vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second attempt to have my credit report corrected. Items were verified or validated that I didnt seek validation on. They are violating my consumer rights.I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am keeping all correspondence to use as evidence of willful violations with intent to seek litigation for $ XXXX per violation. these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is defamation of my character. I will seek litigation after this attempt.

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 2024-04-23 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: EQUIFAX, INC.
State: IL

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 has violated my rights. Or a 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 2024-04-23 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: Experian Information Solutions Inc.
State: IL

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 has violated my rights. Or a 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 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, my Wells Fargo checking account was used fraudulently. My debit card was " shimmed '' and copied, used to make 2 ATM withdrawals, {$540.00} and {$400.00}, and a transaction for XXXX. This all totaled {$2900.00} in fraudulent use. Wells Fargo texted me asking if the transactions were valid and I responded, " no ''. I immediately froze the account when I was notified of the transactions and disputed them with Wells Fargo. Wells Fargo responded that they " found it was made by me or someone that had my permission. Please consider the claim closed. '' I spoke with the debit card fraud department at the bank who said to me they couldn't reverse the transactions that were made fraudulently. 

Here 's the 3 transaction I didnt make. They appear on the statement on XXXX but they were made on XXXX. 
XXXX {$2000.00} USPS XXXX XXXX XXXX XXXX {$540.00} Wells Fargo ATM XXXX XXXX XXXX {$400.00} Wells Fargo ATM XXXX XXXX I am also including a photo of my police report case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Spoke to XXXXXXXX XXXX XXXXXXXX Cust. Service she stated they did receive mortgage payment XXXX XXXX XX/XX/2024, amount {$3100.00}, she didn't see a pre-foreclosure, or a foreclosure sale scheduled. Called back XX/XX/2024 spoke to XXXXXXXX XXXX XXXXXXXX Loss Mitigation she stated a referral was sent to XXXX XXXX for foreclosure, there is no foreclosure scheduled. XX/XX/2024, called back 3rd time Transferred to XXXX XXXXXXXX XXXX XXXXXXXX requested the portal be corrected on my account from showing error when I trying to make my mortgage payment online in the portal attached to my account. Requested escrow shortage amortized over 60 months several months ago have not received a response. She stated they didn't see the letter to amortize my escrow shortage. Advised I should resubmit it. I have been given information on my account that was different and misleading each time I spoke with SPS servicing team. 

SPS LN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. 

They sent me a physical Affidavit of Identity to verify my identity - that took them over 2 weeks to send I filled out the Affidavit and returned it. Marcus has told me that they received it, but it has been almost 4 weeks since then, and they still refuse to approve my withdrawal because they are taking their time to process the Affidavit ( literally 1 piece of paper ) Today I finally called to insist force-closing my account, which I have requested in the past. Force-closing is a common solution that many people reported feasible on the internet. However, Marcus did not allow that to happen for the past 2 month untill today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
On XXXX XXXX I looked t my report, and noticed some things are incomplete and inaccurate. And according to the fair credit Reporting act whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX  : # XXXX, has violated my rights. 


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 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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, A rep from Chase bank called me to alert me about potential fraud. I spent about 30-45 minutes on the phone. After I kept being put on hold, I immediately hung up and waited for my local branch to open. I went o Chase Bank in XXXX XXXX Ca and spoke to XXXX XXXX. I have had over 10 visits since then trying to revolve the {$500.00} electronic wire fruad that occurred. I believe this was an inside job within Chase. I have never received any true letter of an investigation. Chase has the nameof the bank that received the wire ( XXXX XXXX  XXXX XXXX ) and person who did this wire. I have Never initiated a wire with Chase in the entire time I have banked with them. They told me no one would respond from XXXX XXXX. Then name of the person who received the funds is listed. There was NO action to assist me from Chase Bank. I sent letters, copies of my call logs where the number says JO MORGAN CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX Today we were preparing to make two monthly car payments each being {$320.00} and then pay the remaining {$29.00} that remained from the amount the Regional Acceptance automated system stated we owed which was {$10000.00} on XX/XX/XXXX, and we paid {$1000.00} Mailed XXXX signed Delivery on XX/XX/XXXX. 

Yesterday there was a stack of duplicate billing statements received that totaled about XXXX. ( We have included a copy of one of the 15 duplicate billing statements received a few days ago and the audio from the Regional Acceptance Automated Billing system dated XX/XX/XXXX. 

All 15 duplicated billing statements state the same fraudulent billing information. Take for example. All 15 billing statements received on the same day show a due date of XX/XX/XXXX with a date at the top of their billing statement that says Notice date XX/XX/XXXX. 

This billing statement now states that after stating according to them that I had a past due in XX/XX/XXXX of {$10000.00}. I still have an additional past due amount of XXXX due XX/XX/XXXX on the same date of {$10000.00} in which we paid {$1000.00} on XX/XX/XXXX. 
This is untrue. We owe for XX/XX/XXXX and XX/XX/XXXX is not due yet not until XX/XX/XXXX. 

My last five previous payments beginning with the most recent are as follows. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX # XXXX XX/XX/XXXX {$410.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$390.00} I want Regional Acceptance to correct and update the due date on this account, show the interest rate and the correct past-due balance if any, and stop backdating the due date to XXXX and then placing a current date at the top of the duplicate billing statements they are sending out this is unprofessional, illegal, and harassing to receive so many billing statements at once. 

They send so many statements at once that the lid on the mailbox cant close without force from the mail carrier. 
Thank you in advance for your attention to 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 2024-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
IC Systems incorporated a 3rd party collection company, filed a delinquency on my XXXX credit file, this company contacted me via phone a few years back in XXXX over a XXXX XXXX bill, i both verbally and in writing notifed them i do not recognize them and send it back to XXXX, I did not owe a dime. I cancelled my monthly contract in XXXX of XXXX, the last payment was paid via electronically in XXXX, the cable company, in XXXX still continued to bill me for a service disconnected in XXXX, I had equipment due to no location to drop off or send, they did not puck up from home, I finally dropped the gear off in XXXX at a wireless location, and was given a receiit of return and balance would be removed, a few month 's later i got a new bill from XXXX, I called they said it would be removed when acct updated, in XXXX i received calls from a collection co not above, this company is a followup, they have never sent me anything supporting info of alleged debt from XXXX, I called and reported XXXX  to state atty generals office in XXXX, this alleged debt us not valid and fraudulent in charges, IC Systems has violated my rights under Fair and accurate reporting act and are to be both fined and sued by my attorneys, today XX/XX/XXXX I spoke with XXXX, they as expected referred it to fraud team, a department that over 3 yeara has yet to contact me or update account to a {$0.00} balance, this reporting has caused a drop from my prior score of XXXX down to XXXX, due to 1 negative account reported, fraudulently as a recent debt in XX/XX/XXXX, blantant fraud the acct was closed in XX/XX/XXXX by myself directly with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NJ

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX  inquiry date XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2024 : I sent a letter to Midland Credit Mangement located at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA In this letter I have apparently 2 Debts that I owe to Midland Credit Mangement : 1. XXXX XXXX  {$270.00} 2. XXXX  XXXX Bank {$680.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( Midland Credit Mangement ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. Midland Credit Management has failed to provide me with the required documentation requested and has only sent me a billing statement to both of the alleged debts which is in direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

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. 

ABILITY RECOVERY SERVICES , LLC I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me

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 2024-04-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have raised a Dispute with Experian, XXXX, XXXX for a closed XXXX XXXX XXXX XXXX account XXXX with XXXX XXXX XXXX The Creditor ( XXXX took over XXXX XXXX XXXX  relationship with XXXX XXXX XXXX XXXX ) has no record of a credit card account for XXXX ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : Experian, XXXX, XXXX. 

Experian - Online Account : XXXX XXXX XXXX XXXX, XXXX XXXX Experian - Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Online Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX - Online Account : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX - Credit Report : 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We can call and get no call back, they aren't willing to work with us. My husband who's is the veteran had to have XXXX XXXX XXXX XXXX last year and in XXXX we found out I have XXXX  XXXX XXXX XXXX and had to have XXXX in XXXX and now have to go through XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( XXXX ) Exclusions. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete. 

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( XXXX ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/NetNet ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.

Company response to consumer: Closed with explanation