be able to extract money from my bank savings account without my authorization. It is highly likely Paypal would not take responsibility for the unauthorized transaction in that event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 94 written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Autovest, L.L.C.
State: FL

Complaint narrative:
My payroll is being garnished for a vehicle that was involved in an accident. The vehicle had full coverage and gap insurance to cover whatever expenses occurred after the accident due to it being written off. The vehicle was not my car. I never drove the car or even got into the car. Im confused why Im being liable for something that is not mines and wasnt even notified of this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also believe this same company garnish my wages before at a previous employer in the year XXXX. 
The company is Autovest Financial Services LLC being represented by a collection agency 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 2023-08-18 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: FL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : 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 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modern Adjustment Bureau
State: MI

Complaint narrative:
I want to make a dispute on my XXXX profile. A collection for Modern Adjustment Bureau was settle in court with a dismissal and judgment set aside with no moneys owed. Please see attached court document. they fraudulently refiled with the court with no Judge opening back up the case. You can check with XXXX Court of Records to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for an account and was denied, pursuant XXXX cfr XXXX discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623  ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: MD

Complaint narrative:
This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt. 

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX XXXX  I made an electronic payment to my Ollo card in the amount of {$520.00}. This would pay the card off in full. On XX/XX/XXXX Ollo debited my checking account in the amount of {$520.00}. The problem came in on XX/XX/XXXX, when they duplicated that debit leaving me a credit on my account of {$520.00} and my checking account was debited in the amount of {$520.00} XXXX separate times. I made an assumption that this was a mistake and would clear itself up, or that I would have access to the additional money through Ollo. I checked my account with Ollo and it showed that I have a credit on my account of {$520.00}. 

Here is the issue : On XX/XX/XXXX, I attempted to use the {$520.00} and was declined. I called the customer service department and they told me that it would take XXXX weeks to get the additional payment back, there was no way to expedite the refund or give me access to the money any sooner. I find this to be a deceptive practice since they made no attempt to refund the over payment until I called and complained. I also find this to be unfair since they have my money and are refusing to refund it in a timely manner. They already have had that money for 7 days, they are stating that it will be another 14 days to get it back. Finally this is abusive as had I known that they were not going to give me access to the funds, I would have made a request immediately to have the funds returned 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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC
State: NY

Complaint narrative:
Received four calls from the same number XXXX on the same day, XX/XX/2023, at XXXX, XXXX, XXXX, and XXXX. I confirmed the company calling me is XXXX XXXX XXXX. They had the wrong number, I am not the person they are hoping to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened up a credit card account with Torrid earlier this year. I made one or two purchases and decided to close the account. Over the phone, I paid off my remaining balance and requested my account be closed, which I was told it would be. I began receiving daily phone calls from Comenity Bank telling me that I had a balance. I didnt realize it was associated with Torrid and in XXXX of this year, I made a payment of around {$25.00}. Again, I began receiving daily phone calls and about a month ago, I spoke to a representative and they told me that I had a balance of {$82.00} and that I needed to resolve it. The {$82.00} was due to internet charges and late fees. I explained the situation and demanded my account be closed and I refused to pay the charges. The representative assured me that he would get rid of the charges and close my account. Today, I received ANOTHER bill in the mail for {$82.00}. I am extremely frustrated and I need help getting them to close my account. Every month they are stacking on more charges from interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Dear CFPB I am writing to register a complaint against FIRST CREDIT SERVICES XXXX XXXX, a debt collection agency, for their persistent harassment and mishandling of my bill. 

Account : XXXX Last year, I enrolled in a coaching program offered by afaa. However, due to my failure to pass the associated exam, I admittedly paid little attention to the matter and eventually forgot about it altogether. It wasnt until recently that I was contacted by a debt collection agency regarding the outstanding payment, which served as a reminder of the situation. 

Promptly, I reached out to afaa and expressed my willingness to settle the unpaid debt. While I acknowledge my responsibility, the certification no longer holds any value for me. Additionally, I had an unused exam opportunity from the previous year. I inquired whether it would be possible to retake the exam upon resolving the outstanding payment. 

To my dismay, XXXX informed me that not only do I need to clear the debt, but I also need to pay an additional {$99.00} to become eligible for the exam. This would amount to a total payment of {$300.00}. I have conveyed that the certification has lost its significance for me, and the exam itself has been rendered less valuable with the emergence of tools like XXXX, which make passing it relatively easy. As such, the demand for {$300.00} appears to be a form of deception. 

I have attempted to engage with the seller in search of a resolution. However, I am resolute in my refusal to acquiesce to the condition of paying an extra {$99.00} after settling the original bill. I implore the relevant authorities to exercise oversight over organizations that exploit financial situations without providing meaningful services. It is entirely unacceptable to have my bill escalated to a debt collection agency. 

I appreciate your attention to this matter. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation