vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I am a victim of Identity Theft, I recently noticed this company reporting false information on my Credit Report which is causing me undue hardship as it is causing me to be denied housing for myself and my children I have already filed an FTC report about the accounts on my credit report arising from the identity theft issue I have also reached out to the Company directly asking for the alleged debt to be validated, showing an agreement between myself and their company with my wet signature, They have ignored my request time after time. 

I have never done business with any company by the name of FCO

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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank mailed me a letter on XX/XX/2023. In the letter, they indicated they have decided to close my accounts. That includes all checking, savings, and credit cards. I called the phone number listed in the letter. The representative told me they can not disclose the reason for closing my accounts. Additionally, my wife 's account, which had me listed as a joint account holder, was also closed. When she called the phone number listed on her letter, she received the same response, that they can not disclose the reason. Our accounts were officially closed on XX/XX/2023. I would like to find out the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2024 Dear Transunion XXXX XXXX, I am writing just to make some corrections to my credit report, specifically addresses and places of employment. Some of the information provided will either relate to XXXX or Transunion, not always both! 
INACCURATE ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE EMPLOYMENT ; XXXX. XXXX XXXX XXXX INACCURATE NAME SPELLING [ S ] XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Please delete all the inaccurate information that is listed in my Consumer report that You see listed here above. Thank You!

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 2024-02-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-19 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: MOHELA
State: MD

Complaint narrative:
Always mail your disputes with two forms of ID in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Wells Fargo for wrongfully closing my credit card account in XX/XX/2023. Despite being a responsible customer who has never missed a payment, I found my account closed due to a payment issue that arose from a fraudulent incident. 

On a Thursday afternoon in XX/XX/2023, I made a payment of 25 % of my credit limit, believing all was in order. Unfortunately, my check bounced due to fraud, leaving the funds unavailable. Five days later, after resolving the issue with my bank and reapplying the funds to my Wells Fargo credit card before the due date, my account was abruptly closed by Wells Fargo 5days after the payment did not clear ( 5 business days, not 5 weeks not 5 months, 5 business days ), citing misuse of the card. 

Wells Fargo claimed that a {$2000.00} payment in XXXX and a {$50.00} payment in XXXX did not go through. However, aside from the {$2000.00} payment affected by fraud, my payment history has been impeccable. I even have a mortgage with Wells Fargo, underscoring my reliability as a customer. 

Despite my efforts to rectify the situation and plea with Wells Fargo to reconsider, they declined to reopen my account, causing a significant drop in my credit score by XXXX points across all three credit bureaus. Furthermore, the closure of my cash back card meant that {$25.00} in cash back rewards remained unapplied, which I rightfully earned. 

In light of these events, I am deeply troubled by Wells Fargo 's actions, which have not only damaged my credit but also left me feeling disregarded as a valued customer. Given the impact this has had on my financial standing and the apparent injustice of the situation, I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter and seek resolution. 

I appreciate your attention to this issue and hope that your intervention can help rectify the situation. Thank you for your time and assistance in advance. 

Sincerely, 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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/24 I sent {$15.00} towards a {$100.00} deposit for a room to rent. On XX/XX/24 I sent the remaining {$85.00}. I tried to contact thr recipient and realized it was a scam once I couldn't get in touch with them. I contacted Cash App support to let them know the person I sent the money to was a scammer and they still refused to refund the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MOHELA
State: FL

Complaint narrative:
Mohela ss # XXXX It has come to my attention that negative items are being reported on my credit to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
In XX/XX/2023 I contacted my mortgage company and requested a loan modification. In XXXX I received a client action plan which I signed and sent back. The action plan was dated XX/XX/2023. And stated that I needed to send a payment of XXXX XXXX of 2023. I mailed a pre authorized check with that amount. Mid XXXX I was served with papers for foreclosure. I spoke to my loan officer on XX/XX/XXXX. She said the loan modification was not approved and was sent to me instead of a different lender. Although it had my loan number and my information on it. She said she was going to request a partial claim to the loss mitigation department and to call the following week. I received a letter from that department dated XX/XX/XXXX, the day before I even spoke to her, and the envelope was postmarked XX/XX/XXXX. Which makes no sense. I spoke to her again XX/XX/XXXX and was told I dont qualify for a modification because the payment would be to high, and then sent me an email the next day my option is a reimbursement of the loan and I have to pay {$27000.00} in 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-19 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:
PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX sent theft affidavit along with dispute letter this item is not mine no respond or letter from collection agency providing me with any original contract or providing to me item is mine also item is over 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I asked them to provide info on the account and they did I just want removed from the credit bureau. Its XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

XXXX  Account # XXXX has violated my rights. 



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

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

Disputes were sent out on XX/XX/2024 and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
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. 

XXXX  Account XXXX XXXXXXXX has violated my rights. 



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

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

Disputes were sent out on XX/XX/year> and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans union is incorrectly reporting several addresses that don't belong to me, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked them to please remove / delete from my files, the ONLY CORRECT ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account showing in collections and is still being reported as late when is already paid off. XXXX and XXXX have removed this account, and I am not sure why is still being reported as late. 
The account is for XXXX, for the amount of {$160.00}, the account was paid off on XX/XX/2024 and the confirmation number is : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: WA

Complaint narrative:
XXXX XXXX is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXX XXXX  is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit 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 2024-02-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX  is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXX XXXX  is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received many letters and emails from Jefferson Capital where they said that I have a debt of {$300.00}, and this has affected my credit score and my social security number. I haven't taken action against the company, because I don't accept that this is my account or my responsibility. The last letter I received was on XXXX XXXX 2024, and the email was sent XX/XX/XXXX. 

If you require more information, feel free to contact me. Thank you.

Company response to consumer: Closed with explanation