vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and there are accounts and inquiries in XXXX, Experian, and XXXX that I did not authorize

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I just received a judgment notice from XXXX XXXX XXXX XXXX on behalf of LVNV Funding LLC. Which is very surprising to me because I've never received serve notice from them. I want to put this on the record the township that i live in doesn't have their own mail delivery services. I couldn't tell you if it's a malpractice from both XXXX XXXX XXXX XXXX and LVNV Funding LLC, who knows but the fact of the matter still does not change the fact that they violated my rights. For the last time I'm asking the credit collection company to obey the law and verified the debt to which they're claiming i owed to them. I have never conducted any business with the credit collection company for them to show up on my credit report as an original credit. I am not reliable for this debt with this collection company. I do not have a contract with the collection agency trying to collect and reporting on my credit report. This clearly a violation of my rights under ( FCRA ) especially since they are reporting a debt with no account number and claiming to be the original credit. Thus far i would like for the collection agency to send the original contract that i have signed with them with my wet ink signature on it. As my rights im giving them 7 days to provide me with a list of proof this account without no account number is mine.1 original sign contract with my wet signature. 2 detailed list of payments made by me on that debt. 3 I want to see, has there any insurance claim file on this debt. 4 And lastly I want proof you have the chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To whom it XXXX concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : XXXX. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. 
XXXX. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question. 
XXXX. Send me proof that your company notified me before or no later than XXXX ( XXXX ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. 
a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than XXXX ( XXXX ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I XXXX do XXXX or more of the following : XXXX. XXXX a complaint with the Attorney General XXXX. XXXX a complaint with the Federal Trade Commission XXXX. In addition, by previously using the mail to collect on this account you XXXX also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section XXXX XXXX. XXXX, which I will file a complaint with the XXXX XXXX XXXX against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Greetings to whom this may concern, My name is XXXX XXXX stating that Ive been a victim of identify and credit card fraud. It began as I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. While there in order to retrieve a XXXX someone took out an account in my name and made unauthorized decisions. All of which has led me to be in debt and hard to see myself getting out. Initially I may have been hesitant on contacting or replying to agencies on resolving this matter, being that's it hard been quite some time. But, I can no longer let bills and interest increase while not getting grasp on things. Lastly, attached are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed out of {$1000.00} through two separate {$500.00} payments where someone was fraudulently posing as two representatives of XXXX requesting verification to proceed with the transaction. Believing the two payments were XXXX representatives I sent the two {$500.00} payments, totaling {$1000.00} through XXXX on Wells Fargo 's bank transfer platform. Within minutes of making the two transfers through XXXX, while the payment was still processing, I reached out to Wells Fargo 's claims department notifying them of the fraudulent payment and to cancel the transaction. Wells Fargo denied both {$500.00} payments as being fraudulent and was unable to prevent the transaction despite being notified before either payment had finished processing. There were zero safeguards implemented by either XXXX or Wells Fargo even when they were notified immediately of fraud and to prevent the transfer. I filed a claim originally over the phone with a Wells Fargo representative and was later notified of the denied claims status, however, when I went to review my previous claim, it was not listed on my account.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I attempted to get a mortgage, I was notified the judgment shows unsatisfied. I have contacted Ally Financial several times, every time they refuse to accept the payment and insist it is not their responsibility to report it as satisfied. I have asked to speak to a supervisor many times and end up being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to XXXX, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus.

So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations.

State law may impose additional requirements. The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681. According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Cancelled a line of credit with First Horizon Bank on XX/XX/XXXX to prevent any annual fees. XXXX statement showed I was charged {$50.00} annual fee. I called bank and spoke to XXXX XXXX, manger. she could not find the cancellation papers. I offered to bring a signed copy but she eventually found it. No refund was given on XXXX statement. I called again. XXXX XXXX did not call back but had an associate call to leave a voice message that my account had been closed but never mentioned {$50.00}. XXXX statement, still no refund. see attached how many times I called and asked to speak to XXXX XXXX yet never received a call back. Dealing with this issue since XXXX and it now being XXXX, I was extremely frustrated with NO communication from her. I had to threaten to call corporate office if she did not return my call. I did tell the associate who I spoke to that I was " XXXX! '' I ended up calling corporate and was told XXXX XXXX did not turn in the paper work until XX/XX/XXXX. Once XXXX received my threat, she called me and argued that I had never been charged. I challenged her to look at my XXXX statement that clearly showed the charge, but she ignored the request to do the research. The conversation got " heated '' and her tone of voice " completely '' changed when I told her that I had called corporate. The conversation became more heated to the point where I hung up on the phone. She called back and left a message that my account was to be closed in 10 days. XXXX statement ( last statement ) showed 2 online payments that were not honored, even though it was withdrawn out of my account. Another trip to another branch, these payments were honored as I was very embarrassed of the mishandling of funds with the two vendors involved. Had XXXX XXXX handled the refund and listened to me, starting with the {$50.00} charge, none of this would have happened. I received the refund on XX/XX/XXXX. Finally received a letter XX/XX/XXXX that the line of credit account had been closed. See attachments for proof. I have more attachments I will gladly share upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 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  Please block this information from my credit report within 4 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Regarding Comenity acct # XXXX Identity, thieves have completely overr-un my accounts and created situation where I may have to close my doors until further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Subject : Complaint Regarding Missing Funds in Wise Account Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a transaction issue involving Wise ( formerly TransferWise ), which has caused significant financial distress. 

I loaned my father {$100000.00}, which he has been repaying in two installments of {$50000.00} each via Wise. While I successfully received the first {$50000.00}, I have not received the second {$50000.00}, despite my father initiating the transfer over two months ago.

During the transfer of the second installment, there was initially an account number error. However, my father corrected this mistake promptly, and his bank has since confirmed that the funds were sent to Wise. Unfortunately, Wise claims not to have received the funds.

I have tried multiple times to resolve this issue directly with Wise, but I am only able to communicate with them via email. They have been unhelpful and continue to deny receipt of the funds. Moreover, I have been unable to reach Wise by phone, and their lack of responsiveness is deeply frustrating. My father 's bank has also contacted Wise but has not received any acknowledgment or resolution from them.

This unresolved issue involves a substantial amount of money ( {$50000.00} ) and is causing significant stress and inconvenience. I would greatly appreciate your assistance in resolving this matter.

Please let me know if you require additional documentation or further details about the transactions.

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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