vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent. 

XXXX also states that they do not report to the credit bureaus however its false advertising as they have reported to Experian.

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 2023-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Dear CFPB, I want to report Identity Theft from Real Time Resolution, a DEBT COLLECTOR, on an account established without my authorization. Real Time Resolution [ XXXX ] created account # XXXX on my property XXXX XXXX XXXX, XXXX, CA XXXX without my authorization. I never contracted with XXXX and there is no agreement between XXXX and myself, XXXX XXXX. XXXX is attempting to collect on a debt, fraudulently created a loan account. 

Therefore, I sent a demand letter to XXXX to verify, validate and authenticate their alleged account agreement under my consumer protection rights under FDCPA, FCRA, FCBA, CFPB and CA ROSENTHAL ACT [ see COPY ENCLOSED ]. 

In addition, recently it was brought to my attention by a XXXX XXXX XXXX XXXX than an Assignment of Deed of Trust was recorded on my property on XX/XX/XXXX, by Real Time Resolution [ see COPY ENCLOSED ]. 

Most recently, XXXX IS THREATENING TO FORELCOSE and filed a Notice of Default on my property at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ see COPY ENCLOSE ]. 

Even if this alleged account was valid, per your CFPB Issues Guidance to Protect Homeowners from illegal Collection Tactics on Zombie Mortgages dated XX/XX/XXXX It is illegal for debt collectors to sue or threaten to sue to collect debts past the statute of limitations. 

Im requesting for CFPB to act against XXXX for their intentional fraudulent, deceptive, and threatening behavior to foreclose on my property. 
To Demand for XXXX to cancel the Notice XXXX XXXX and Expunge the Assignment of Deed of Trust recorded on my property. I will also be filing Identity Theft Report with the Internal Revenue Service [ IRS ] and Federal Trade Commission [ FTC ]. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: GA

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. 

has violated my rights. Or list of inquiries 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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Starting on XX/XX/2023 XXXX XXXX allowed someone to complete XXXX transactions out of my Wells Fargo Business Account. I've reported this to XXXX XXXX and Wells Fargo. When I first initiated the dispute processXXXX XXXX responded with the incorrect information. My XXXX XXXX  is set up under my email address XXXX not a phone number. When XXXX XXXX responded to my dispute they responded to me as XXXX. My XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX This has me under the suspicious that they have the wrong information about me and something happened to allow someone to take advantage of my information and make these unauthorized transactions. How can you investigate a dispute if you have the wrong person? My Sim card also was compromised and was unaware of the issue until XX/XX/2023. {$17000.00} was taken in small amounts from my Wells Fargo account. I've submitted documentation and had XXXX XXXX even reach out to Wells Fargo and XXXX XXXX  Even with the evidence provided, both parties continue to deny my claim. When I spoke with the investigators from Wells, I mentioned, the amounts aligned with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not say, I sent to wrong recipient. After talking to the executive manager at wells, he made me feel like I was a criminal attempting to lie. XXXX is alot to just walk away from. Even though XXXX XXXX is the issue, Wells Fargo is supposed to have its clients back. How can you fully investigate a issue if they have the wrong recipient?

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, XXXX XXXX, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, XXXX XXXXXXXX, acknowledged that it was their fault and would refund the 2nd payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, XXXX XXXX, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, XXXX XXXX, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.

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 2023-08-31 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: IL

Complaint narrative:
I recently made a complaint about experian reporting inaccurate information on my report. XXXX removed everything from my report as ask. TRANSUNION AND XXXX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from experian. They need to be removed from XXXX and transunion as well asap. Below is proof that it was removed from XXXX  but not the other two

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 2023-08-31 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: ME

Complaint narrative:
I sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2023-08-30 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

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 2023-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an email from American Express inviting me to open a savings account and if I did open it I would receive a {$350.00} incentive if I opened my account with XXXX by XX/XX/2023. I opened the account and have kept the money even past the time that they required, which was 12 weeks and I still havent received any money and they keep fighting me on that. I have the email to prove it. They keep opening cases and giving me case numbers and escalating this problem and nobody wants to fix my problem. I have the email as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: OH

Complaint narrative:
I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. XXXX responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.

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 2023-08-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CT

Complaint narrative:
I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-30 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: DISCOVER BANK
State: NC

Complaint narrative:
I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE
State: NC

Complaint narrative:
I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.

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 2023-08-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Security Credit Services, LLC
State: AR

Complaint narrative:
I was checking XXXX XXXX  on my report and there was an alert that said I had a new account as of XX/XX/2023. I have not opened any new account nor would I since Im using a debt consolidating company to repair my credit. My information has been leaked by companies being cyber attacked and I have frozen my credit reports. So I am at a loss right now of why, who authorized this account. Transition is reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: MI

Complaint narrative:
I have not requested these companies to access my Equifax consumer reports. They have committed identity theft by not getting my permission. 
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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MD

Complaint narrative:
A week ago, a company asked me for a survey on Netspend. I answered said survey and the next day, a transaction from New York for a XXXX at XXXX. was done using my bank card. I find that to be quite amusing, Don't you? Now, in the survey I spoke about Overdraft Protection. This is a service that is offered by Netspend at a fee of {$20.00}. Well, I used it to the best of my ability, every chance I needed. AND I PAID THE FEE. Well, Netspend turned my overdraft off from XXXX til XXXX, 2023. What's intriguing is other banks, like XXXX offer it at no fee and {$200.00} limit. So I found other means to suffice in other institutions since Netspend changes the rules as they go along and the fact that they offer a fee for a service and then get mad personally when it's used. In excess or not, the fee is paid everytime I use it. No guidelines state excessive use is punishable. I notified Netspend by calling and speaking to a rep advising the unauthorized charge. I received an email asking for a letter sent to them to advise of the unauthorized charge. The games people play with people and there monies isn't a game I would want to play. It's not funny to use my information and take monies from my account over a survey. If you don't want people talking about your business, then do better with people 's monies especially if you're bonded, insured, or trusted with currency. I'm looking for a better banking experience because Netspend has some really serious personal issues with my account, no matter how bad my banking may have been. Netspend could have asked me to close my account which will happen soon, but don't play games with my money.

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 2023-08-30 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I Send letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information ' on accounts I have below. I also have attached the letter I sent to credit bureaus According to the FRCA The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such item of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % accurate ACCOUNT- account # XXXX Original creditor-XXXX AN XXXXXXXXXXXX XXXX sold to collection agency-Credit Collection Service XXXX XXXX XXXX XXXX XXXX MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CT

Complaint narrative:
I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : 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 2023-08-30 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: CT

Complaint narrative:
I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30 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: BTH Management
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Finance Protection Bureau XXXX XXXX XXXX State Of Michigan Attorney General Consumer Protection XXXX XXXX XXXX XXXX, MI XXXX Plaza Services , LLC has XXXX Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099 B. 
Also, Plaza Services , LLC Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies on my credit report as a means of intimidation. 
They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, anxiety, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to extort money from me. 
The account needs to be deleted from all three agencies now. 

XXXX XXXX XXXX, XXXX. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ENC : XXXX proof

Company response to consumer: Closed with explanation