vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion will not allow me to dispute information on my credit report without charging me. I have opened tickets with XXXX and XXXX without a charge. XXXX and 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Rent Bureau Please see attached : - Experian Rent Bureau credit report order form filled out and signed - My drivers license, social security card, and mailing address I am requesting a copy of my Experian Rent Bureau report.

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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
There is a collection account on my credit report from " CHARTER COMMUNICATIONS ''. I tried calling the company directly and they were able to confirm that this due amount is for services provided at an address that is unknown to me as well as a different phone number than mine. I have never requested any services from either Charter Communications or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been dealing with fraudulent charges on my Macy 's account since 2019 and they have refused to settle the fraudulent charges and remove the delinquency from my consumer credit reports. These charges are documented in a police report and several notarized Identity theft affidavits.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 1681 XXXX XXXX : acc # XXXX, XXXX  XXXX : acc # XXXX, XXXX XXXX  : acc # XXXX, XXXX XXXX  : acc # XXXX, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Smith, Cohen & Rosenberg LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, is not responding

Company response to consumer: Untimely response
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I made a purchase through the CapitalOneXXXX shopping portal on XX/XX/2023. This purchase promoted 30 % cash back for the purchase of a XXXX XXXX XXXX XXXX XXXX Upon completing the purchase in the amount of XXXX pre-tax, or XXXX post tax, I was not given credit within the promised 90 days post purchase. I made this purchase and was given a shopping trip number of XXXX XXXX XXXX  After multiple attempts to contact CapitalOneXXXX I have received no response back from their support email that is suggested as their only method to contacting their customer service. No phone number is given for this site which is operated by Capital One, N.A.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage account # is XXXX. There is a pending foreclosure sale date of XX/XX/XXXX and I never received notification of a sale date. I have not been able to reach anyone on the phone regarding it. There are several payments made on my account. Some made by me and others I am not sure. It was proven back in XXXX when XXXX XXXX XXXX/Carrington Mortgage requested Relief from the automatic stay and was denied due to bad record keeping. No one could explain these payments nor has the mortgage company updated the balance to reflect the payments made on the account while I was making payments during my XXXX XXXX bankruptcy. I was told the balance would be corrected once the bankruptcy was complete. We were unable to keep making the bankruptcy payments and unsure if the payments were ever corrected. We were denied under XXXX and the mortgage company fast tracked a modification raising both the interest rate and the monthly mortgage payment. Unfortunately, I am illiterate when it comes to the legal jargon placed in front of to sign when I am desperate not to be placed on the street with a XXXX husband and XXXX children under XXXX. I have all of my documents. Even those from which I believe to be prior fraudulent loan modifications I signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. XXXX XXXX IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: WI

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
A personal check from my bank BMO was written to XXXX XXXX to pay to balance ( amount written {$130.00} ) was put in a U.S. Mailbox. Later that day the Mail was Stolen from the mailbox. Whoever stole the Mail then took the check to XXXX  XXXX, Bleached the check, changed the " Pay to the Order '' portion, Changed the Amount portion to {$4400.00} along with the written amount. The Check was then presented to XXXX  XXXX XXXX and Cashed. Obviously, {$4400.00} was deducted from the checking account at BMO bank. I was not alerted to this happening until XXXX XXXX notified me my " Payment '' was over due. I notified BMO bank and they then notified me that, that check in the amount of {$4400.00} was deducted from my checking account.. A stop was put on my checking account and the account was closed. I also filed a Police Report and an " Affidavit of Forged or Altered Check '' was filled out. This took place on XX/XX/2023. All of this was done with XXXX XXXX - Personal Banker CB with BMO Bank branch office XXXX, IL Several office visits have taken place, at least 30 phone calls have been made, most unanswered. The latest information from BMO bank is that the Check was Cashed by XXXX  XXXX XXXX and that they have admitted to cashing the check. However NO Funds have been creditted 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 2023-07-31 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: Block, Inc.
State: NC

Complaint narrative:
My identity was stolen, several credit and debit cards were skimmed and fraudulent charges were made without my knowledge, consent, or authorization. I filed a police report and have a notarized Identity Theft Affidavit and Cash App is refusing to settle the fraudulent charges that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: GA

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
Please validate this debt because : * I would like debt validation on this account, as requested. 
* I have not made any payments on this alleged account that would have reduced the balance. 
* I would like proof of how these alleged payments were made. I believe the reporting is false and an attempt to keep this account active on my credit report. 
* I would like an explanation of how any increases were calculated on this alleged account. 

Based on the reported activity, it seems that IQ Data International Inc may be updating this alleged account to keep it active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
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 2023-07-31 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:
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 2023-07-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bought a coffee maker advertised for {$20.00} made in XXXX by XXXX with delivery on XX/XX/2023, after paying they changed delivery date three times to XXXX and XXXX and said its coming from XXXX instead of XXXX, then changed sold XXXX instead of XXXX, I asked to cancel it right away, they failed, I said that I am no longer interested on it. Chatted with XXXX XXXX another liar. 

Tried to reach Capitalone, online they make it impossible to initiate a dispute, and they ask to be called, calls are not answered, when answered they say either to busy or they will return a call which never happens, making impossible to dispute a charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I was texted and called from Wells Fargo 's phone number from a scammer who had my online username, full name, phone number and bank account balance. I was told my debit card was declined at a XXXX XXXX in Texas and asked if I had authorized this. He then said there was a wire trasnsfer of {$4000.00} initiated and asked if it was authorized. I, of course, said no. I was then sent several verifcation texts from Wells Fargo 's phone number and was asked to text my password as well. This ended up being a scam. The scammer trasnferred {$4000.00} ( plus wire fee ) of of my checking account. I called Wells Fargo while it was pending and asked them to reverse/and or freeze the transfer. They said that they would initiate an investigation and let me know in about 10 days what they had concluded. Despite this being a fraudulent, unauthorized transfer, they have sent me a letter denying my claim. If the bank is federally insured, why am I not getting my savings back?

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 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
They call from many phone numbers. XXXX XXXX sometimes its a women 's voice automated, sometimes a man 's. Commenity Bank. They call a few times a day 7 days a week.

Company response to consumer: Closed with non-monetary relief