vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account is NOT mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( TransUnion ) Accounts Name : XXXX XXXX XXXX XXXX Account Number 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 2024-08-18 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: GA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Equifax ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have asked the company on several occasions to provide me with documentation of ownership for XXXX XXXX XXXX debt. I have no knowledge of this debt or have I ever signed any contract or agreement with this company. 

I have not received any information in regards to the several inquires I have submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked the company on several occasions to provide me with documentation of ownership for XXXX XXXX XXXX debt. I have no knowledge of this debt or have I ever signed any contract or agreement with this company. 

I have not received any information in regards to the several inquires I have submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts identified in my report below are in violation and are not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the assignment contract to show full ownership of account. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received a written communication from Professional Debt Mediation , Inc. regarding a payment of {$620.00} owed to XXXX XXXX, an apartment complex in XXXX XXXX, Florida. I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the City XXXX XXXX XXXX Police Dept XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDB describing the delinquent account at XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX XXXX  Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
W. F employees opened both personal and business accounts in my name without authorized consent for the purpose of achieving there internal Wells Fargo Bonuses. Thereby, destroying both my personal and business credit status.This resulted in the lowering of my XXXX XXXX credit rating to a standard that know longer allowed me to get credit for my business and resulting in the failure of my three 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 2024-08-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested them to validate the debt and send me copies of the original purchase agreement. I wanted to see they legally owned the debt by the original creditor. I requested all statements open through closed of my account. I also wanted to see proof they are legally able to collect a debt in my state, also, a copy of their bond to show they are legally registered. I want to know what all information they received from the hospital. I signed a HIPPA form and I never gave permission for my personal information to be released. Also, I was never notified by the creditor that this was going to collections, I was still dealing with the insurance company. " My XXXX even put it in his paperwork that this was a XXXX XXXX as well. After the XXXX in late XXXX, the XXXX told us that he took XXXX of the XXXX to rule out XXXX, he also took XXXX XXXX out that were near the XXXX due to his concerns of XXXX and the look of them. My mother passed away of XXXX XXXX back in XX/XX/XXXX. When I received the bills for the XXXX, I called XXXX XXXX and XXXX XXXX XXXX numerous times in regard to the charges. Both medical facilities told me they do not have a XXXX XXXX  for my XXXX and the bills are correct even when my insurance company is telling me that there is a code that they could utilize for my XXXX XXXXXXXX XXXX. My medical bill from XXXX XXXX  was sent to a collection agency without my consent then without notifying me, XXXXXXXX XXXX  has been hitting my credit once a month since XXXX. My credit score went from XXXX to XXXX in less than 2 months without notification on my XXXXXXXX XXXX. My medical bills are lowering my credit scores. I have never signed a HIPPA release form with the alleged creditors : XXXX or XXXX XXXX XXXX XXXX. HIPPA laws protect my personal medical information from being used without my consent. Therefore, these are inaccurate HIPPA violations, and I want these immediately deleted from my credit bureau accounts. I was also mistreated by the debt collection agency, one representative yelled and cussed at me when I called. Thank you for your help. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I opened this account early or mid XXXX or XXXX. Upon opening the card, I was told that NY & Co has a protection that pays the card off in the event of hardship and job loss. Working in the mortgage and finance industry at the time, I knew that was something I could benefit from since I was laid off 3 times prior to opening this card. I opened the card, and had absolutely no issues paying until I lost my job. I had the first incident in XX/XX/XXXX, during COVID, I lost my job due to company downsizing. I submitted all of the required paperwork and I was told that it would take up to 30 days to have the account closed out. I was still being billed, and I had no idea until I received a late delinquency on my credit report. I called and was told that everything was closed out so I did not think anything else about it. XX/XX/XXXX, I received a random bill from NY & co, and I was thinking that it was a final bill from the account being closed. So I paid {$60.00}. 
Fast forward to current, I am in the process of buying a homes, and this card has been negatively reporting for over 5 years. I had NO IDEA! XX/XX/XXXX, I contacted NY & Co, and they Blamed XXXX XXXXXXXX for account not being closed out.I called XXXX XXXX, and was advised that ComenityBank should have paid off the account years ago. I have opened up so many complaints, escalations, and disputes. The last dispute has been opened almost 5 months, and no update nor resolution. I spoke to XXXX XXXXXXXX Friday XX/XX/XXXX, and was told that my account would be paid prior to XX/XX/XXXX, However, my credit is already shot due to this issue and they disregarded the XX/XX/XXXX job loss benefit. I would like this investigated, and the negative marks reversed from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have been trying to dispute several issues on my credit reports like reporting accounts that are negative that are older then XXXX XXXX XXXX that have negative items on it from a bankruptcy from XXXX I also saw that just recently my transunion credit report dropped over almost XXXX points in between XXXX and XXXX as I get my free score through some of my card holders and I have not had any negative items no collections no judgements no nothing but ever since I started asking Transunion to look under my credit report as XXXX XXXX  had reported false information on me well even though it doesnt show on transunion however on transunion my credit score just dropped over almost XXXX points in between XXXX and XXXX and I have no idea why or how this is possible I want it corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, the complaint filed on XX/XX/year> via CFPB with Experian took longer than 30 days to be resolved. I am requesting to have the bankruptcy deleted from my credit report as the company, Experian failed to provide the method of Verification. I contacted both the US Bankruptcy court and XXXX XXXX both claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA MUST REMOVE OR CORRECT INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS under 15 USC Sec 16811i ( a ) I have enclosed their letter for your inspection. Please DELETE this item from my credit report as it is NOT verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I am a XXXX in my XXXX from XXXX, Montana, and am adjusting to managing my finances after my husband passed away. I have been a Wells Fargo customer for 48 years and currently I have a checking account, savings account, and credit card. The credit card is a Wells Fargo Active Cash which has XXXX liability advertised. 

On XX/XX/year>, I was the victim of fraud. The scammers hacked my computer and email account, locking me out of any notifications and two-factor authentication. They made several purchases on multiple sites. 

Several of the websites blocked the charges, ex. XXXX, immediately detected fraudulent efforts and froze my account. Several large, and obviously suspicious charges went through my Wells Fargo accounts. Wells Fargo refunded most of these charges and one of the vendors ( XXXX  ) refunded the charges. However, XXXX, a XXXXXXXX XXXX XXXX, did not refund the charges and Wells Fargo refused to refund them. I have never heard of XXXX or even understand what the website does. The charges that got processed were 2 charges each for {$4400.00} from XXXX and 2 charges each for {$2900.00} from XXXX. The XXXX  charges were refunded. 

I have made at least 4 formal attempts to work with Wells Fargo to remove the fraudulent charges with no success. I have included a detailed timeline in the attachments. 

I believe that Wells Fargo is intentionally making this very difficult, including hanging up on calls, providing wrong charge amounts in discussions, an excessive number of transfers during calls, providing incomplete responses, and dragging out the effort. They have started charging me interest on the fraudulent amount. I pay off all my real charges each month and no longer actively use the card. 

I have been trying to find an attorney to represent me, but many of the local attorneys in XXXX have worked with Wells Fargo and therefore have a conflict of interest and can not represent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX victim of a robbery that happened in New York on XX/XX/year> around XXXX XXXX  The robbery involved a XXXX transaction linked to my Capital One debit account. Two men robbed me of my phone and made a XXXX transaction of {$860.00}. I reported it to the New York police and they categorized my case as a robbery and XXXX XXXX They created a police report which I provided to my bank. They told me that my claim was submitted but they failed to show empathy whenever I called them and gave me different information. They kept telling me that they will try to expedite the process of my investigation since it was a very traumatic event for me and I lost all of my money in my bank account. However, another person I called said there is no way they could expedite the process and that there is a deadline of 10 days. I was very confused since it was new information and he was very demeaning and proceeded to tell me that Im in XXXX  so I should know about deadlines. He said that they have a deadline of 10 days and after that they will update me. I was very upset and after every call I was left crying in distress. I felt that the workers are showing no empathy towards my situation. This is a robbery not a fraud and I believe I should be getting my money back. Moreover, the workers showed no knowledge about my case despite their claim that they wrote notes and that they will take a look at my notes. This left me wondering if they even wrote proper notes because one person I called clearly showed a poor understanding of my situation despite the plentiful information I have provided them. The worker thought I am a victim of a fraud and stated that I made the transaction. It is disheartening having to correct and retell my story multiple times to different agents. Another worker also told me that there are many other cases that they have to take care of first. When I asked what those cases are, she told me that people didnt receive their package etc. This left me feeling helpless as that statement showed that the company cares more about packages/fraud as opposed to robbery which is a higher offense. I am not receiving proper help from Capital One Bank. They are showing no empathy towards my situation and are not getting their work done professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Block, Inc.
State: OK

Complaint narrative:
MY CASH APP CARD GOT STOLEN ALONG WITH MY WALLET LICENSE AND CREDIT AND DEBIT CARDS THERE WAS TWO UNAUTHORIZED CHARGES ONE AT XXXX XXXX FOR XXXX ALONG WITH ANOTHER ONE AT A DIFFERENT LOCATION FOR XXXX APPARENTLY THE ONE AT XXXX XXXX THEY SAID A PIN WAS USED BUT THE OTHER PURCHASE DID HAVE A PIN USED THEY TOLD ME TO CONTACT THE MERCHANTS I DID FOLLOWING ME FILLING THE DISPUTES XXXX XXXX BASICALLY TOLD ME TO BAD TO SAD CONTACT CASH APP I EXPLAINED I HAD JUST GOTTEN OFF THE PHONE WITH CASH APP FAST FORWARD TO YESTERDAY THEY DENIED MY DISPUT AND SAID IT WAS ME MAKING THE PURCHASE OR SOMEONE I MUST KNOW ARE YOU KIDDING ME THIS COMPANY IS RIDICULOUS I FILED A POLICE REPORT I WANT AN APOLOGY AND MY MONEY RETURNED AND COMPENSATED FOR THEM MAKING ME FEEL LIKE I AM A CRIMINAL THEY HAVE NO COMPASSION FOR ANYTHING BUT THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've attached the FTC Identity Theft report referencing the XXXXXXXX XXXX XXXX fraudulent FHA real estate loan that XXXXXXXX XXXX XXXX XXXX is threatening to foreclose. 

XXXX and Bank of America conspired to reinstate or create a new FHA loan using my personal information without my consent or knowledge. I have vehemently disputed this fraudulent loan and it was removed from my credit reports in XX/XX/2017.

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