vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am reporting big fraudulent charges on the fraudulent Wells Fargo credit card account with my name, the card ending in XXXX. I have been living in central Illinois near 18 years now. Unfortunately, recently my identities were stolen by a thief in Florida. I received a Wells Fargo bill statement of credit card ending XXXX on XXXX XXXX, 2022. I never apply for or have this credit card account. The statement shows big fraudulent charges of a total {$5900.00} including major transactions in Florida. I called Wells Fargo right away to report this fraud problem. But yesterday I received an attached letter from Wells Fargo which denies my fraud claim. I had to call Wells Fargo again to ask detail checking and investigation about my claim. I spent over XXXX hour to spoke to XXXX different representatives but no good answer so far. I had reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, Illinois. I also filed an Identity Theft Report to FTC, and enclosed copy here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on equifax and account number of XXXX XXXX is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I wasnt served a summons properly. I went to the courthouse and explained it to them because I didnt want to lose by default. Nothing happened with this court and I had not validated the debt. I was told I would be receiving something by email which I never did. I received a letter in the mail stating I was about to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Due to covid from 2019 going forward i was unable to manage a car payment. I didnt know that by giving the car up they would process it on my account when I was able to make arrangements once I found a job when I gave the car up they sold the car at the auction for close to {$3000.00} they didnt apply that balance to the loan so now its like Im back paying for a car from its original payment. I should not be responsible for paying the amount that I purchased the car for what type of unnecessary fees through Westlake financial services they have taken me to court and try to make it seem like they didnt sell the car on top of the mega payments, and still XXXX on saying that I owe almost {$6000.00} that has been reported to the credit. They also offered me to pay {$1000.00}, but they want it all at once and I afford XXXX that I was not able to give it to them all at once. However, I can break those payments up because I had just begin working again. They stated that they can not take the XXXX dollars then out of nowhere I receive a letter in the mail for Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting act can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
After trying to use Moneygram for the first time, my transaction was denied and my account closed, and have been unable to get any help from customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter out on XX/XX/2022 to Experian. Here is my Report number : XXXX. However, The credit bureaus said they completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a consumer creditor or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity BankXXXX XXXX XXXX is always " down '' which prohibits my ability to pay online or via the company 's phone app. When I try to make a phone payment they rarely answer the phone and on the off chance that I do get a live person, I explain to them the technical " glitch '' ( this is a direct quote from their website when you try to log in ), I haven't been able to make a payment. The customer service rep on the other end of the phone shows zero interest in this problem and just wants the money. I believe this is a scam to collect late fees. This specific company also has a term in their " terms and conditions '' that you are approved a " much lower APR '' than what you would normally get but " repeated instances of late or non-payment will result in the APR increasing '', this increase is pushing 30 %!!!! If the company doesn't want me money, that's fine, I shouldn't have to chase down a creditor to pay what I owe them. The flip side to this is that I have voicemails on my phone where the company calls me to collect because, obviously, payments are late and these calls are made at very odd and inconvenient hours, usually between XXXX and XXXX. This problem needs to be corrected or they need to relinquish their accounts to another creditor that can handle the business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This company is a XXXX XXXX posing as a credit card company. Read the reviews/complaints dating back to XXXX  and before. 

Their return address is a XXXX XXXX XXXX Probably located in back of XXXX  in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Experian/XXXX  released my report without my written consent and violated my federally protected rights XXXX XXXX is using my identity and saying I owe them 15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to 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 non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted the company to remove the old account off my report I have a new agreement and XXXX tthisold agreement off of my report so I can apply for things I need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted the company to remove the old account off my report I have a new agreement and dean tthisold agreement off of my report so I can apply for things I need

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted the company to remove the old account off my report I have a new agreement and dean tthisold agreement off of my report so I can apply for things I need

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My personal car was broken into and personal information was stolen. information included I.D, social security card and birth certificate on XX/XX/XXXX. A police report was filed and 2 days later I froze my credit score and placed a fraud alert on my credit. The thief, however, was still able to open a credit card and account with XXXX XXXX XXXX  and over-drafted the card for a total of {$620.00} with my personal information. The thief also used another address and phone number to open this account. An address and phone number I've never had or seen in my life. I currently have a XXXX credit score because of this and all three credit bureaus are reporting the account on my credit report as " charged off ''. I'm trying to get the XXXX XXXX credit card account removed off my credit report and move on in life. I've opened investigations with all three credit bureaus regarding this matter and have also opened an investigation with XXXX XXXX on XX/XX/XXXX. I submitted a digital copy of the police report to all three bureaus on XX/XX/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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocky Mountain Capital Management
State: AR

Complaint narrative:
To Whom this May Concern, Rocky Mountain Capital Management is illegally furnishing inaccurate information on my consumer report. I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. 

Be advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place. 
You have 5 days from todays date to remedy this alleged debt. 
Please do not contact me if it does not pertain to this matter at hand. 

Best Regards, Without XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XX/XX/XXXX TransUn ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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