vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc.
State: CA

Complaint narrative:
-Early in XXXX a notification was received from an entity self-identifying as ULG United Legal Group . A quick web search revealed a crudely constructed fake web page using clip art images and no valid license to collect debts in California for any permutation of ULG or United Legal Group. Judging this to be a fraudulent attempt to contact me I notified the DFPI. I did send a notification of dispute related to any alleged debt to the ULG entity as well on XX/XX/16 and again on XXXX. I never received any direct response in writing from ULG.

-Constant and excessive harassing phone calls from various autodialer/VOIP equipment started to occur around XXXX, the calls were in excess of 4+ per day and 10+ week and this pattern has continued constantly. The calls are coming from an overseas call center in XXXX it would seem and most of the messages forwarded by my VM service are unintelligible due to heavily accented attempts at speaking English. 
XXXX XXXX I received a response from DFPI indicating that ULG was a front for a company called ULRS , Inc. and a response from ULG was included. This response included several false statements including statements about their internal response to my notifications of XX/XX/16 and XXXX. Part of the response was that they stopped all calls and so forth in compliance with FDCPA guidance. This is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I attempted to log into my online mortgage account using my username and password. I received the two-factor text code and entered the number in the form as requested. I then was asked to call another number for a second authentication code. I called the number and when following the prompts I was disconnected. I called the number again and was disconnected again. I called the number again and this time just pressed XXXX to get a human. The person asked me questions that did not match with my history and said they were unable to confirm my identity, they did not ask for my mortgage account number so I suspect they had brought up someone else 's account. 

Today XXXX, I tried again and had the same results so I escalated by going in-person to a branch. The Chase Representative called the same number that I called and was also disconnected. Through escalating to other departments I was able to get a code but was told that I must not clear cookies or use any other device to access account. I explained that I don't want to only access account on a phone app but also on a laptop or desktop at home. I signed out and signed back in and was asked to call the dead-end phone number again so the issue is not resolved. 

The only available method for me to sign in to my mortgage account at this time is to go in person to the bank, explain the situation again to a new person, verify my identity, have them call their internal support teams, explain the situation, and get a code for me to sign in once on a single device.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I transferred {$10000.00} into the credit karma savings account. On XX/XX/XXXX, the money was showing as fully cleared and available. On XX/XX/XXXX I decided to move the {$10000.00} to a XXXX with XXXX XXXX XXXX. The money was deposited into the XXXX with XXXX  on XX/XX/XXXX. However, credit karma reversed the transfer, so now I will be getting a penalty in the XXXX with XXXX  for early withdrawal. When I asked credit karma why, they said it was because the savings account didn't allow withdrawals and I needed to open a XXXX  account ( checking account ). I told them I had made withdrawals from the credit karma savings account before, and I didn't want or need a checking account with them. It seems highly unlikely to me that no withdrawals can take place in the savings account. How would I get my money out if I need to use it? I decided to just close the account with them. You can see credit karma 's response to my inquiry below. 

I completely understand how important it is for you to know what is happening in your account. 

I was checking and I was able to find the transaction with the information that you provided me, I was able to see you're making this transaction like a " withdrawal '' from your savings account, unfortunately we can not do withdrawals from a savings account. 

You can try again the transaction with the following steps : Log in to your Credit Karma Money Spend account Tap Move Money.

Select Internal transfer.

Enter the amount youd like to transfer.

Select the account you want to transfer From and the account you want to transfer To.

Review the transaction details and make any edits as needed, then tap Confirm. 

If you need help linking an external account, check out our article, I am unable to link my external bank account to my Credit Karma Money account Please let me know if the issue is resolved, or if I can continue to assist you with anything else. 

Regards, Credit Karma Member Support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Im extremely disappointed after finding multiple inquiries from your company on my credit report that I never authorized. Theyre dragging down my credit score and causing serious problems with my financial plans.

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 2024-12-20 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-20 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone stole my identity and tried to open several accounts and wrote several fraudulent checks. Every company recognized that it was fraud and closed down the accounts. However, XXXX department store, shut down the first account that someone used fraudulently, as I asked them to, but XXXX opened a new account without my permission, and there were more fraudulent charges on that new account. I even talked to someone at XXXX who told me that they/ the people who stole my identity, purchased lawnmowers and other items on that account! I called XXXX and synchrony to dispute these new charges and also filed a dispute on the credit agencies, but XXXX would not shut down the account, even though they recognized fraud the first time. My credit score dropped XXXX points of the last XXXX years, damaged my credit and my ability to buy an home and they still refuse to shut down the account and remove it from my credit score. On Wednesday, XX/XX/year>, I filed another dispute with the credit agencies and it looks like it was updated today on XXXX, but it was not deleted from my credit report. There is an open felony charge on the person who stole my identity, which I attached to the credit report dispute. I also uploaded documents from the detective here in XXXX as well as from the United States postmaster general. I believe they are now in violation of the law by not deleting this from my credit report after supplying them with these XXXX documents ( attached here, as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone stole my identity and tried to open several accounts and wrote several fraudulent checks. Every company recognized that it was fraud and closed down the accounts. However, XXXX department store, shut down the first account that someone used fraudulently, as I asked them to, but XXXX opened a new account without my permission, and there were more fraudulent charges on that new account. I even talked to someone at XXXX who told me that they/ the people who stole my identity, purchased lawnmowers and other items on that account! I called XXXX and XXXX  to dispute these new charges and also filed a dispute on the credit agencies, but XXXX would not shut down the account, even though they recognized fraud the first time. My credit score dropped XXXX points of the last XXXX years, damaged my credit and my ability to buy an home and they still refuse to shut down the account and remove it from my credit score. On Wednesday, XX/XX/18, I filed another dispute with the credit agencies and it looks like it was updated today on Experian, but it was not deleted from my credit report. There is an open felony charge on the person who stole my identity, which I attached to the credit report dispute. I also uploaded documents from the detective here in XXXX as well as from the United States postmaster general. I believe they are now in violation of the law by not deleting this from my credit report after supplying them with these XXXX documents ( attached here, as well ).

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am submitting this complaint regarding an erroneous and damaging entry placed on my credit report by Wells Fargo Bank , N.A . Since XX/XX/XXXX, Wells Fargo has been reporting collection activity on a credit card account that was charged off and closed. This ongoing negative reporting has significantly and unfairly impacted my credit rating. 

Furthermore, Wells Fargo refuses to discontinue this practice despite the dubious nature of reporting collection activity on a charged-off and closed account. This refusal has left me in a financially precarious position. Compounding the matter, Wells Fargo has also declined to acknowledge that my Social Security number was compromised via a data breach, which has further exacerbated my situation. 

For additional context, my Social Security number has been subject to numerous breaches and Dark Web disclosures over the past year, as outlined below : XX/XX/XXXX : Data breach Social Security number compromised. 

XX/XX/XXXX : Social Security number found on the Dark Web. 

XX/XX/XXXX : Data breach Social Security number compromised. 

XX/XX/XXXX : Social Security number found on the Dark Web. 

XX/XX/XXXX : Dark Web activity involving my Social Security number. 

These breaches have exposed me to identity theft and related financial harm. Despite bringing this to Wells Fargos attention and disputing their continued reporting practices, the company has refused to take corrective action or remove the negative reporting from my credit file. Their inaction has caused me significant stress and financial hardship. 

I respectfully request the Consumer Financial Protection Bureaus assistance in addressing the following : Investigate Wells Fargo Banks continued reporting on a charged-off and closed account.

Require Wells Fargo to cease reporting collection activity on the charged-off account. 

Ensure that Wells Fargo acknowledges the impact of my compromised Social Security number and reviews the potential implications of identity theft in this matter. 

Direct Wells Fargo to remove the erroneous information from my credit report. 

This situation requires prompt attention to safeguard my credit standing and mitigate further financial harm. Thank you for your time and assistance in resolving this matter.

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 2024-12-20 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXXXXXX 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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Complaint : Midland Credit Management Subject : Escalation of Noncompliance Regarding Debt Validation and Lack of Response Creditor Information : Creditor Name : Midland Credit Management Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX Description of the Problem : Despite multiple attempts to validate the debt in question, including several formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and a complaint filed with the XXXX XXXX XXXX  ( XXXX  ), Midland Credit Management has failed to : XXXX. Provide a complete debt validation as required under federal law, including : Documentation to substantiate the debt. 
A breakdown of the original debt, including fees, charges, and payments. 
Proof of assignment or sale of the debt to Midland. 
XXXX. Respond to or address the XXXX  complaint, further indicating a lack of willingness to resolve this matter appropriately. 
XXXX. Confirm whether a 1099-C form was issued to report the charged-off debt as income for tax purposes. 
XXXX. Provide transparency about whether this debt was sold to other agencies, creating concerns about double-dipping or multiple collections on the same debt. 

This lack of response is a direct violation of consumer protection laws and has caused unnecessary stress and harm to my credit profile. 

Supporting Documentation : Attached : Debt validation letters sent to Midland. 
BBB complaint and lack of response records. 
Credit report showing Midlands negative account reporting. 

Declaration : I respectfully request the CFPB to investigate Midland Credit Management for noncompliance with the FDCPA and FCRA. Their failure to validate this debt and respond to formal complaints is unacceptable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
called the number on the back of the chase credit card only to get directed to a scammer who asked for all the data on the user me then tried to sell me a XXXX gift for XXXX when i suspected a scam he hung up on me number in the back of chase card is XXXX XXXX XXXX

Company response to consumer: Closed with explanation