vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is very frustrating, there's a lot of errors being reported on my credit. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am attempting to remove a freeze from my credit file. I tried by phone, email, and online. I have had no success and have been attempting to remove the freeze for almost an entire week 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After the recent data breach where my SS # was released I froze my credit reports. XXXX and XXXX were both quick and simple. TransUnion however has me behind a paywall. I assumed this was some sort of error that would be fixed in short order. Fast forward to today ( XX/XX/year> ) I am still behind a paywall. I opened a chat with a TU representative ( AI I think ) and was told to either pay or create a new account. I was very surprised that they insisted on the paywall and that the way around it was to create a new account. That raised some questions that the ( AI? ) refused to answer. Will the accounts merge, or lose data when they do? This is no streaming service, I don't want XXXX accounts. The standard response of the ( AI? ) was " we are sorry for the inconvenience ''. I tried over the phone, no live representatives. The automated system was slowly working its way through, then I was disconnected. Same results on the second phone attempt. Would I be disconnected if I paid? 
For the record my TransUnion account is still unfrozen and accessible to anyone who runs my credit weeks after I began the attempt to freeze it because I wont pay them. I have to wonder, how many people did they get to just give up and pay them. There must have been a stampede of people trying to freeze files after the data breach. They probably made XXXX. Which will be ongoing as they led people to believe they needed to pay to have control over their reports. 
To cut through the babble above. I would like TransUnion to allow me a single account that has access to freeze or unfreeze my credit report when I see fit as required by law.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is very frustrating, there's a lot of errors being reported on my credit. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.

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 2024-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
They found no reason to refund my money back because they said that it's not possible to duplicate the chip on my card and that's what was used in the withdrawals made

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Coast to coast financial acct # Unknown amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Ky XXXX Last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I implore you to take swift action to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: AL

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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
It is XXXX  XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received an email XX/XX/XXXX stating that all of my account contact information had been changed, including my email address to login. This account contains my checking, savings, brokerage account and home loan. I immediately began trying to recover my account and was able to do so using my SSN and the 2 factor authentication I had set up. I changed all of my information back and verified I had XXXX enabled. 

I went to a local Wells Fargo branch to find out how and why my account was being accessed and my information being changed. I was informed that someone had been given Power of Attorney over my account. This person did not have to provide any proof or identification. The Wells Fargo employee told me they couldn't give me any information because it happened at another branch and all I could do was sit there for an hour and fill out forms to rectify the situation. Someone was able to walk into Wells Fargo with a form and walk out with control of my accounts totalling almost {$200000.00}.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, 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 report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ). 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank keeps saying they can not close my card because my security question 's answer is not correct. The security question is my mother 's maiden name, so the answer must be correct. The customer representative asked me to go to a branch to close it, which is XXXX XXXX  miles away. My checking account number is XXXX, there is XXXX balance on it. The reason I want to close the account is they charged me XXXX dollar monthly fee even I fulfill their requirement to waive the monthly fee.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have requested multiple times the proof the accounts appearing in my report without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
In XXXX, I received a notification that my escrow account was likely going to be short since my county taxes had increased. I did not receive an amount needed to be changed and I have my bank cut a check on the XXXX of every month to Mr Cooper. 

On XX/XX/XXXX, my payment went out and was received by Mr Cooper but placed in a " service account '' and not applied to my mortgage. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent. My payment was again placed in a " service account '' and no contact was received from Mr Cooper. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent and received by Mr Cooper and again placed in a " service account ''. 

In early XXXX, I received notification from Mr Cooper that none of my payments were received and that I was going to be in default and foreclosed on if I did not contact them within 30 days. 

On XX/XX/XXXX, I called Mr Cooper to figure out what happened to my payments. Mr Cooper 's representative said, " Oh I see what the problem is, your account was short by XXXX $ and you need to make that payment immediately. I will apply your previous payments to the outstanding missed payments ''. On XX/XX/XXXX, my XXXX $ was deposited. 

On XX/XX/XXXX, I received a call from Mr Cooper telling me that my home was going to be foreclosed on and that I'd missed XXXX payment, and would I like to pay them over the phone for the missing mortgage payments and late fees. I declined ( I wasn't at a place I could make a payment, and previous had discussed this with Mr Cooper on XX/XX/XXXX, including the immediate payment ). 

On XX/XX/XXXX, I received from Mr Cooper notification that my deposits to them had been placed in a service account until they could determine what they were supposed to do with it, and that I was short XXXX XXXX I cut a check for XXXX to Mr Cooper and it was deposited on XX/XX/year>. 

On XX/XX/XXXX, I received a letter from Mr Cooper saying that if I did not contact them within 30 days, they would begin foreclosure proceedings. I also received from Mr Cooper my mortgage statement from XXXX. 

On XX/XX/XXXX, I called Mr Cooper again, asking why I was being foreclosed on. Mr Cooper 's representative told me that the account was up to date and that it was an automated process, and that I could disregard it. 

On XX/XX/XXXX, I received a mortgage statement from Mr Cooper for XXXX. This one shows I owe XXXX $ in 'fees and charges '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I needed to transfer a balance from a different bank 's card, so I applied for 21 month/ 5 % balance transfer offer with Wells Fargo XXXX I did not want a hard request on my sparkling credit history, but the offer was too good to pass. Boy, if only I believed all those negative reviews online! I was approved for {$12000.00} credit line ( online ), and two options were offered : " Set up your account '' and " Transfer balance ''. I've decided to set up my account first and request a balance transfer from there ( as I did many times before with different cards ). Big mistake. When I tried to use the offer, I got a message " Sorry, this service is not available now, please request a balance transfer by calling ... ( customer service number ) ''. I really don't like calling any customer service, because between my accent and their accents it is usually not a very good idea. But I called. And was told, that I have to wait until I get a physical card in the mail! That did not make any sense for me, since I need my balance transferred now, and this was the whole reason for applying on the first place, so I asked to cancel this card. Again- no! I can not do it, I have to wait several days. Anyway, I already transferred my balance to another card, and I don't ever want to see Wells Fargo card in my wallet.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 non-monetary relief