vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: FL

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Wayfair is aware of the problem, because they are the problem. I changed my number late XXXX..they claim they couldn't access they account to take or make a payment until new number was verified. They claim i had to wait to receive a reference number in the mail which to this day a year later has never been received, so for XXXX months I was not able to make a payment & Wayfair notated my account regarding the issue, Citibank verified this was notated but they lied & reported me to the credit beraue as being deliquent for those XXXX months hitting me with late fees but notating the credit for the late fees once account was able to be accessed. My XXXX XXXX was XXXX by XXXX and now has been greatly damaged mainly by Wayfairs lies about me being deliquent when I & them were locked out of account. It took for a supervisor at Citibank to take my payment finally on XX/XX/XXXX to pay off what was owed before being locked out with the late fees. I have been asking them to fix this problem with reporting the account closed, when it was paid off since XX/XX/XXXX & they owe me a credit since I paid off the account which I have not also received since I paid off the account. They now claim I have to wait to recieve a letter in the mail just for them to justify the damage they did with their lies which was suppose to have been sent out back in XXXX of XXXX & that also has not been received in the mail. This company acts like they can't send me these requests through an email like they do everything else, including their sales & promotions. They also rudely over the phone said they were not opening up another account for me even thought the mistake & lies & damage was all done on their end/ part. 
I WANT THEM TO FIX MY CREDIT REPORT! THEY CLOSED THE ACCOUNT IMPROPERLY. IT WAS PAID OFF PLAIN & SIMPLE SO THAT IT CAN BE CLOSED. STATING THAT IT WAS CLOSED LOOKS LIKE IT WAS CHARGED OFF TO THE CREDIT BEREAU

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 2024-09-03 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XXXX of 2024, I was behind in my loan agreement and called to set up some payment arrangements. After talking with a supervisor, she set me up with an arrangement which consisted of a payment of {$340.00} for XXXX  months. I was in agreement and I had to pay {$25.00} to get this started, though it seemed odd because I had just paid them {$300.00} a few hours before. I have been continually making these payments for the last XXXX months and when I logged into my account I noticed that my payment arrangement was no longer showing on the account. I also noticed that they continue to charge me a {$13.00} late fee. I called them and wanted to know what was going on with my account and was told that I would have to do another arrangement and that even though I had just made a {$350.00} payment I would need to pay another XXXX to set this up.I asked to speak with a supervisor and was given the run around that they weren't available and they would call me back in XXXX to XXXX hours. This has happened before and the supervisor never returns the call and I have to call them back. With what they are doing my vehicle will not be paid off in the XXXX  months I was originally told it would be because though my monthly payment brings the balance down it goes up at the same time with the late fees they continue to charge. And I shouldn't have to pay an additional {$25.00} to make arrangements that were set back in XXXX because they say their arrangements are only for XXXX ( XXXX ) months though I wasn't told that in the beginning. I live on a fixed income of XXXX and I agreed to {$340.00} for XXXX  months not lets renew this every XXXX  months at an extra {$25.00} I don't have. That and they shouldn't continue to charge late fees that will put me past the XXXX  months to XXXX or XXXX at an additional cost of almost {$600.00}.

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 monetary relief
Consumer complaint received 2024-09-03 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: WI

Complaint narrative:
Sent several letters to verify debt in XX/XX/year> & XX/XX/year> to confirm debt owed to company sending invoices to collect XXXX. Company repeatedly sent letters from the company they purchased my information from. I do not have a contract with Portfolio Recovery Associates , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-09-03 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: TX

Complaint narrative:
On XXXX submitted a direct dispute via certified mail to XXXX TRANSUION XXXX XXXX demanding they remove all inquiries and all fraudulent information from my credit report however XXXX XXXX & Transuion did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX XXXX XXXX TRANSUION HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my address and have been for over XXXX years

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-03 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: OH

Complaint narrative:
Please see the attached letter; please note that I am submitting the complaint against ALL three bureaus : XXXX, XXXX and Transunion. 

There are several documents ( verifications ) that will be submitted too. 

If I have to submit for each bureau ; please refer to this original-first submission for ALL the documents/ Thank you in advance, 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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub>, 2024, my XXXX was stolen while visiting XXXX. and my Wells-Fargo banking app was compromised. I saw unauthorized charges within hours, and I immediately contacted Wells Fargo to report Fraud on my accounts. Several Faud Claims were filed against all unauthorized transitions, and I was given claim numbers. Local authorities in XXXX, XXXX were notified ( Police report # XXXX ). My checking account is linked to Wells Fargo Credit Card. The bank processed XXXX unusual transitions that resulted in an overdraft. My checking account was credited with {$10000.00} which was used for all unauthorized purchases coming from my checking Debit Card. A wire transfer was then authorized for {$10000.00} to an unknown party/bank. Wells Fargo allowed these XXXX unusual transactions to be made without requesting additional confirmation, or tracing IP addresses, or considering previous account history. 


I received a letter dated XX/XX/XXXX from the Wells Fargo Fraud Department saying they would not reverse any overdraft charges and that. I received XXXX letters from XX/XX/XXXX saying that I authorized the charges that no error occurred and that the claims were closed. I went to my local WF branch and the branch XXXX, XXXX XXXX called Wells Fargo Fraud Department from his office phone while I was in his office to explain to them in detail the series of events. He said the fraud department asked for me to bring a letter explaining to Wells Fargo the details of the event. XXXX days later, I returned to the branch and brought the letter and a copy of the police report to be faxed to Wells Fargo Fraud Department. XXXX XXXX faxed it himself. Almost immediately, on XX/XX/XXXX I received new letters from Wells Fargo denying my claims. Ive been back to the bank, they will not explain the process for fraud claims, nor give me an email for the department, only deny. 

My account history shows that I do not make wire transfers, do not use my debit card for routine purchases outside of the US, and certainly not XXXX transactions in XXXX day. In addition, I do not have a history of overdraft and continue to make purchases. These were all very suspicious transactions that should have been flagged and required additional verification from me, but none of that protection was initiated or offered by Wells Fargo.

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to XXXX XXXX XXXX XXXX, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing XXXX  identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

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 2024-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the morning of XXXX  I was informed through my banking app, that a new credit inquiry had been done with Capital One. 

I have not/nor have I every opened an account / credit card with Capital One. 

This to me seemed as textbook fraudulent activity with my information. 

The Date of Inquiry said XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX Phone : XXXX XXXX XXXX XXXXXXXX Inquiry Type : Individual I tried to speak with some of the representatives with Capital One to get some assistance and report this fraudulent activity, but was pulled back and forth like seven different times through various departments and people, at one point I was even told that whatever card was procured, had already been mailed out and the application completed. 

I requested a copy of all their documents so that I could submit, but was not provided with said copies. 

I am very upset with what happened, this inquiry affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX Collections. 

In XXXX and XXXX, I was a tenant at XXXX XXXX XXXX XXXX XXXX During my tenancy, I experienced significant issues, including a missing lease, moldy conditions, and lack of maintenance. Due to these problems, I filed a counter-suit against the apartment complex after receiving an eviction notice. 

Throughout my tenancy, I had extensive communication with the corporate offices of XXXX XXXX XXXX XXXX XXXX documenting my concerns and seeking resolution. Ultimately, the case was settled out of court. 

Despite the settlement, XXXX XXXX has continued to pursue me for payment, claiming that I still owe a balance. This is a violation of the settlement agreement and XXXX also violate the Fair Debt Collection Practices Act. 

XXXX XXXX never contacted me directly before I received the email about the {$0.00} balance. I learned about the debt only after receiving this email and calling the company. This is a violation of 15 U.S.C. 1692e, which requires debt XXXX to provide consumers with a validation notice within five days of their initial communication. 

I am requesting that the CFPB investigate these matters and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including requiring them to cease all collection activity related to the disputed debt and provide a letter to the credit bureaus to correct any errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the Transunion credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with roadrunner financial in XXXX XXXX XXXX This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and 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 2024-09-03 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 CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with XXXX XXXX in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.

Company response to consumer: Closed with explanation