vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
I received a letter this week from AvanteUSA stating that they are trying to collect a debt for {$1300.00} for XXXX XXXX XXXXXXXX for the date of service 11/26/19. They do not list who the patient was in the letter. They state that they have already attempted to contact me which they have not. On the letter it states that they are willing to settle for the amount of {$330.00} but this amount must be received in their office by XX/XX/XXXXXXXX XXXX XXXX The " current creditor '' is listed as XXXX XXXX XXXX, XXXX. They also said in the letter that due to the age of the debt that they " will not sue me for it '' but this account may continue to be reported to credit reporting agencies as unpaid for as long as the law permits ... '' First, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they went bankrupt in XXXX. I, nor any of my family members were seen at the XXXX  or any of their freestanding XXXX XXXX on this date of service. This was verified by our health insurance that we had at the time. 

I feel like this is a fraudulent debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. 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 2024-02-08 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TRANSCARD, LLC
State: VA

Complaint narrative:
Our children bought my husband and me a {$350.00} gift card to XXXX XXXX XXXX and XXXX in XXXX  as a XXXX gift XXXX. We tucked the card in a safe place for a time when we could enjoy an overnight stay at the nearby hotel and casino. We recently called to book our hotel stay ( I know, it took us a while to find the time! ) and we were told that the balance of our card was {$0.00}. I called Transcard ( XXXX ) to tell them there must be some mistake, but they checked and said the card did in fact have a zero balance. When I asked how this could be, I was told that the card was used to pay for a room in the XXXX XXXX XXXX XXXX for {$300.00}, and another charge was made at the front desk for {$17.00}. We have never been to XXXX XXXX, and the card has been in our possession the entire time, so I thought this would easily be cleared up. 

I filed a fraud complaint with Transcard, and received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : Based on the information available to us, we are not able to rule in the XXXX favor. 

I asked Transcard to please escalate this matter, because I was not satisfied with that answer. They did, and I received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : The card is ineligible for liability protection prior to the time it was registered. 

Neither explanation is acceptable to us, so I would like you to look into this matter for us. I have never had to register a gift card, and did not receive any instructions to do so. Clearly the account number was compromised, and someone was able to use it without our permission, knowledge or consent ( without having possession of the physical card ). 

I called XXXX XXXX in XXXX  ( where the card was purchased ) and they told me that I needed to contact the hotel in XXXX XXXX where the card was used. I called the XXXX XXXX XXXX, and they said that Transcard was a third-party company that the used to use, but no longer do business with. They said they have no way of seeing the card history, balance or transactions. They sent me back to Transcard, who continues to give me the run-around. I am hoping you can help me with this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
The recent revelation that XXXX may have falsely claimed to verify accounts while harboring inaccurate social security numbers raises serious concerns about the integrity of their verification processes. It is inherently contradictory and fundamentally flawed to assert accuracy in verifying accounts when the foundational information, such as the correct social security number, is incorrect. This situation not only jeopardizes the trust consumers place in credit reporting agencies but also underscores the potential for systemic errors that can have profound consequences for individuals seeking reliable financial information. The need for transparency, accountability, and stringent oversight in credit reporting practices is paramount to ensure the accuracy and fairness of the financial system for all consumers. 
How can you verify an account with the address the name which is also incorrect and the social security number which is incorrect. How can you get a verified account with the wrong information?????

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 2024-02-08 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: MI

Complaint narrative:
Experian, Experian XXXX, and XXXX continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian XXXX, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about 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 2024-02-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-08 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Someone pretending to be Express Recovery asked to speak with me and I responded with yes, then they confirmed my identity and I hung up when they tried to transfer me. Upon looking up the number I realized it was an impersonator and now Im worried they will attempt to authorize fraudulent charges using my voice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This account is over XXXX XXXX XXXX and the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I literally have not been able to use the Amazon Store Card website for years because it never accepted the password I knew was correct. I eventually gave up and would pay as a guest. Attempts at changing the password would not work because it used an old phone number and would not accept my updated phone number. I was finally able to get into the website after multiple attempts to change the password, and I updated all of my info : password, address, PHONE NUMBER. And yet, when I tried to login again, the website told me the new password it had previously accepted had too many characters. When I attempted to reset the password, it would ask for my old phone number for verification. To be clear, this old number had been deleted from my account when I updated my info. The website refused to text my new number, and requested my government ID to verify my identify, which I was not comfortable with sharing, given years of issue with the website. 

I called an agent for help. She sent me a bunch of links to reset my password. Link after link, the same issue happened. Every method she suggested was something I had already tried. I hung up and called again. The new agent sent me password reset links to my phone, literally four of them. I was able to update my password once after she sent me a specific code to use from her end ... and then, yet again, I was unable to login to the website. 

The website has been all but inoperative for years. Customer service agents are unable to do anything beyond sending links and temporary codes to login, and then the website will not accept your new information -- IF it even lets you login in the first place. 

I must repeat, it has been this way for YEARS. I gave up. When I tried to fix it, I was back to where I started. I am literally unable to log into the website to pay my bill, see my balance, or update my information. The password it accepted as an update is now rejected as having too many characters. Both agents I spoke with were audibly confused. If I want to update my information or payment methods, I must call customer service, fight with an automated system that barely recognizes responses both verbal and input, and then eventually get shuffled off to agents who know nothing about the system they are working with. This is incredibly predatory.

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> @ XXXXXXXX XXXX I initiated a wire transfer from XXXX to XXXX XXXX XXXX, for {$4500.00} to their Wells Fargo account. The funds settled according to XXXX, yet neither XXXX nor Wells Fargo have been able to provide proof that the wire transfer was received. I have attempted to recall the wire transfer through XXXX multiple times, yet Wells Fargo have not responded to the attempts. I visited a Wells Fargo bank in person and spoke with a manager. However, because the Wells Fargo account belongs to XXXX XXXX, they were not able to look into this issue and suggested I escalate this issue with XXXX. XXXX XXXX does not appear to have a customer service line to connect to any live individual. I attempted to call the dealership where I got the car, however they were not able to provide any information either.

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 2024-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The recent revelation that Experian may have falsely claimed to verify accounts while harboring inaccurate social security numbers raises serious concerns about the integrity of their verification processes. It is inherently contradictory and fundamentally flawed to assert accuracy in verifying accounts when the foundational information, such as the correct social security number, is incorrect. This situation not only jeopardizes the trust consumers place in credit reporting agencies but also underscores the potential for systemic errors that can have profound consequences for individuals seeking reliable financial information. The need for transparency, accountability, and stringent oversight in credit reporting practices is paramount to ensure the accuracy and fairness of the financial system for all consumers. 
How can you verify an account with the address the name which is also incorrect and the social security number which is incorrect. How can you get a verified account with the wrong information?????

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 2024-02-08 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: Kikoff Inc.
State: IL

Complaint narrative:
Kickoff Account XXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am looking at my credit profile and there seems to be a lot of INACCURATE information i need removed off my equifax report as i never gave anyone authorization for any of the following inquires. I have no idea what they are talking about. All of the following is fraud. XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023. I have tried to call some of these companies and they said it's best to talk to the credit agencies which is why I came here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong 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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: COLUMBIA BANKING SYSTEM, INC.
State: DC

Complaint narrative:
I opened an account with Umpqua Bank online mid XX/XX/year>. They have withdrawn the funds from my credit card to fund the account and they have been earning interest from my {$2000.00} since XXXX when I opened the account. However, access to the account has been frozen by their fraud department. Every time I call, I wait on hold for 2 hours. They tell me that I have to come into a branch to show evidence of me owning the card that I funded the account with. I am unable to attend a branch in person as I'm not anywhere close to a branch and don't have a car even if I was. I talked to a fraud investigator today and told them my situation. They told me I could email the documentation which I did 5 minutes later. Now when I call them they say they can't accept anything emailed. 

I'm at an impasse as I don't have access to a branch or means to get to one. They have my funds and are refusing to give me access to them. I am now unable to eat or pay bills.

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