vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Westlake is in a act of fraud asking for a {$20000.00} down payment and a false & inaccurate finance charge under truth & lending in participation in a consumer Credit transaction, Pursuant 15 U.S. Code 1605 Determination of a finance charge is the sum of all charges in connection with any consumer credit transaction,

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This credit card was a compromised card.this card was sent to the fbi cyber unit XXXX XXXX XXXX 
Was told there was nothing could be done. 
This has caused negative remarks on my credit reports. 
There is no contract with this collection agency. 
XXXX XXXX XXXX There REFERENCE ID IS XXXX The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This will be my XXXX and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. XXXX, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was always charged overdraft when I never signed up for overdraft this has put me in bad 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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was contacted by PORTFOLIO RECOVERY ASSOCIATES , LLC regarding a debt owed on a closed account. The company contacted my mother and husband regarding this matter in XX/XX/2022. I have repeatably asked this company to stop contacting me regarding this closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
My account was hacked in 2010 like most others

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since I was adequately the noticed about the interest charges. I never enrolled for a Paperless statement, the system shows I am enrolled for paperless statement. Once I logged in online then only I was aware of the interest charges charged to my account. The interest was charged to my account on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX. Since I did not have knowledge about the finance charges I would request to waive the interest charges on my account. I paid the entire balance in full as soon as I realized the account is accruing interest. So I want to dispute the interest charges in my account. Also I paid all the remaining balance I was due within XXXX weeks of time, once I knew the balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX employments XXXX Florida 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 2023-01-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
The collection company Radius Global solutions is attempting to collect a supposed debt owed from the time frame XXXX, in the amount of XXXX which the statute of limitations has past. They have been calling me for months and most recently sent me a text message on XX/XX/23

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 2023-01-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
For account # XXXX In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom This May Concern, A XXXX-day late payment was filed against me last week from SUNTRUST BANK that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to TRUIST BANK ( ALSO KNOWN AS SUNTRUST BANK ). I had reached out to XXXX XXXX, and they stated that my loan was in fact sold to TRUIST BANK back in XXXX and I should have received a notice from TRUST BANK also and provided me with TRUST BANK account number. I had reached out to TRUIST BANK on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from TRUST BANK had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXXXXXX XXXX is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from TRUIST BANK had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from TRUIST BANK had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in XXXX business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX XXXX was never carried over to TRUST BANK which results in the late payment and since TRUIST had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX XXXX regarding the selling of the loan to TRUIST BANK - No email/letter/phone call was attempted by TRUIST BANK regarding the purchasing of the loan from XXXX XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. 

- I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a XXXX  days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from SUNTRUST BANK/TRUIST BANK removed and my credit score should be back to XXXX points. 

- XXXX still shows my balance with SUNTRUST Open. with XXXX  days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, 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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a revocation of power of attorney to CarMax Auto XXXX  by certified mail. CarMax did not acknowledge this letter. CarMax no longer has power of attorney over my car contract. 

I also sent In an affidavit of truth with codes CarMax Auto XXXX has violated. 

Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AFFIDAVIT OF XXXX XXXX XXXX XXXX  This Rescission notice is made Pursuant to 15 U.S. Code {$1600.00} ( a ), rescind the agreement. Neither was Igiven the notice that as Iwas never told Ihad 3days to transactions. Furthermore, you CarMax Auto Superstores comes along with all the consumer credit all my rights as a consumer including but not Inc failed to clearly & conspicuously disclose 6 Take further notice that Pursuant to 15 U.S. Code {$1600.00} Superstores Inc accepted a CASH down limited to my right of rescission.

1, Breanna U.S. Code {$1600.00} ( i ) ; Pursuant to 14 XXXX, participated in a consumer credit transaction and not a loan ; consumer credit transaction shall be determined m e by your organization in direct violation CarMax Auto which clearly states : The finance charge does payment of {$1000.00} violating 15 U.S Code transaction. not include charges of a type payable in a 1605, comparable cash Pursuant to 15 U.S. code {$1600.00} ( 1 ) ( 3 ) ; one can be fined year, or both, for giving false or inaccurate information up to {$5.00} or face imprisonment for up to one to disclose. In this case you, CarMax Auto Superstores or fails to provide information which is required rescission, I am not liable for any interest becomes void effective disclose and provide all information clearly to Inc, willfully violated this law when you failed Notice that pursuant me as a consumer. to finance charge to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this immediately. or other charge or other charge, and any security Take further notice that 20 ( twenty ) days after property given as earnest money, down your receipt of this notice, you must return necessary or appropriate to reflect the payment, or otherwise. Also, you shall take any and placed on the property which termination of a security interest created under any money or action in this case is aCAR ( XXXX, XXXX, XXXXXXXX XXXX  the transaction # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I filed a fraud dispute with this company back in XXXX XXXX over the phone. I later found out that I needed to fill out a form and send it back to them. I did so in XXXX and they confirmed receipt and assigned it to Case ID / XXXX. As of XX/XX/XXXXXXXX, they finalized my case and it was denied, with no just cause ... Again, this was a FRAUD dispute. Meaning someone stole my card and used it without my permission. These clowns completely mishandled my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
My problem is with the united collection bureau, and XXXX XXXX 's hospital of XXXX Massachusetts. Firstly I never received a bill. I had XXXX XXXX XXXX 's with my email to which I never received a bill I also never received a bill in the mail. I knew I had some kind of bill coming from them so I was watching out for it. I tried to contact XXXX XXXX to which I could not get a person who could assist me after being bounced around from person to person for XXXX minutes and then hung up on I tried to use their online payment option. Which was not possible as their website was broken ( I returned and tried more times and it never worked ). This was around XXXX of XXXX. I then forgot about it because I had no way to pay it. Later I received a call from a number not listed on the united collection bureau list of numbers, from a person who I could not understand as they were speaking broken English asking me to pay a medical bill, to which they could provide no detail about. I assumed this was a scam and told them so they hung up and I never received any further calls, which made me even more firm in my belief that it was a scam. Only to find months later that my credit had been affected. I searched for the collection agency and found multiple numbers, so I called and left a voicemail at least two times. They have yet to return my call although stating they would call me back the next business day. I have been trying to pay this bill for a very long time, I have tried on so many occasions to pay this bill and yet I am unable to and now it's affecting my credit. At this point I have spent well over 20 hours searching and trying to find a way to pay/ contact them and I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent information to the XXXX major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate. 

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is XXXX percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter. 

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not XXXX percent correct. It is also my undertanding that you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX  XXXX XXXX Validate Account XXXX XXXX Validate Account according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Company response to consumer: Closed with explanation