vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
1.. Incorrect information including payments, balances or status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX ( of XXXX XXXX XXXX XXXX, XXXX XXXX, Florida ) defrauded XXXX XXXX of {$200000.00} as she was XXXX from XXXX XXXX and Wells Fargo ignored obvious check fraud. XXXX XXXX deposited approximately 15 checks for {$9900.00} over the three weeks. He used so many checks to avoid tripping the Bank Secrecy Act limits. 

Wells Fargo didn't halt the payments for violations of the BSA nor for obvious fraud. They didn't contact XXXX  XXXX XXXX ( where the checks were drawn ) or investigate the deposit of 15 check just below {$10000.00}. 

Wells Fargo 's lack of action enabled the Exploitation of a vulnerable adult. Exploitation of a vulnerable adult is illegal in Florida. 

I would like Wells Fargo to investigate this fraud and violation of the BSA and prosecute 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 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
On XXXX XXXX 2024 Portfolio Recovery. This a debt collection connected to a delinquent credit account from XXXX, reached out to my stepson in an attempted to collect the debt. Theres no way I would ever provide his number for contact in regards to anything financial. This resulted in my stepson contacting my wife and now well lets just say. I need to find a new place to live Please help. I think this was a blatant overstep in privacy and in result has caused a domino effect that has dramatically going to change my life. Credit has an a huge affect in the way of life financially. But this business over stepping the privacy laws needs to be addressed. I have a different account that they will no doubt try to reach out for, a larger amount and Im sure they have no regard for how it affects my family and myself. This is VERY CLEAR! Thanks for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The charge off has not been taken off my credit 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 non-monetary relief
Consumer complaint received 2024-11-17 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: MO

Complaint narrative:
I'd discovered a deleted item reinserted back onto my consumer report. This is a clear violation of Section 1681i ( B ) ( ii ) Notice to Comsumer. I was not notified in writing within 5 business days by the Consumer Reporting Agency. This is a clear violation of FCRA & my consumer rights. 

Account ; XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The XX/XX/2024 XX/XX/2024 I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed and dispute response/dispute was not done within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received an email stating that I owed PayPal money. I have only used them to send and receive funds from friends and family, so I thought there was an issue there so I paid the minimum due. I then opened my account to find a credit card had been taken out in my name and there were large purchases made. If I remember correctly, it was in XX/XX/year> and the purchases were for gaming and XXXX. I got worried when I saw this in XX/XX/year> and I reported this incident to their fraud department. They said they would look into it. 
They sent me a letter in the mail asking me to fax them some documents, which I did. Then I didn't hear anything about it and thought it had been taken care of. I just received a letter in the mail XX/XX/year>, and they said that because I did make a payment, they can not report it as fraud. This card was taken out with my maiden name, not the name I have now. The balance is going up as PayPal is continuing to add fees, but I did not open this card and I have never used it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I contacted a ticket agency but they provided a non function ticket and charged my CapitalOne credit card for {$1200.00}, we contacted them back they promised a refund and asked for another credit card XXXX XXXX they charged {$1000.00}. 0n the XXXX XXXX. But even that thicket was non functioning and also no credit on any was issued by the merchant, So we contacted bot credit card company. XXXX XXXX  immediately issued a refund. But CapitalOne only issued a temporary one pending further notice. We never received a notice and noted they in a month returned the charge to our credit card. We contacted the CapitalOne and they reissued the credit pending for " evidence '', so multiple exhibits were provided with explanation and sent to them within the time frame in XXXX. In XXXX they informed us they received it passed 60 days and refused refunding the card and decided to stay with the side of a fraudulent merchant. I called them and told them data was sent but they refused refund and told us to go back to contact the fraudulent ticket agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was stolen due to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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:
I recently reviewed my credit report and noticed an account that was not reporting accurate, I had two late payments on an account that I know for a fact I paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late. I've attached a copy of my credit report to this complaint on the following dates of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate the account and update to these accounts to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
These items were purchased by a third-party debt collector. These accounts must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by the third-party debt collector. As you can see by my attached supporting documentation and highlighted issues. This information is NOT CORRECT & NOT ACCURSTE. There for it must be DELETED IMMEDIATELY. 
Ive disputed these item multiple times and I never receive any information or change to my credit report. The result would show as Not Changed : Disputed information was verified as accurate. Which this is not correct. According to the FCRA, companies promise to report information that is accurate and complete and none of this is accurate, complete, or fair. 
Here is the account name and number for reference and incorrect amount also. 

CREDITOR : XXXX XXXX XXXX XXXXXXXX ( XXXX ) ACCOUNT # XXXX BALANCE {$1100.00} ACCOUNT # XXXX BALANCE : {$1200.00} ACCOUNT # XXXX BALANCE : {$290.00} CREDITOR : XXXX XXXX XXXX ( XXXX ) BALANCE : {$680.00} CREDITOR : XXXX XXXX XXXX ( XXXX ) BALANCE : {$290.00} How much did the collection companies pay for this item? I dont know neither does my credit report reflect this amount. This a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
I am not working with ANY CREDIT REPAIR COMPANY. For verification I have attached my license and a bill for proof. Please do not send me a standard INFORMATION VERIFIED EMAIL or LETTER. I am not asking for verification but showing you exactly what has been wrong after reportng multple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * MACYS/CBNA : Inquired on XX/XX/XXXX * XXXX XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have two loans that were taken out in my name but I never approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed or done within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit 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: PA

Complaint narrative:
On XX/XX/year> my car was stolen with my vallet in it. I had a cash app card in it. I had {$1900.00} of unauthorized purchases on it. I filed a dispute. Instead of refunding me my money, they canceled my account saying that I violated terms of use. I asked what terms of use did I violate and they didn't answer. I am asking for my money to be refunded as it was guaranteed by the term of use. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I XXXX XXXX received a pass due amount on my loan that I had no knowledge of I had gap insurance and to my knowledge the loan was paid off I get a 30 day late charge saying that I owed a additional XXXX which at the time I submitted the payment through my bank account once I knew about it I dispute d this charge and they still refused to take it off of my credit I have always paid my account in full so it was no need to delivered put this on my credit my question is if this was so why wouldn't I pay a XXXX and have paid every month make this make sense to me I want this taken off of my credit report and cleared in good standing, first of all I never knew about and outstanding balance why didn't I receive a call, email, are letter reaching out to me if it was a additional charge that gap didn't pay please get this corrected ASAP thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As these accounts were fraudulently opened, I am requesting their immediate removal from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 sec602 states I have the right to privacy 15usc 1681 sec 604A sec 2 it also states a consumer reporting agency can not furnish an account without my willing instructions under 15usc 1666B a credit company may not treat a payment on a vehicle under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I canceled my car and homeowners insurance from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I keep on getting a bill from credit collection company saying I owe XXXX XXXX. I have sent them the declaration page from my new insurance. The collection company is selling a final notice. For money I dont owe them. I disputed bridge over insurance XXXX didnt cancel my policy till XX/XX/XXXXXXXX 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The estate that I'm the authorized representative is a victim of fraud, identity theft, birthright theft, and XXXX XXXX  Around XX/XX/year> I received a foreign bill of attainder from XXXX XXXX acting as CEO XXXX XXXX XXXX. dba XXXX XXXX XXXX. I sent XXXX XXXX a dispute requesting the original wet-ink signature contract and all accounting bookkeeping records, what specie of payment. I never received any of the information, XXXX XXXX then contracted with XXXX XXXX XXXX XXXX XXXX to move forward with a non-judicial foreclosure and I'm now being harassed by XXXX XXXX dba XXXX XXXX. for the estate property.

Company response to consumer: Closed with non-monetary relief