vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Contacted agency no information matched mine. XXXX stated it was attached to an address that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their failure to address my dispute. 

This bank continues to shift the blame onto me, claiming that I did not provide specific information. It is clear that Wells Fargo completely disregards the oversight of the CFPB, which is an act of defamation towards the regulatory authority. 

I would like to reiterate that during the initial dispute submission, I provided them with all the necessary information regarding the issue. The bank pretended to address it by saying they would submit the complaint on my behalf, but the status remains in awaiting information. 

At this point, I not only suspect that Wells Fargo is the worst bank in the United States, showing complete disregard for customer complaints and third-party oversight, but I also believe that this bank may be on the verge of bankruptcy. They simply lack the capability and resources to handle disputes. Why do I say this? I have colleagues who are credit card users of XXXX and XXXX XXXX XXXX. When comparing their experience with Wells Fargo, it is evident that this bank is extremely inadequate. 

I urge the regulatory authorities to closely monitor this bank and protect the affected customers before they go bankrupt. Considering the banks performance, it is highly likely that they will face bankruptcy in the current challenging economic climate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. St
ates 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: MD

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. 

XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

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 explanation
Consumer complaint received 2023-07-12 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 — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
Previously, disputed CFPB complaint reference # XXXX on this account and results came back still inaccurate. Account is not stating 100 % accurate. * Account reports CLOSED while in collection with a pass due amount. There is no way that account can report pass due if account is dead. * Reporting consecutive Charge off as if it was some sort of payment method. * inaccurate date of last activity reporting XX/XX/XXXX by XXXX XXXX XX/XX/XXXX XXXX while XX/XX/XXXX. *Account is still not reporting as disputed by consumer. I have the right to an accurate credit report and you are not providing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I went to my PNC branch to payoff my home equity loan- {$21000.00}. The monthly payments have been deducted from my checking account at PNC and the balance in my account was more than enough to payoff. I was told they could not accomplish this transaction there and I would have to send a check to PNC in XXXX. I called the main office of the bank in my city and was told again I would have to send the check even though I offered to personally go to the main office. I insisted that the person on the call consult with others to verify this. It is dangerous to send a check in view of the risk for theft. Also if there is a delay with the mail I would be billed for extra interest. These events occurred on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 explanation
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX XXXX- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit XXXX score increased and within an hour Experian aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just experian... XXXX and XXXX too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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:
Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a RIGHT TO PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of XXXXI have called on numerous occasions about my rights being violated. I spoke to the specialist team supervisor and there has been no change to my consumer report. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have mailed an identity theft report via certified mail and need those items removed off my consumer report as well. 

Pursuant to 15 USC 1681 c-2 ( a ) you have 4 DAYS from the data of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My BMO card was charged {$900.00} by a transportation service i never used, i spoke with a representative about this matter and she me why did i give them my card and that the company could always charge my card if they have it on file without my permission. i immediately ask for a supervisor she told me that this was not the case and they would dispute the charge and cancel the card. i have been paying this account every month and still have yet to receive the card. i check the account and it was over the limit. i called back to ask for a supervisor and was unsuccessful in doing so. now this account is being marked late despite it being paid every month. I have called again and i am still waiting on a supervisor. This is a disaster!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost XXXX XXXX XXXX ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... XXXX and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... equifax and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.

Company response to consumer: Closed with non-monetary relief