vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to 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 non-monetary relief
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to 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 non-monetary relief
Consumer complaint received 2024-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
1. Inaccurate Payment History : The payment history reported by XXXX XXXX XXXX XXXX contains multiple inaccuracies. Specifically, the records for 2019 indicate the following : o XX/XX/year>2019 : 30 days past due o XX/XX/year>2019 : 60 days past due o XX/XX/year>2019 : 30 days past due This sequence is inconsistent and clearly incorrect. The fluctuation between XXXX and 60 days past due within such a short period is illogical and indicates erroneous reporting. 
2. Consecutive Months Reporting : In several instances, my account was inaccurately listed as 30 days past due for consecutive months. This erroneous reporting further substantiates the need for a thorough review and correction.

3. Illegal Re-aging of Account : I have evidence that XXXX XXXX XXXX XXXXXXXX has been engaging in the illegal practice of re-aging my account. This practice violates the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of accounts as it can unfairly extend the period that negative information remains on my credit report.

4. Request for Date of First Delinquent Payment : In accordance with the FCRA, I request the specific date of the first delinquent payment that led to the account being charged off. This information is crucial to ensure accurate reporting and compliance with federal regulations.

5. Request for Debt Validation : I am formally requesting a debt validation from XXXX XXXX XXXX XXXX . This request is made in accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect a thorough and documented response detailing the legitimacy of the reported information.

6. Methods of Dispute Validation : I request a detailed explanation of the specific methods used by Experian to validate my dispute and determine its validity. The quick resolution of my previous dispute raises concerns about the thoroughness and accuracy of your investigation process.

When i tried to get this information the agent got quiet and put her phone on mute. Check the call it was XXXX XXXX  and i called from XXXX you we not here the agent say bye or she was having phone troubles or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Dear CFPB, I need your help and I am writing to file a formal complaint against I C System Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX It has come to my attention that I C System Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, I C System Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. I C System Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. I C System Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. I C System Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. I C System Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. I demand that I C System Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if I C System Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against I C System Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. Thank you 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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is extorting me for payment of a debt that I refuse to pay them as I dont owe them anything. My obligation is to the original creditor, not a debt buyer and XXXX shared my nonpublic personal information with Midland Credit in which Im not consenting to. Midland Credit is being made aware of this so now they are knowingly and willingly involved in a crime committed by XXXX. There is no contract between Midland and myself and they are attempting to benefit from an agreement that they are not a party of. They placed a fraudulent account on my credit report. Midland Credit is committing unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of ID theft. I have reported my stolen IDs to the XXXX XXXX XXXX XXXX XXXX  XXXX. 
I had a open investigation with the account at Wells Fargo bank ( XXXX ) and I had reported a employee responsible for allowing strangers to sign checks and other acts of Fraud on my bank account that was opened XXXX. 
The employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX location. 
In XXXX the balance was paid and a way 2 Way savings account opened with a {$15.00} Balance. 
I think the act was a act to rescue XXXX XXXX from Investigation. Save her and the location from Disciplinary Action.

I live in fear.

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 2024-06-06 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear XXXX  and CFPB, I am writing to file a complaint agains

t Goldman Sachs Bank for engaging in fraudulent practices by charging both the merchant and the customer. I purchased a phone from XXXX, but after receiving it, I was not satisfied and decided to return it. The merchant did not respond to my email, so I submitted a dispute for the {$430.00} transaction from XXXX on XX/XX/year>, at XXXX XXXX. 

After that, the merchant contacted me and sent me a return label. I returned the phone, and XXXX received the item but required me to cancel the dispute before they could process the refund. I requested my bank to withdraw the dispute, but they did not take action for two weeks.

When I discovered that my account had been rebilled {$430.00}, I asked the merchant for a refund, but they informed me that the bank had already charged back the amount and that they could not refund me.

I contacted the bank again, but I received a notification stating that the dispute had been resolved and credited to my account. However, when I checked my balance and available credit, I found the amount was incorrect because Goldman Sachs rebilled the {$430.00} to my credit card and claimed the issue was resolved.

I have contacted the bank three times, twice via messaging and once by phone today, but the problem remains unresolved.

I request the authorities to supervise and address the corruption and fraudulent practices at this bank and help me recover the {$430.00}.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on 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 explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A wire transfer was sent by our Wells Fargo bank on XX/XX/year> in the amount of {$5500.00} to the beneficiarys bank in XXXX but after a number of unsuccessful traces, Wells Fargo has abandoned us that there is nothing that can be done and the recipient never received the money. 
Wire Transaction confirmation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please help. Thank 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 explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Account Name : XXXX XXXX XXXX Account Date : XXXX XXXX Account Amount : {$7000.00} Account Name : XXXX XXXX XXXX Account Date : XX/XX/year> Account Amount : {$940.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response.

Thank you Resolution I want the transactions blocked and deleted from my consumer 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 2024-06-06 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: TX

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report.

Please see attached files below.

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted XXXX three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time

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 2024-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CA

Complaint narrative:
I'm trying to reach Tesla regarding the lease of my new vehicle and am unable to speak with a human being. At every turn, I'm redirected to the Tesla App or some other AI-supported realm that does not address my questions concerning billing and amounts due after the completion of my last vehicle lease. Please help. I saw others online complaining of the same trouble.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Consumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was informed that an Accidental Disability product was added to my customer account without my authorization.

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 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief