vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 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: GA

Complaint narrative:
I filed a dispute with Equifax and XXXX on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. Equifax and XXXX marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were Architects they misrepresented themselves to be architects and charged me the same fee as real architects. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an Architects I thought I was hiring real Architects He completes a draft and then told me I needed to pay the other half {$4600.00} on XXXX I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I wii upload an example of what I was expecting and what I received and what I should have 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 2023-07-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are inquiries on my credit that arent mine at all

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 2023-07-27 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Call from Wells Fargo in XXXX, XXXX by XXXX XXXX saying I may have check whose signature doesn't look right. Since I wasn't sure the call was spam, I called my branch in XXXX to ask if there was a problem with any of my checks. The bank manager said that none of them were flagged. A few days later XXXX XXXX called back on XX/XX/XXXX and then XXXX XXXX took the call to talk directly to her. She then described that a XXXX of my check 's did not match my signature. She told me to immediately get to my nearest branch to file fraud papers. I got to my branch within 20 minutes of the call, filed the papers, and received a copy. A week later we found out the check had cleared our account XXXX XXXX. 
We now were regularly in communication with the Fraud Department of Wells Fargo. We assumed that this fraud dept. contacted previously the police and/or FBI ( which we much later found they did not ). After numerous calls to the Fraud department to determine what they were doing about our case, we were getting very little response. Finally, after complaining to the executive office also, we were told that the fraud department was sending a letter to the bank where the check was cashed. The fraud department would not tell us who that bank was. But we found out on our own that it was XXXX XXXX in XXXX near the other Wells Fargo. We also asked for a copy of the letter sent to XXXX XXXX and, to this day, have not received a copy. 
We have constantly called Wells Fargo, both the Fraud and executive departments, asking for information and follow-up. Not only have we not gotten any information, but we keep on get a new case number, as if we're starting all over again. This is so nobody has to deal with XXXX regularly. 
Since we were getting nowhere, we decided for our own protection, we should try to at least file a police report. We did that in XXXX, XXXX. 
We were able to speak to XXXX XXXX at Wells Fargo again. She told us that she was surprised that the check was cashed because she got a call from XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX asking if the check was OK and that she had told her it wasn't. 
We have been willing to wait out the time for all investigations to happen. The main reason for this complaint is that Wells Fargo just sent us an email on XXXX XXXX at XXXX, after over 2 months ending their responsibility to this fraud. When we called for more information, we were told he didn't have the time because he was too busy. 
If more detail is needed, we can forward much more information, including names of people handling " so-called '' files each time and dates. 
As a point of reference, we'd like to mention that this check was intercepted from the 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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesn't make sense at all. The last active states and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non-compliance. Please remove these accounts referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Title 15, United States Code, Section 1681, paragraph ( 2 ) ( a ) ( i ) pertains to the Fair Credit Reporting Act ( FCRA ), a federal law that regulates how consumer credit information is collected, used, and shared. This section of the FCRA specifically addresses the definitions used in the Act.

Section 1681 ( 2 ) ( a ) ( i ) defines the term " consumer report '' as follows : " ( 2 ) Consumer report ( a ) In general. The term 'consumer report ' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( i ) credit or insurance to be used primarily for personal, family, or household purposes. '' In simpler terms, a " consumer report '' is any communication by a consumer reporting agency that contains information about an individual 's creditworthiness, credit standing, reputation, and other relevant aspects of their financial behavior, which is intended to be used for evaluating their eligibility for credit or insurance, primarily for personal, family, or household purposes. 






Regenerate response Send a message

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to bring 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 fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: IL

Complaint narrative:
i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( 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 2023-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
XXXX XXXX  XXXX we chose to go in to forbearance, with the understanding that it would be for 6 months. At the XXXX month mark I started the process of getting back on track with the mortage. I did not receive a loan modification until XXXX XXXX  XXXX. The mortage company took that amount of time to get it together. Now I'm XXXX  XXXX dollars behind and the interest rate has tripled in the length of time it took them. Consequently the mortage payment is now XXXX more than the original payment.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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:
I filed a dispute with XXXX and Transunion on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. XXXX and Transunion marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TN

Complaint narrative:
XXXX. I called XXXX several times requesting that I receive a letter indicating that once the balance was paid in full, that they would remove the account from collections within XXXX business days. 
-I was placed on hold several times. 
-Representatives hung up or refused to allow me to speak with a supervisor -after several attempts, I was told that a supervisor would call me back. 
-A supervisor finally called but still refused to provide a letter indicating that the account would be removed from collections within 30 days once paid XXXX gave me the following phone # to call for collections agency XXXX XXXX. I called the collections agency ( Virtuoso Sourcing Group ) at XXXX and I requested that they email me a Statement indicating the details of the debt, name of collector, and amount of debt in writing. They refused to provide it several times. Then finally I was sent to a supervisor who asked for my email address and stated that she would send me the statement via email but SHE NEVER EMAILED IT. 
-I also asked again ( after several requests ) if they could provide a letter stating that once the balance was paid in full, that they would remove the account from collections within 30 business days. I mentioned that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. The collections agency refused to send this letter via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
In XX/XX/2020 we sold our home, disconnected our XXXX XXXX and paid the final bill. We mailed the equipment back to XXXX the first week in XXXX of 2020. We have had repeated attempts from collection companies to collect this debt and each time we have asked for written documentation of the debt and have not received anything from any of the companies. When I asked for the documentation, I was told that they would just report it to the credit bureau. It has now been reported to the credit bureaus and it has impacted my credit score, all over {$140.00} that was paid in 2020 and the equipment returned!

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to Banana Republic to close my account permanently. Banana Republic 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with Banana Republic, Barclays and XXXX XXXX have said they have no record of the check. Not making any effort to help outside of opening a dispute ticket. My bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.

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 2023-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-26 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: CA

Complaint narrative:
This is my complaint for EXPERIAN. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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