vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts b

elow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: FL

Complaint narrative:
My Name is XXXX XXXX XXXX I am writing because I am a victim of Identity theft, and I need the inaccurate information to be deleted OFF my report as soon as possible. My reputation is being affected by this inconvenience please HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to inform you that my XXXX XXXX credit card was compromised as a result of identity theft. Upon reviewing my recent credit report, I noticed unauthorized transactions and activities associated with this account that I did not authorize or initiate. 

Specifically, the following incidents have occurred : Account Information : XXXX Unauthorized Transactions : unknown Account Charged off amount of {$3300.00} It appears that my personal information was obtained and used by an unauthorized party to access my XXXX XXXX credit card account. I have taken immediate steps to report this matter to XXXX XXXX XXXX XXXX, and they have acknowledged that these charges were indeed fraudulent. I have also filed an identity theft report and initiated a dispute process to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advanced Recovery Systems, Inc. (PA)
State: PA

Complaint narrative:
- Received a collection notice from Advanced Recovery Systems ( ARS ) on XX/XX/year>. 
- Contacted by phone on XX/XX/year>. Agent did not identify herself as a debt collector. 
- Received another letter from ARS on XX/XX/year>, stating proof of debt owed. A blank signature form was attached as evidence. 
- My brother was contacted by phone on XX/XX/year>. Again, the agent did not identify herself as a debt collector. 
- On XX/XX/year>, I sent a letter to ARS by certified mail requesting that they cease contact with myself and family members. 
- On XX/XX/year>, received a letter from ARS stating that they had not heard from me and that they will act accordingly.

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 2024-08-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has volated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX Account Experian XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-08-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NC

Complaint narrative:
I enrolled with National Debt Relief in XX/XX/XXXX. They took {$300.00} out of my bank account twice a month through XX/XX/XXXX for a total withdrawal amount of {$5100.00}. In XX/XX/XXXX they removed me from the program and said that I called to cancel which I did not. What I had done was sent several emails and messages through their site requesting an accounting of where my money went. On XX/XX/XXXX, after they lied about me calling them they sent a spreadsheet showing they had paid out a total of {$55.00} to creditors with no accounting of the rest of my money. I have since repeatedly sent email requesting a full accounting and a refund of ALL my money- all emails have been ignored. On XX/XX/XXXX they refunded {$1200.00} to my account, leaving {$3800.00} unaccounted for. According to their own policies they state We earn nothing for our work until weve achieved the results you want, and you feel great about the savings. Under this policy, they need to return the balance of {$3800.00} that they took from me without providing any results whatsoever. They continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 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: SC

Complaint narrative:
I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.

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 2024-08-10 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: SC

Complaint narrative:
I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: SC

Complaint narrative:
I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.

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 2024-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional Acceptance have file a profit and loss and did not send a 1099., I have called and requested XX/XX/year> and have not received

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 2024-08-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The dispute center has failed to resolve this issue by the indicated date. I provided proof that the charge should be removed and citi has failed to do so. 
XXXX {$280.00} The reps and even supervisor are incapable to resolve any type of issues. 
Ive been waiting for over 3 months When I called today and manager XXXX at the dispute center answers he hung up on me after XXXX hours of being on the phone on purpose. How does citi expects customer to fix issues like that when supervisors act that way? What type of company is this?

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 2024-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Friday XX/XX/year> - XXXX had got a Wells Fargo Premier Client offer ( {$250000.00} in new assets for {$2500.00} bonus ). I went to Wells Fargo Branch, ( XXXX XXXX XXXX XXXX met with a banker XXXX to open the account. 

My Wells Premier Promo is XXXX ( {$2500.00} for $ XXXX in new assets ) The banker told me that I can enroll myself in the {$520.00} savings promo as well at the same time, and that the savings balance would count towards the overall balance. So my goal is $ XXXX in savings and $ XXXX in investments. The savings promo is to maintain a balance of $ XXXX and get a {$520.00} bonus. The Banker ensured me I am totally eligible for both bonuses I requested a promo code for savings ( XXXX ) The banker subsequently opened the savings account ending in XXXX. He ensured me I would get both the premier checking promo {$2500.00} and savings promo bonus {$520.00} XX/XX/year> - I see {$2500.00} premier checking bonus, however I did not see the promo {$520.00} for savings XX/XX/year> - I called Wells Fargo XXXX and after sometime. They agreed to document the case. 

XX/XX/year> - I got an email from exec assistance from Wells Fargo they are looking into it. 

XX/XX/year> - I got an email they looked into it but the bonus is paid, However, they are referencing my checking ending in XXXX ( I never asked about checking, I was questioning my savings ending in XXXX ) Honestly I don't understand how the Agent is mistaking accounts, I feel this is a much bigger issue lol ... at least the agent is looking at my bank accounts, what is he/she is looking at other people account and respond to the email

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 2024-08-10 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: LA

Complaint narrative:
Recently I have noticed some fraudulent activity like accounts opened on my consumer report and I have not opened these accounts myself. These are fraudulent accounts and they are affecting my personal life.

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 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
I paid this debt through XXXX XXXX at a negotiated price of {$5000.00} a month for approximately XXXX months which wa paid of in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MT

Complaint narrative:
I opened an account with XXXX after being promised service at my address. The service was nonexistent, so I brought the phones to a corporate store in XXXX Montana as directed by XXXX customer service and returned them. They said I would not owe anything. ( Aka I was lied to about service and brought them back in the store in time ) The return was well within XXXX weeks, even though the XXXX site says up to 20 days. 

I received a bill anyway, and I responded by calling into XXXX customer service. I was told that it was taken care of and I didnt have to pay. Then I was sent to collections. I called in to that company and was told that I didnt have to worry based on the info provided and that it would go away. Now, radius global is trying to collect again. I submitted proof of my equipment return, and they did not accept it. 


The location in XXXX said they could do nothing but they accidentally didnt mark the phones as returned, hence the issue. 


Radius global has put a derogatory mark on my credit score now.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was notified that my credit score was recently reduced because of a hard inquiry from Capital One. I did not authorize this. 5 days later I receive a new credit card from Capital One that I did not request. I called them to cancel this card, and to report the cancelation to the credit reporting agencies. They told me they needed a lot more personal information from me to cancel the card, and that they have 90 days to investigate how they came to send me an unsolicited card. They said someone must have requested it, which is not possible, and the CC was sent to my home. They told me they could not cancel the card until after an investigation. I believe that since I just paid off all my student loans, and signed a large lease in my own name, which were reported to the credit reporting agencies, that Capital One sent me an unsolicited card, I want my credit report to be corrected, and want to cancel this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.

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 2024-08-10 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of 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 explanation