vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been billed monthly by TransUnion for over two years. I signed up for a trial and it has been difficult to end it. Calls are put on hold for hours. Their text service gives a " sorry it's taking so long " message. When I finally got through on XX/XX/2023 they denied I have an account. I have now blocked them on XXXX from charging my account again. But I am concerned with what they can put in my credit reports. The whole time one is on hold they try and sell you more products. This seems set up to allow them to charge people and not allow cancellations.

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 2023-02-22 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: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo stool my money too

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 2023-02-22 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: NRA Group, LLC
State: FL

Complaint narrative:
Please produce Original contract for said debt {$760.00}. XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent company on my credit report please remove immediately acct opened XXXX I have googled to call and settle debt its complete fraud. Please remove 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 2023-02-22 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .Ally financial XXXX ) .XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX  XXXX ) .XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I dont even know if its me they are trying to get a hold of, since I get other calls for the previous owner of my number. They keep calling without leaving a message, and when I block them, they call under a different number and use the same tactic of calling and hanging up without leaving a message. Im assuming theyre a debt collector because thats what I get when XXXX  the name ( Midland Credit XXXX Always shows up no matter what number they use. ) If its me theyre after for a debt, the least they can do is honestly get a hold of me instead of constantly just calling and hanging up. Thats downright harassment and poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank is paying approximately .01 % interest in savings balances. When the national interest rates were near zero, that made sense. Now, short term interest rates are near 4 %. The bank is taking advantage of small savers and making massive profits with the miniscule payouts to their savings customers. Probably happening at XXXX XXXX XXXX XXXX XXXX 
Should be getting some national attention. 

Can you help bring this to light????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: VA

Complaint narrative:
I have identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.

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 2023-02-22 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: VA

Complaint narrative:
I have identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX Capital One closed all three of our family and personal accounts We were told that they no longer wanted us my savings, personal and joint accounts with my husband. They made it difficult for us to withdraw the funds and we had to go to the bank and communicate by phone to CapitalOne It was a tedious process and extended because we had to go to the bank office in XXXX Va Capital One encouraged digital banking transactions and so when the account was closed I no longer had access to my payment history and deposits from my retirement funds and social security were not accepted Bills that were arranged to be automatically paid through the bank were difficult to rearrange and there were some extra fees incurred This many months later its a start to restart some deposits that came from XXXX to my husband in a pension Capital One had a data leak and many charges over several months accrued on two of the accounts prior to the bank refusing to serve us as customers. Credit cards were closed and we were inconvenienced by having to dispute erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX, I made several transfers from my savings account to my checking account that triggered a fraud warning. Citibank closed access to my account and said it was under review. I called several times to remedy this and was told they " can't verify my phone number. '' Citibank fraud protection then sent me a letter to verify my account on XXXX. I responded to the letter immediately. On XX/XX/XXXX, I called Citibank to see if my account is unlocked yet. They said it is still under review. 

I want to close my account and receive a check in the amount of the balance. They are holding my money hostage. They have been telling me the review will happen in 24-48 hours since 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 explanation
Consumer complaint received 2023-02-22 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: IL

Complaint narrative:
I filed a complaint against Experian about some fraudulent accounts and address on my personal credit report. Experian would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is EXPERIAN not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming Experian way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX of state XXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions

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 2023-02-22 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: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX of state XXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
Last fall, we received a Vanilla Gift Card and checked the balance, which was {$50.00}. On XX/XX/XXXX, we visited XXXX to pick-up a few items and attempted to use the Vanilla gift card, which was declined. Later that evening I called Vanilla Gift Card for assistance at XXXX and was informed by customer service that {$48.00} had been charged to XXXX. Confused, I conveyed the fraudulent transaction and was given case # XXXX, also received an email with attachment ( Dispute Packet ) ; stating an investigation would begin once the attachment was completed and returned. 

I promptly completed and returned the email with attachment and received the following response on XX/XX/XXXX " Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please allow time for the processing of your dispute. The entire cycle can take 45-90 days ; however, some cases are resolved before then. '' I followed up after 30 days, on XX/XX/XXXX and received the same response as above. 
I followed up again at the 60-day mark XX/XX/XXXX same response as above. 
I followed up again at the 90-day mark and still received the same response again as above. The 90-day mark XX/XX/XXXX I followed up again and received no response. I contacted them again on XX/XX/XXXX and still no response. 

I called and the automated response stated to allow 180 days, so I waited and until XX/XX/XXXX to follow up again and was informed I would receive an email response. Finally, I called XXXX after about an hour I spoke to a representative, who conveyed the case was still pending resolution. 

I am following up again since there has been no communication or conclusion to my case, which is now five months ( 150 days ) without a reply. Vanilla organizations courtesy and professionalism have been poor, and integrity seems to be lacking. I look forward to a more satisfactory response. 
XX/XX/XXXX, I submitted another email with the above information on it and still received no response :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
They kept sending emails and I called the number. They asked for date of birth. I told them that I closed that account many years ago. It was with XXXX XXXX. They are claiming they are debt collector through XXXX I gave them the account number listed and they kept asking for date of birth to move forward. Then when I gave it to them they did not respond. 
Before calling the number, I checked online to verify if the company is a collection agency and it said it was. That is why I spoke with them to tell them that their information is wrong. 

I have attached below what was included in the email and need to report them as scammers. 


Important This is a communication from a debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

Click UNSUBSCRIBE below to unsubscribe from collections emails from Radius on your account ( s ) noted above. 


Thank you, Radius Global Solutions LLC Phone : ( XXXX ) XXXX Office Hours : XXXX - XXXX Mon-Thu ( XXXX ) Office Hours : XXXX - XXXX Fri ( XXXX ) Office Hours : XXXX - XXXX Sat ( 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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo blocked a transfer I made on XX/XX/17 for XXXX without informing me. My trust account was removed. I was told to add I again, what difference will I make. I need to prevent these things from happening

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 2023-02-22 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: MO

Complaint narrative:
I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2023-02-22 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: MO

Complaint narrative:
I've been disputing the same information that has been deemed fraudulent on my behalf. The Consumer Reporting Agencies are not doing their jobs thoroughly. I've sent in FTC reports. I have not received any investigation consumer report from the CRA 's under 15 USC 1681a ( e ). Like why even exist if they're too lazy to follow the FCRA guidelines? But, instead of doing their investigation they're only just matching information which is not an investigation.

15 U.S. Code 1681c2 Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2023-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
XXXX of XXXX I supposedly took out a loan for {$1300.00} it is not my account and I tried to reach out the original debt owner and they are permanently closed. The debt hit my credit report in XX/XX/XXXX and I am just hearing about this from checking my credit report. I wanted it deleted and they are not getting me the information I need to file a police report. I file a dispute on the XXXX of XX/XX/XXXX and it came back XXXX of XXXX saying it's mine and they won't delete it. Prior to this placed on my credit report there was no communication about it sent via mail, phone, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company was asked for a debt validation and there response was simply to mail me a copy of the billing statement from XXXX. which they are not XXXX, they can not prove I entered into a legally binding contract with them for this debt. Billing statement from XXXX do not constitute a legally hand written sign contract by me. also they call my personal cell phone daily, despite my phone number being registered with the national do not call registry. I also filed a complaint on that site as well. they have emailed my email which is also on the do not call registry. They have listed this account as a debt on all three of my credit reports and say I must pay this debt that is not theirs. they claim that XX/XX/XXXX of 2022 the account was transferred to them. however I never gave them permission to attain or access all of my personal information.

Company response to consumer: Closed with non-monetary relief