vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I am writing to report a dispute regarding a transaction I made through XXXX on XXXX XXXX XXXX for the amount of {$1000.00}. The payment was sent to XXXX XXXX XXXX for XXXX purchase of a massage bed. Despite being promised delivery within 60 days, I have not received the product to date. I submitted a complaint since XXXX, the person I sent the payment to, has not replied to me. XXXX hasnt been able to confirm my delivery confirmation for the product I purchased. He sent the bill of landing but It does not include a tracking number or where the product will be delivered. XXXX, referred me to contact the shipping company, I reached out to them and spoke with XXXX. XXXX states he doesnt know where or when my order will be received. I have yet to received a response so I submitted it to XXXX as fraud since its been 7 months since the purchase date. As a result they closed my account rather than helping me. 

To provide a clear timeline of events : XX/XX/XXXX : I sent {$1000.00} via XXXX to XXXX XXXX XXXX for the purchase of a massage bed. 
XX/XX/XXXX : After not receiving the product within the promised timeframe, I contacted the seller and was given the shipping point of contact, XXXX. 
XX/XX/XXXX : XXXX informed me that he did not know the status of the delivery. 
Since then, I have made multiple attempts to resolve the issue, but I still have not received the product or confirmation of its whereabouts. 

I am requesting XXXX assistance to resolve this matter. Specifically, I would like to : 1. Confirm the recipients details for this transaction.

2. Determine if there are any protections or claims I can pursue through XXXX for non-delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-10 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: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXXXXXX XXXX XXXX  and also a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
close the fraudulent account and send you a letter confirming that : the fraudulent account is not mines 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Violation of Cease and Desist Order Account ending XXXX Wells Fargo case number : XXXX This letter confirms that you have violated the cease and desist order I issued on XX/XX/year> regarding account XXXX. Your continued contact constitutes harassment and a violation of Texas law under the Fair Debt Collection Practices Act ( FDCPA ), 15 u.s.c. 1692c ( c ). I am legally taking the next step of action unless we can work on a settlement for damages. 

Sincerely, 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 2024-12-10 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: MD

Complaint narrative:
I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX - XX/XX/year>

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 2024-12-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX Lexington Law has charged me {$120.00} a month for 4 years and charged additional fees for to challenge items on my credit report to repair credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOICIATES, LLC ACCT : XXXX OPENED ON XXXX 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesn't provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). I'm also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
account number XXXX Consumer adjustment Co XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company is trying to collect {$3000.00} for a debt that I do not owe. The company claims that I opened an account with them in XX/XX/scrub>XXXX XXXX I have never done business with this company and I am unaware of how they received my confidential, personal information.I have written the company to dispute the inaccurate information on my credit report to no avail. I have also disputed this debt trough XXXX. This incorrect information is damaging my credit worthiness resolving in financial hardships. Please remove this account. I am also due {$1000.00} for my inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-10 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: OR

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint due to ongoing errors and violations in the reporting of my SYNCB/PPC account ending in XXXX. I have been disputing these inaccuracies for over five months with SYNCB/PPC and the credit reporting agencies, yet no corrective action has been taken. These errors are severely damaging my XXXX XXXX and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are listed as XXXX and XXXX  which are future dates and therefore impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account shows a {$0.00} balance and indicates a settlement was accepted and paid in full for less than the full balance. Despite this, the account is still reported as a Collection/Chargeoff, which is misleading and inconsistent.

Contradictory Payment History : The payment history inaccurately reflects delinquencies, including 30, 60, and 90 days past due, even though the balance is {$0.00} and the account was settled. 
Failure to Correct Disputed Information : Despite multiple disputes, SYNCB/PPC has failed to correct these errors within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure constitutes a violation of my right to fair and accurate credit reporting.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
SYNCB/PPCs failure to correct these inaccuracies is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals such as purchasing a home for my family.

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 2024-12-10 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I receive multiple calls daily from this company. No messages ever left, no mail ever sent to my home about a debt I owe. When I have talked to them they will not confirm any information. I do not owe any outstanding debt and they are harrassing me at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: AZ

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. 

Charge Off 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint due to persistent errors and violations in the reporting of my Discover Bank account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with both Discover Bank and the credit reporting agencies, no corrective action has been taken. These inaccuracies are damaging my credit score and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are shown as XX/XX/2024 and XX/XX/2024, which are future dates. This is impossible and violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account shows a {$0.00} balance and comments state that a settlement was accepted and the account was paid in full for less than the full balance. Despite this, the account is still reported as a Collection/Chargeoff. This inconsistency unfairly damages my credit profile. 
Failure to Correct Disputed Information : Despite my disputes, Discover Bank has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure violates my rights to accurate and fair credit reporting.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Discover Bank 's failure to correct these errors is a direct violation of my rights and has caused me significant harm.

Company response to consumer: Closed with explanation