vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX account was paid in full but it's still showing a {$100000.00} balance. When I open my XXXX account it also shows {$0.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: AL

Complaint narrative:
I hired XXXX XXXX in XXXX, and there was a collect from National Recovery Agency for a medical debt from XXXX for XXXX. I was able to get it deleted in XX/XX/XXXX. I was never notified from the credit bureaus within 5 days, or the collection agency that the exact same collection agency put it back on my XXXX credit report yesterday on XX/XX/XXXX. With a date opened XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.

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 2023-08-24 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: T.S. Holdings
State: GA

Complaint narrative:
I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am a victim of Id Theft, I am a XXXX XXXX and these types of things could affect my employment because they do credit checks on us. I started receiving calls from Comenity Bank Victoria Secret about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to XXXX XXXX. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WESTERN ALLIANCE BANCORPORATION
State: NC

Complaint narrative:
My mortgage was in the process of closing out my COVID forbearance and setting up a repayment plan when it was purchased by western alliance. 
I contacted them after I received my letter of servicing transfer and asked them about the status since my repayment plan hadn't been finalized in my previous servicer. They said they were still going through paperwork and had no idea the status but would get to it eventually and send me any paperwork that was required to get my repayment plan set up. 
I never received anything until I got a notice that my home was entering a foreclosure process because of all of my past due payments. 
I called and told them what happened and was told repeatedly that their computer wouldn't allow me to enter the Covid repayment deferral program to move payments to the end of the loan and the only way to become current was to submit a loan modification request and even then that wouldn't be guaranteed. 
I don't believe this servicer is familiar with the cares act or the requirements in that legislation. I should not have to have a loan modification to receive the protections that were set out in the cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Please see attached and below - I am unable to log into my account online.

I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Experian account online at www.experian.com 2 ) I want my Experian account to be a free account.

As of right now - I am not able to login online.

Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX 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 explanation
Consumer complaint received 2023-08-24 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 

1

5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : ALLY FINANCIAL - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-24 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: IN

Complaint narrative:
I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UPGRADE, INC.
State: NV

Complaint narrative:
The company UPGRADE is claiming I owe XXXX on a XXXX line of credit that I never had access to. My information was fraudulently taken over after I applied and changed to an address and email I never consented nor submitted. That card was being used with out my permission hence that I never received it because the card had been high jacked and redirected to foreign addresses and emails. My information was stolen. I noticed many charges were taken out of my account on the dates listed below XXXX - {$.00} XXXX - {$890.00} XXXX - {$100.00} XXXX - {$910.00} XXXX - {$96.00} XXXX - {$95.00} I called UPGRADE and my bank to file a fraudulent claim to rectify the problem. My bank refunded me all of the money after they performed their own investigation and determined it was fraud. I filed many complaints with UPGRADE who refused to remove 30 day lates off of my credit even after I had reported it fraud. They declined the fraudulent verdict and demanded I pay XXXX that I do not owe in order to remove the 30 day late off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them 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 explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received a fraudulent text message from an fraudulent phone number impersonating XXXX. I clicked the link and provided my Ally Credit Card information for a redelivery fee. I then realized it was a XXXX SMISHING scam. 

I called Ally Credit Card to report that my credit card information had been compromised and waited on hold for 25 minutes to talk to a customer service representative / fraud department. Suddenly the hold music ended but the phone call was still active. I said " hello '' " hello '' etc. and no one was on the line. 

I sent a follow up email to ALLY Credit Card indicating it's ridiculous that I can not reach someone to report that my credit card was compromised. I still need to have this card replaced but am unable to connect with the fraud department to report it

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 2023-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/XXXX, an unknown party attempted to deposit a fraudulent check into my companies business checking account with Wells Fargo Bank. The unauthorized transaction was {$78000.00}. Upon being contacted by Wells Fargo Fraud Department, I made two trips to the bank and spoke with XXXX, Alaska branch manager XXXX XXXX. 

We provided documented proof by emails, that neither myself nor any authorized representative was asked to deposit this check. 

Wells Fargo did not attempt to research this issue, they also refused to disclose who deposited the check, and where it was done. 

Instead of research the issue, Wells Fargo closed our business account for " business reasons '' causing financial damage to our company. 

I also filed a fraud report with the FTC, FTC report number 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I previously filed a complaint about a credit card showing up on my credit report. 
XXXX XXXX says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from XXXX XXXX indicating that I am an Authorized User. 

If XXXX XXXX states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
I previously filed a complaint about a credit card showing up on my credit report. 
XXXX XXXX says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from XXXX XXXX indicating that I am an Authorized User. 

If XXXX XXXX states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?

Company response to consumer: Closed with explanation