vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Self Financial Inc.
State: AL

Complaint narrative:
I, XXXX XXXX, recently checked my credit report and was disappointed that Self is reporting on a closed account and that all 3 credit bureaus are allowing this. This account has been closed since XX/XX/XXXX. I received my pay out from the company and acct has been closed. 

On my credit report this company closed my account in XX/XX/XXXX. However they have been reporting late payments since XX/XX/XXXX. The last reporting date on this account is XX/XX/XXXX and this is significantly damaging my credit report. 

When logging into the site I am not prompted that I owe anything just offering to do business with me again. This is holding me back from so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: WA

Complaint narrative:
I have a business checking and savings account, and regular accounts at Wells Fargo ; all of the accounts are connected. My checking account is XXXX years old and I opened the business accounts XXXX years ago. I was told that my accounts were protected and insured from fraud and scams because they are all connected. In XXXX, and XXXX of 2023, I was scammed out of thousands of dollars in transactions made from my debit card connected to my regular checking account. I contacted the bank to report a fraud charge I saw on the account and they shut down the card, sent a new debit card, and suggested I contact the money apps support used and the " XXXX XXXX XXXX XXXX '' and talk to security where the phone operator worked to report that he was incorrectly managing transactions and the money apps suggested this, too. 
The " XXXX XXXX XXXX '' person was also scammer and quickly funneled {$10000.00} out of my business savings account and into my other accounts, then stole the money by sending it into XXXX, XXXX, and XXXX. I called the Wells Fargo fraud line within XXXX hours to report the theft. Wells Fargo stopped payment and refunded two transactions that amounted to XXXX in my business checking account. The fraud transaction charges in the regular checking account were incorectly reported and the amounts were " consolidated '' into one amount of {$16000.00}. Then Wells Fargo stated that the charges were " Authorized '' but forced shut down on all of the accounts because of extreme " fraud '' activity. I spoke to an Escalation Fraud Representative who made a big fuss over locking the XXXX token which is ridiculous because they were forcing the accounts closed. I explained that the XXXX XXXX transfers weren't theft because the money had been sent into the account and then back out. It was the XXXX app transactions that were fraudulent. All of the XXXX transactions were added into the consolidation amount, but they weren't all fraud. Then another fraud representative who told me the accounts were closing suggested I call the fraudulent " XXXX XXXX XXXX XXXX '' AGAIN, and ask for the money back! This is what led to the {$10000.00} theft in the first place.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company closed my account because they saw fraudulent activity in my account. They said a check was deposited in my account with fraudulent funds. I explained this wasnt me and to do an investigation but they just closed my account and said I owe them money. This is fraudulent because this was not me and this is defamation of character because this is negatively affecting my credit report as Im trying to get a house.

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 2023-08-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX  XXXX, XXXX XXXX XXXX Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXX open account account type- auto loan balance {$37000.00} date opened XXXX XXXX XXXX XXXX  closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit 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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX  XXXX, XXXX XXXX XXXX Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXX  open account account type- auto loan balance {$37000.00} date opened XXXXXXXX XXXX XXXX XXXX  closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent a letter to TransUnion for validating a debt from XXXX XXXX XXXX. I sent out a letter on XX/XX/2023 and it is now XX/XX/2023. I have not received anything about my dispute. The credit bureaus have not responded and haven't held up their end of the deal. it has been past XXXX  days for the credit bureaus to respond.

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: DC

Complaint narrative:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Central Portfolio Control , Inc. My name is XXXX XXXX XXXX and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Central Portfolio Control , Inc authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: OH

Complaint narrative:
Someone has tried to apply for credit card and auto loan accounts using my social security number and personal information.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2023 I made two check mobile deposits to citi bank for {$410.00} and {$1600.00}. Two days later I was unable to login on the app. I contacted customer service and I was told that my account was blocked for fraud and they needed to verify my checks. I provided all information required and was told it can take up to 60 days. Then XX/XX/XXXX I received email my account will close. I contacted them again that day and they said the check was reported as fraud because they couldnt verify checks. Basically giving me run around so I then went to XXXX  XXXX XXXX that day. They verified check was legit and already cashed by citi bank and they didn't know why they were holding check. So I waited and then I went back to XXXX XXXXXXXX XXXX they checked XX/XX/XXXX that they saw citi bank reject the check but are still holding money. They recommend I got to branch so I did that day. Drove there the teller at citi bank called fraud dept and she said that they're decision was final. I must wait. It has been a whole month I need my money for bills

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: DC

Complaint narrative:
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Allied Collection Service. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Allied Collection Service authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
I am submitting correspondence to the Consumer Financial Protection Bureau regarding concerns about the level of transparency and lack of written correspondence from Trans Union who acted on my behalf to investigate the legitimacy of Synchrony Banks business practices which include charging excessive fees, high interest rates, and refusal to honor higher payments than the amount due by continuing to ask for payment each month from a consumer who is a XXXX XXXX  at the time the account was active and not in collections. The creditor must provide in writing how it did not discriminate against a XXXX XXXX  by offering an extension of credit at an interest rate that is considered higher than the national average. XXXX XXXX  must provide in writing why it assessed such high interest which is deemed discriminatory and must remove all information from my credit report if it does not fully disclose in writing to the consumer the credit report rating it used to assess such a high interest rate. It must also provide an explanation why advanced payments at higher amounts did not constitute relief from the bank. Under the Fair Credit Reporting Act, consumer reporting agencies like TransUnion must corret or delete inaccurate, incomplete, or unverifiable information usually within 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 2023-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Was called by a Bank of America phone number ( the same number listed on the back of my debit card ), and said they were from the fraud department and they caught a XXXX transfer of {$3500.00} to someone in XXXX. They asked me if I had sent that and I said no. They said they were going to put a fraud warning and then reverse the payment. They requested a manual reversal for {$3500.00}. They gave me a confirmation code and then sent the request for {$3500.00}. After that, the {$3500.00} disappeared from my account and they said not to log on for XXXX hours. I called BOA and was sent to their XXXX fraud dept where they confirmed it was fraud. The payment is processing, but they cant give me my money back until XXXX reviews the case which could take up to 45 days.

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