vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I SENT A REQUEST TO XXXX XXXX TO STOP AND FREEZE MY ACCOUNT AND THEY SAID NO I SENT IN MY ID AND SOCIAL SECURITY CARD BUT THERE SAYING IT WAS NOT ENOUGH INFORMATION THEY NEED MORE STUFF SO IM SENDING MORE PAPERWORK AS OF TODAY

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 2018-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I wanted to purchase new shoes for my birthday on XXXX   and unaware of scams because all my life all my transactions have went smoothly I was not aware of getting scammed and the scammer made me pay through XXXX {$170.00}. I contacted my bank and XXXX, neither helped 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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
The Original Cell phone bill belong to XXXX dates- XX/XX/XXXX / XX/XX/XXXX First missed payment was in XX/XX/XXXX now another collection company had it over the years ( which The statue of limitations ) has ran out XXXX XXXX has it now and didn't inform me of I can dispute it they also knew it was an old debt and they keep putting on my credit report as if it's an new debt when the account was first opened in XX/XX/XXXX I'd sent an letter to do ( NO RESPONSE ) They have wrong information on my credit report The account is very old and needs to be taken off

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 2018-08-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score ''  disclaimer is completely false. 

On XX/XX/18 I contacted XXXX  and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX   instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: NC

Complaint narrative:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX   XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX XXXX/XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: CA

Complaint narrative:
On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NV

Complaint narrative:
I recently reported XXXX XXXX XXXX to this same organization. Discover 's immediate response was to lock my account, preventing me from making payments. Despite multiple phone calls they are adamantly refusing to remove the lock on my account. I feel that this is a blatant attempt at intimidating me and punishing me for reporting them. Further, I feel that this is a deliberate attempt to force me into making a late payment so that they can increase my interest and charge me penalties. 

XXXX XXXX XXXX is punishing me for reporting them. 

XXXX and XXXX in the XXXX find this situation so uncontrollably funny that XXXX was bursting out laughing at me on the line while she transferred me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS IS AN ATTACHMENT OF ADDITIONAL EVIDENCE OF THIS COMPANY 'S INJURY TO MY ENTITY BASED UPON THEIR INACCURATE AND INCORRECT REPORTING. 
MY INITIAL COMPLAINT REGARDING THIS ISSUE IS DETAILED IN REPORT NUMBER XXXX OF CFPB FILING PURSUANT TO FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX  v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX  v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All occurring on XX/XX/18. Experian has made it nearly impossible to access my free credit report, instead it gives me a continual run-around, ultimately requiring me to physically mail documents ( not free ), to receive my report. While XXXX  and XXXX issued my report without complications, Experian gives one disingenuous excuse after another ... first, " my current address isn't an exact match '' which shouldn't be the case if both XXXX and XXXX had no issue with my address. Then, Experian gave me the option of uploading " proof of identity '' documents such as my license and a current bill. I did so, and each time I clicked to upload and submit the documents I was given a new error ( which wasn't even stated an issue in the upload instructions ). The website states that both PDFs and TIFFs are acceptable formats, but, when I attempted to upload a photo of my license which as in color, it was denied because it had to be a gray-scale TIFF, which wasn't stated prior. The second time I uploaded a gray-scale TIFF, the file size was stated to be too large, again, the second file was smaller than the first, yet I was not instructed to submit a smaller image file. Finally, having corrected both of the aforementioned issues, on my third submission attempt I was redirected to a web page that stated I have exceeded my maximum number of attempts to upload the documents and that my free credit report request could only be processed by mail. Experian is truly the lowest common denominator of the credit reporting world, they make requests so complicated and difficult that most people would give up -- not to mention they try to trick you into paying for a report, even though I'm entitled to an annual report. Truly tired of their fabricated complications and diversionary tactics, this isn't the first time I've had issues with Experian specially when accessing my annual report ... meanwhile XXXX  and XXXX always work without issue.

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 2018-08-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The date for the first incident t was on XX/XX/2018 it doesn't have an amount and the action that was taken from the company ( XXXX/cbna ) is that on my credit report it says that they pulled an inquiry off my credit and I MYSELF NEVER was asked or notified of this incident In any type of way because I wouldn't of allowed this to happen..and also another company named ( XXXX XXXX XXXX XXXX ) did the same exact thing to me on the date of XX/XX/2018 I did not approve or have any type of knowledge of them having a reason to try and pull my credit report and imply and inquiry which in the end added 2 more nonsense accounts to hurt my credit some and I've been working so hard to get my credit up so I can get ready to buy a house for my family! Please do help me get to the bottom of this situation Thank You Greatly!

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( Blitt & Gaines. P.C ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- Blitt & Gaines and spoke with a Mr. XXXX XXXX ext XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with XXXX on behalf of XXXX XXXX. I never heard from Mr. XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the XXXX/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I had this debt on my credit from XXXX and XXXX XXXX agreed to remove the debt from my credit report and they did in XXXX and now this company XXXX XXXX is trying to collect the debt XXXX XXXX agreed to resolve I'm buying a house in 2 weeks and I need my credit score to remain high

Company response to consumer: Closed with explanation