vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I booked a flight and purchased flight insurance. Then within a few hours I canceled the flight as my girlfriend couldn't come the dates I picked. The company that claims to supply flight insurance charged me anyway even though the policy is a full refund if tickets are canceled for any reason within 24 hours. We three way called the insurance company with myself and Wells Fargo Bank. The insurance company couldn't even find me or my information in their computer system. Within having proof of the transaction they charged my card. The bank knows this and knows the charge is fraudulent but instead of reimbursing me they let the charge stick claiming they need to let Visa services review it. I am out my money as Wells Fargo isn't honoring their fraud protection policy. They run me around instead of refunding me when they found out the charges weren't legitimate.

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 2024-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Retail Merchants Associates
State: TX

Complaint narrative:
I was on XXXX XXXX when i received this bill of {$730.00} from XXXX XXXX XX/XX/year> ( XXXX & XXXX ago ), my XXXX case XXXX XXXX XXXX XXXX, I've provided this information to the collection agency several times, it is now on my credit report, and according to Law 1681 medical information shouldn't be reported to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
SRM XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX RE : Collection Letter SRM Account XXXX, XXXX Account XXXX CC : XXXX, Consumer Financial Protection Bureau To Whom It May Concern, In XXXX of XXXX, I received a collection letter from SRM. This letter referenced SRM account number XXXX and XXXX account number XXXX. I requested more information including who about the source of the debt, and on XX/XX/XXXX I received a follow-up letter ( copy attached ) confirming that the Responsible Party for this debt is XXXX XXXX XXXX 
I had previously discussed this with XXXX back in XXXX and with another collection agency, XXXX XXXX XXXX on XX/XX/XXXX. It is obvious that XXXX sold this debt to XXXX who has now sold it to SRM. 

I was a formerly employed by XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My employment ended in XX/XX/XXXX. I was not an owner or corporate director. My understanding is that subsequent to my departure, XXXX XXXX XXXX, XXXX was rebranded as XXXX XXXX XXXX and moved their corporate headquarters from XXXX XXXX, CA to XXXX, TX. 

Any XXXX accounts related to XXXX XXXX XXXX were opened up as an employee of that business, under their direction, paid for by them, for their sole use, and their debts and obligations remain the property of that business and its owners or assignees. 

I have subsequently become aware that SRM has posted this information, incorrectly, to my personal XXXX credit record. It is abundantly clear that SRM is aware that this debt belongs to XXXX XXXX XXXX and not myself. As a collections agency, SRM should be fully aware that corporate debt is not the obligation of former employees, particularly where those employees left the company prior to the company incurring the debt. SRM appears to be blatantly attempting to apply corporate debt to my credit file in a knowingly fraudulent manner. 

I am formally requesting that SRM : immediately correct and clear the credit records of XXXX and any other credit agencies ; stop attempting to post corporate debt to employees ; cease and desist from contacting or bothering me regarding this debt. 
I have reported and disputed this with XXXX and have reported SRM to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


XXXX XXXX XXXX XXXX DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


XXXX XXXX XXXX XXXX DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO 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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has taken money that was supposed to be refunded to me. Instead of refunding the money to me from the dispute that I won they withheld information and overdrafted 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 monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX  # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX  account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.

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 2024-02-05 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: MI

Complaint narrative:
I am writing to inform that i was never provided a copy of the privacy notice that XXXX, XXXX and Equifax are required to provide to me under 12 CFR 1016.4 before they disclose any nonpublic personal information about me to any nonaffiliated third party.

I am also writing to exercise my right to opt out of any such disclosure under 12 CFR 1016.10 ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in 1016.13, 1016.14, and 1016.15.

Furthermore, according to the Privacy Act of 1974 ( 5 U.S. Code 552a ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: MI

Complaint narrative:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended California XXXX XXXX in XXXX. In XXXX, a class action lawsuit named XXXX v XXXX reached a settlement agreement that my student loans would be cancelled and all payments refunded on or before XX/XX/XXXX. To date, nothing has happened. I can't get answers from anyone about this problem. I just want the relief that I am entitled to under the settlement agreement. Navient holds both of my federal student loans and my private student loan. All three loans are for attendance to California XXXX XXXX in San Francisco which is now defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: MA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my 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 2024-02-05 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.

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 2024-02-05 00:00:00
Product: Credit reporting 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:
UNKNOWN INQUIRIES : XXXX XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. XXXX XXXX XXXX XXXX DATE : XXXXXX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: MA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis has incorrect data on my name for Homeowner insurance policy with XXXX which belongs to my father from XXXX. The claims are showing under my name. The house and deed these claims belong to are not mine. This is affecting my ability to purchase my first home due to multiple insurance rejecting me home coverage because of the claims on this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
AMEX reported an inquiry on my consumer report without providing written disclosure to such inquiry being reported nor did they provide me with the option to opt out of my information being reported.

Company response to consumer: Closed with explanation