vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-27 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: MO

Complaint narrative:
Remove all unauthorized hard inquiries from my credit report per 15 USC 1681c-2, as they are inaccurate and damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
I am submitting this complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block and remove all information appearing on my consumer credit report that has resulted from identity theft and fraud within four business days of receipt of this notice. The fraudulent and inaccurate information consists of several accounts and collections opened without my knowledge or authorization. 

These fraudulent accounts include : 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 
These accounts have led to several fraudulent inquiries and collections, which now appear on my credit report. I do not recognize any of these accounts or the inquiries tied to them. All of these fraudulent entries were not made, authorized, or initiated by me and are the result of identity theft. 

I have attached the following documents to support my case : A copy of my FTC Identity Theft Criminal Complaint ( Case Number : XXXX ). 
A copy of my credit report showing the fraudulent accounts and inquiries. 
A list of the fraudulent inquiries associated with these accounts. 
I demand that all of these accounts, collections, and hard inquiries be removed from my credit report and that all related collection activities cease immediately. I expect this to be resolved promptly in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

Thank you for your attention to this matter. If further information is required, please contact me directly.

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 2024-11-27 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: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have attached relevant documents for your review and reference.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account Kohl'saccount. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to Kohl 's my creditor and had any
unattended late payments removed from my account statements, which support my claim of an impeccable payment history.

Kohls is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXXXXXX XXXX XXXXXXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with aging parent and child care.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Early Warning Services, LLC
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under XXXXXXXX XXXX XXXX XXXX XXXX. ( Pennsylvanias Unfair Trade Practices and ConsumXXXX Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  and also these inquirires addreses and names not associated with me 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally report a case of identity theft and unauthorized activity involving my Wells Fargo credit card. I am a long -time customer of Wells Fargo.I am a XXXX  XXXX  currently working across multiple states, with my primary residence in Florida XXXX 
While in was in XXXX  for few days, on XX/XX/year>, I applied for Wells Fargo credit card through bank official website and was approved for {$5000.00}. 
To my shock, on XX/XX/year>, I discovered a Wells Fargo XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX with a fraudulent credit limit of {$8.00} XXXX had been opened in my name. Furthermore, a charge of {$7.00} XXXX was made to a business named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, a location where I was not present at the time. 
On XX/XX/year>, the date the fraudulent charge occurred : I was working a XXXX shift at XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX 
I used my business debit card ( XXXX XXXX XXXX XXXX ) for vending machine transaction on the hospital 's XXXXXXXX XXXX XXXX additional his transaction was recorded as " XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year> additional transactions from XXXX XXXX  and XXXX XXXX XXXX XXXX  on the same card confirm my presence in XXXX. 
The Wells Fargo XXXX XXXX XXXX credit card was never in my possession and never activated by me. 
The circumstances of this fraud raise serious concerns about the security of my personal information. Given the nature of this breach strongly suspect this may involve internal security vulnerabilities. 
How was the XXXX XXXX credit card activated without my authorization or possession? What IP address and device were used to activate the card and process the transaction? 
Were any change made to my credit limit or personal account details? If so, who authorized them? 
Why did Wells Fargo 's fraud detection system fail to flag this suspicious activity? 
Steps I have already taken. 
I reported this fraud to Wells Fargo customer service on XX/XX/year>, and fraudulent account was eventually closed. 
I hope Wells Fargo conduct an in -depth investigation into this fraudulent account and will provide a full report of their findings, including a timeline of events and security measures breached. Confirm in writing that I will not be held liable for any charges or credit account fraudulently opened in my name. 
Advice me on how to protect my accounts and secure my personal information moving forward. 
Sincerely, WF customer

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 2024-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have still harassed me via calls and emails, and report to my credit profile. 
My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : XXXX XXXXThe original contract or agreementXXXX  between myself and the original creditor that establishes the debt. XXXX XXXXA copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. XXXX. XXXXA complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. XXXXXXXX XXXXAny judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and have harassed me via email and phone, which is a CLEAR violation of my consumer rights, per the Federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
In accordance with 15 USC 1681c-2, please delete all unauthorized hard inquiries affecting 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score has been severely impacted by an account that recently appeared on my report without my authorization. This single account is causing significant damage to my credit standing, creating an inaccurate reflection of my financial history.

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 2024-12-03 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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