vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: C.Tech Collections, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX collecting a debt, this is not my debt and no more contact or ill sue them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
Equifax recently added delinquent payment status on my XXXX XXXX account XXXX 
XXXX ) Equifax claimed to have verified this account XX/XX/2023 and there was no late payment statuses updated after their investigations, but suddenly XX/XX/2023 added XXXX day late status to my account. 
XXXX ) as mentioned before, this account was transferred in XXXX to another Mortgage company. This account has not been active for the last 120 days. 
XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX me that they notified all CRAs to close this account with NO delinquent status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I opened a credit card account with Big Lots in 2016 my credit limit was very high. I also had an account with XXXX XXXX as well. I make my payments for both Big Lots and XXXX XXXX XXXX Comenity Bank for my payments. Big Lots I have auto pay and XXXX I have paid them off. Comenity Bank when asked about why my credit limit was lowered, XXXX XXXX of the customer service reps said to me, it was because of my credit score. I called back to see what another customer service rep would say if I asked the same question. The next time I called I got Destiny, who said that Comenity lowered my credit card limit because of my credit card score. Comenity teaches their customer service reps to LIE. It is funny when I paid off XXXX XXXX and I told the customer service rep to close it, because I really didn't like the makeup. The next thing I know they lowered my Big Lots credit limit, I thought that to be very odd. The LIE these 2 customer service reps XXXX and Destiny told me because of my credit score, when my score is over XXXX makes me very angry. I pay more than I am suppose to pay, and my balance doesn't go down much. By now it should have been paid off. Comenity is a very crooked bank to deal with and they teach their employees to tell LIES. From the complaints I have read I see I am not alone. They should be closed down from being unfair to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX {$1500.00} listed 3x. Its an emergency thing. Not sure.

First, I have medical insurance. Second It is listed 3x with the same amount. It is false. 
Third, I have no idea of these charges!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 
Account name : 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, has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
CREDIT BUREAU SYSTEMS ( original creditor XXXX CA XXXX XXXX XXXX ) This has been on my credit report since 2018 and is completely false. XXXX XXXX sent me a bill for over {$1000.00} when I moved out of the townhome I rented from them. There were no major damages, anything minor should have easily been taken care of out of my deposit. Since then, somehow the amount they are reporting has more than tripled. Not only should this be taken off of my credit report, XXXX XXXX should be held liable for damages for the negative impact on my credit for bogus charges. They have used an abuse of authority to send trumped up bills for damage that was not done while I was a resident there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Creditor : CENTRAL PORTFOLIO CONT Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX I have repeated received an incorrect collection on my XXXX credit report for medical fees in the amount if {$1500.00}. 

I have disputed this collect 2 times in the past and had it removed from my credit report because the creditor Central Portfolio could never produce the requested evidence to support that I owed this debt. The creditor has not produced any documents whatsoever. 

2 times I have had to get this collection removed from my report and the creditor waits a few months and then assigns the same collection to my report, without furnishing any supporting documents. 

XXXX is the only credit bureau that allows this to happen. XXXX and XXXX have not allowed this creditor to abuse my credit report with such false and determinantal false collections. 

I want this creditor to remove this collection immediately and indefinitely, or be fined for abusing the rules, statues and regulations set forth by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report, i recntly Received a copy of my credit report, and i found the following unauthorized credit inquiries made by the following companies 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 These inquires were made without my authorization and without legitimate business purpose. Please remove these unconfirmed lacking certifiable evidence unless physically certifies and verified proof is demonstrated and provided per U.S Code 15 U.S.C 1681 section 604 of The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U S DEPT OF EDXXXX ( 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
In XXXX, I filed a complaint with Wells Fargo for XXXX. Due to health issues and other unfortunate circumstances, I wasn't able to get on the flight. Wells Fargo issued me a provisional credit. Afterwards, the called me only once, and sent out one letter. They did not ask me for further evidence to support my claim. 

They sided with XXXX, a company that is known to abuse and treat their staff and clients with XXXX, cruely. I continued to bank with Wells Fargo through all of the shot they put clients through. 

During the Pandemic, I was the sole caregiver for XXXX XXXX people who were seriously ill, while recovering from long haul. I lost work due to health issues and XXXX from long haul XXXX. 

Stresses from dealing with Wells Fargo, has my health even worse. 

Wells Fargo reversed the provisional credit on my account and garnished XXXX weeks worth of pay on my account. They put me in the negative for almost XXXX. I was left in a emergency situation. Since then, they refuse to refund me back my money and have been absolutely terrible. 

I've had to deal with lies and bullying from this shady and unethical business. Absolutely heartbroken. 

Wells Fargo, your day of reckoning is coming. Wait and see.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I paid a debt owed to XXXX XXXX  and received a copy of the account balance that showed {$0.00} being owed and Willams and Fudge XXXX XXXX XXXX XXXX XXXX, SC XXXX, refused to take the collection off of my credit despite being told and receiving a copy of the updated account balance. it has been over a week since they were contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I went into Wells Fargo XXXX XXXX to make a deposit on XXXX XXXX XXXX XXXX XXXX. I deposit two checks totaling {$120.00}. The teller accepted my two checks and asked me to confirm deposit on pin pad outside his window. I noticed the amount was correct and was getting ready to confirm and told him I wanted email receipt and he said wait a minute. He then touched his computer screen and said its ok now. I then touched the pad to confirm. After I got home I checked my email because it was unusual for them to say wait a minute and touch their screen. As a result I noticed my deposit reflected {$100.00} and said less {$20.00} cash. I immediately contact the XXXX number and filed a complaint. I asked them to review the footage and they will see the transaction on camera and noticed there was no cash back given to me. The bank sent me a letter that they had completed their review and did not give me back my {$20.00}. I contacted the XXXX office in XXXX XXXX and asked them to review the footage to confirm. I also contacted the branch XXXX XXXX XXXX and he was unprofessional and said no multi XXXX XXXX XXXX would review footage for {$20.00}. He was not concerned if his employee was stealing money from customers. i am a XXXX XXXX XXXX XXXX and I need my money. look at the camera is all that is needed to confirm this request. the bank only verify a tellers draw at the end of the day and see no overage and say there was no problem. If the teller put the money in his pocket obviously thee will be no overage in his draw. look at the camera the transaction was made at XXXX XXXX on the XXXX of XXXX at the Wells Fargo XXXX on 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 monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: NV

Complaint narrative:
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue. & I sent a letter to the company asking to verify that this account is mines. Its been more than 30 days I havent received any mail response. Just non stop phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief