vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
A debt validation was sent via certified mail requesting information where I agreed to pay this debt & for agency to show me that they are licensed to collect the debt. It was never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
The last wire that I am aware of that came into my Citizen 's account was for {$51000.00}.

After this wire was received for a job I was to complete, the owner of the wire became upset that I didn't complete his job on time when actuality, there were delays and he was informed in plenty of time about them.

He decided to get back at me and called the wire back, saying I was not the intended recipient of the funds, which clearly they were as my information was on the wire. 
XXXX at Citizen 's Security was extremely rude to me, telling me I am a fraud and that all the wires coming in were going to go back to the original owners. 
The owner of the {$51000.00} admitted his fault to me but said he wouldn't admit it to the bank so I take the fall. 
I already had contracts for those funds to complete jobs for them! 
She said the account will be closed and I will eventually get my balance back but the wires were being returned to the original senders. 
Clearly, that is not the case because I still have notifications turned on for the bank account and I receive notifications every single day, that there is a balance in the account. 
This has been ongoing since the account closure a 2 months ago. I have left messages for XXXX, both phone calls and text messages and she refuses to act like an adult and get back to me. This is childish and I have done nothing wrong! 
I have been accommodating with my time and any information to get this rectified. 

I now need your help to find out if the funds have been returned to their original senders, or if I can obtain a cashier 's cheque for the entire balance and be done with them. 

I await your response. 

Respectfully, XXXX XXXX XXXX I am a XXXX citizen that has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and held both a business account and a personal account with Citizen 's bank at XXXX XXXX XXXX XXXX. XXXX XXXX, NY XXXX. 

The investigation number Citizen 's Bank gave me is XXXX I would really appreciate your help to provide closure on this so I can move on. I can be reached at XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and I believe that the accounts and inquiries specified below were the result of identity theft.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting immediate action to remove these items from my credit file. I have provided all necessary documentation, including a copy of my government-issued ID and a police report, to support my claim. 
Fraudulent Account 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 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

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 2024-11-28 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: ID

Complaint narrative:
The account XXXX still appears as derogatory and in collection, but the account has been PAID. 

Account Number : 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: ID

Complaint narrative:
I was victim of a scammer on the XXXX XXXX. I was scammed out of {$650.00}. I within minutes of realizing the scammer took my money I called the customer service line for the XXXX XXXX XXXX. The card is claimed online to be powered by the Branch App and backed by a business checking account at XXXX XXXX XXXX XXXX. After filing the dispute for the scammed money that was lost I waited 10 days for a generic reply saying they found no fraud. I have tried multiple times to contact someone from the fraud department for Branch App. The customer service agents do not have any contact information for a single person that works in the department. They only way to contact the department is by email that only gives generic responces. After a month of trying, I have not been able to speak with a single person working in Branch App Fraud department. I Contacted customer service at XXXX XXXX XXXX XXXX the FDIC bank that is suppose to hold the accounts for Branch App and the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX customer service said Branch App is a partner company and they dont have access to any of Branch App or XXXX XXXX XXXX  customer accounts and refered me back to Branch App Customer service that doesnt have any way to contact its own fraud department other than email. I am in belief that the Branch App and XXXX XXXX XXXX do not actually have a Fraud department and they are implementing a computer program to send generic responces to meet the 10 window to respond to fraud claims. After a month I have not been able to speak to a single person that works in the fraud department for the XXXX XXXX XXXX through Branch App.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under Equifax but does not appear on my XXXX or XXXX reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting. 
XXXX. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information. 
XXXX. Reporting Errors in Payment History : The payment history reflects delinquencies ( XXXX and 60 days late ) in 2020 without clear supporting evidence or proper updates. 

FCRA Violations The reporting of this account violates the following sections of the FCRA : XXXX. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to Equifax and not at all to XXXX or XXXX, this violates the requirement of consistent and accurate reporting. 
XXXX. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section. 
XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX Account number XXXX .... 
Recent balance {$2800.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XXXX24 ( and for the last month ) I attempted to sign into my Experian Credit Monitoring account. I have changed my phone number and when I try to log in it will not let me. I am trying to update my phone number but can not so I am locked out of my account. I am being billed for the service but can not access it. Experian does not have a phone number to call for help or a chat function. I am concerned that it will affect my ability to lock and unlock my credit report. They have an address to send inquiries to which I did on XX/XX/XXXX but still have not gotten a response. they used to have a number to call but no longer do which I believe is allowing them to be paid for a service I can not access which I believe is unfair and fraudulent.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an improper charge under COMPLAINT ID : XXXX, submitted on XX/XX/year>, related to a credit card issue with a purchase shown on my statement. 

After conducting a deeper investigation, I have identified the root cause of the error involving my Apple Credit Card ( ACC ) and would like to submit an additional complaint with suggestions on how to resolve it in my case and prevent similar issues in the future. 

On XX/XX/year>, I visited XXXX 's website and browsed through their available products. I decided to purchase one item ; however, due to a software error, an additional 16 items I had merely viewed during this session were added to my order. I discovered this issue via my XXXX app, where I saw that XXXX had charged my ACC for a total of {$1000.00}. At that moment, the transaction balance for my ACC was [ - {$1000.00} ]. 

I contacted XXXX to cancel the order. XXXX promptly canceled and refunded only the 16 additional items, returning {$1000.00} to my ACC on XX/XX/year>. The transaction balance at this point was updated to [ - {$35.00} ], representing the cost of the single item I had intended to purchase. 

I then reached out to ACC customer service to request their assistance in disputing the remaining {$35.00}. Meanwhile, I contacted XXXX again, and they promptly refunded the disputed amount on XX/XX/year>, but mistakenly refunded the entire {$1000.00} instead of just {$35.00}. As a result, the transaction balance for my ACC was now [ + {$1000.00} ]. 

At this point, I considered the dispute resolved. ACC simply needed to return the over-refunded {$1000.00} to XXXX, leaving my account balance at {$0.00}, as it should have been. 

However, on XX/XX/year>, I discovered a new charge in my XXXX app labeled " Balance Adjustment '' for {$1000.00}. It appears that during the dispute closure process ( which officially occurred long after XXXX refunded the amount on XX/XX/year> ), the systemwhether due to a software design flaw or human errorinterpreted XXXX 's refund of {$1000.00} as an expense made by ACC rather than as a correction. Consequently, I was improperly charged for this amount again. 

This issue likely stems from either poor software design, which fails to account for such scenarios, or a human processing error during the dispute resolution process. To address and prevent similar situations, I recommend improving the software design to handle such edge cases and/or conducting additional training for personnel involved in dispute resolution processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I submitted a claim for charges from XXXX that I did not authorize. The charges are fraud & totaled over {$12000.00}. I was told that I would receive a call from a rep but never received one. I called & reported that the amount showing is incorrect & that my claim wasnt submitted correctly. None of this information was ever fixed nor updated & Wells Fargo closed my claim without returning my money. They continuously steal from consumers & think they can get away with it by using shady tactics. I want my money returned to my account.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX Reported balance {$18000.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally request that fraudulent accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. I have not authorized these accounts or inquiries, and they are the result of identity theft. 
Fraudulent Accounts : XXXX. XXXX  XXXX Account ID : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account ID : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/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 2024-11-28 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: AL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), the accounts listed below have egregiously violated my federally protected consumer rights to privacy, confidentiality, and accurate reporting under the following provisions of 15 U.S.C. 1681 : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my fundamental right to privacy, which these accounts have blatantly disregarded.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits any consumer reporting agency from furnishing an account without my explicit written instructions. These accounts were reported without such consent, constituting a direct violation.

15 U.S.C. 1681c ( a ) ( 5 ) : Explicitly states that no consumer reporting agency may include any adverse item of information ( other than records of criminal convictions ) in a consumer report if the item predates the report by more than seven years. These accounts failed to comply with this statute. 
The accounts in question are as follows : XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Line of Credit ending in XXXX Furthermore, these accounts have knowingly furnished inaccurate or unauthorized information to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known, or reasonably expected, to be inaccurate.

These violations are a direct infringement of my rights as a consumer under the FCRA and have caused undue harm to my credit profile and financial standing. This is a formal notice demanding that all erroneous, inaccurate, and unauthorized information associated with these accounts be permanently removed from my credit file immediately. Failure to comply will leave me no choice but to pursue legal action to enforce my rights under the FCRA. 

I expect written confirmation that these accounts have been removed and all violations have been rectified within 30 days of receipt of this notice, as required under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief