vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If you believe i received proper notification please send me the certified receipt with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Per the IRS, a lender ( Wells Fargo ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has Wells Fargo failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balance owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy.

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 2024-03-08 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
H & R accounts continue to call my phone number, now they are sending text messages i requested any and all information to be send via the address they have on file of which they have not done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX 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 2024-03-08 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: NY

Complaint narrative:
I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: DriveTime
State: TX

Complaint narrative:
XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the XXXX code, XXXX and IRS documentation to update the debt payments on my credit report. 
They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.

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 2024-03-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
i have been with FDR since XX/XX/2022. Since then they have collected {$4300.00} which i belive was mismanaged. i had active XXXX settlements but when i called to change my withdrawl date to align with my pay date my settlements were cancelled. i called and spoke with a supervisor and was advised they would pull the call and if the rep didnt advise that my settlements would be cancelled, everything would be reinstated. i havent heard back from this supervisor ( that communicated thru XXXX XXXX ). i called again and spoke with XXXX whom asked for her to lookinto this and never got back to me. I called again and spoke with XXXX XXXX whom was going to look into this. She did get back to me and had one account reinstated. When i looked into how much money was taken and questioned the fees, she advised there was an error and would fix it. i also asked for an itemized statement to which went unanswered. This process was over a months time. i now called to cancel the program as not one supervisor has followed up. i was advised upon termination that they would take out their additional funds and refund the balance which looks lik {$95.00}. Even if they charged me for the settlement fees of 25 % it would come to {$2200.00} which was supposed to be taken over time. so a year and a half later, i am {$4300.00} further inthe hole, not one settlement completed but the company made a nice profit off of me for no services completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: AZ

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-08 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They have a block on my credit file. Asked me to send in the documents in which I did. And everytime I call their requesting the same documents stating theyre not clear. In which I know they are. The documents that are sent I are in color and is presented clear as day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
In a previous complaint submitted on XX/XX/2024, CFPB # XXXX I addressed and mentioned along with other items that there are two names listed on the statement of the alleged debt that they sent to me. The names of XXXXXXXX XXXX XXXX XXXX. To be more specific, we are divorced and according to the original contract agreement for the alleged debt which I requested a signed copy and did not receive from Pressler, that if it is a joint account, both parties are responsible. Pressler is only sending to my attention correspondence and legal documentation. I am specifically requesting that per the original contract agreement, that XXXX XXXX XXXX with this collection process. 

The original contract states the Right to Arbitration and I am also requesting that be enforced. 

Both of these items were listed in the original complaint and were not responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
I have advised them multiple times that the doctors did not bill this correctly per my insurance and they refuse to fix it so this that is not correct and not valid and I am not responsible for other people 's mistakes. I want this debt erased completely or heavily discounted as this is not my error and I have been trying to fix issues with a provider and with the insurance for years and nobody will help. Not my fault as I have no controls over their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX 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 2024-03-08 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: VA

Complaint narrative:
I filed a dispute with Experian Credit Report regarding an inaccurately reported late of {$100.00} payment for an account with Comenitybank/eddiebaur. This account had created a duplicate account for me and as a result, I was not notified of a charge to the existing account that was marked as overdue in XXXX of XXXX. As soon as I was made aware, I immediately paid the debt and straightened things out with XXXX XXXX on XXXX My credit score was subsequently reduced by Experian. I made multiple attempts to file a dispute in XXXX and XXXX of XXXX. I also contacted XXXX XXXX and asked them to inform Experian of the reasons for why my payment was missed. Experian continues to use this supposed late payment as a negative factor to my credit score and they will not update their records to reflect.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
XXXX XX/XX/2024. 

The Manager/Director Credit Card Department XXXX  , Account Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone : ( XXXX ) XXXX Dear Sir/Madam : ( RE : Card # : XXXX ) I am writing in reference to the above credit account number. I hate what you did to my account and demand an action from the Consumer Financial Protection Bureau ( CFPB )!!! I was always on time with my payment, not a single payment was missed over the years, and I complied with the Terms of Agreement and Disclosures. But you, a XXXX Credit Card Company, decided to impose recent changes by raising my Interest Rate ( APR ) at skyrocketing rate of XXXX  % & XXXX % fixed rate effective XX/XX/2024 and added an account Maintenance Fee of {$5.00} per month and then asked me to either reject or accept the NEW terms. And if you reject, the account will be closed. XXXX XXXX XXXX  Analyze that and see if the customer is and will be better off either way. There is NO WAY!!! These CREDIT CARD Companies are truly XXXX XXXXXXXX!!! 

Since you already closed my account and had impacted my Credit Score downwards, I want you to lower my interest rate to XXXX % ( fixed ) and I will continue to pay at that rate over the years until paid. I am committed to paying my debt ( like a Debt Management Program ) at that lower interest rate ; but NOT the fixed XXXX % or XXXX9 % as you had imposed in a usurious ( XXXX  ) way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2024 {$5000.00} wire sent to Fifth Third client account number XXXX OPF number XXXX XXXX XXXX XX/XX/2024 {$5300.00} wire sent to Fifth Third client account number XXXX XXXX number XXXX XXXX XXXX Wires were held at this bank for over a month before I was notified that the client was ineligible to receive them. 
Then, his account was closed, and this bank told him that my bank had to request the funds be returned. They did so on XX/XX/2024. 
As of XX/XX/2024, my bank ( XXXX XXXX XXXX XXXX ) confirmed that Fifth Third has not responded to the wire cancellation request. 
Calling Fifth Third yielded no assistance other than telling me to go through my bank, as they can not provide any other information.

Company response to consumer: Closed with explanation