vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have inaccurate debt on my TransUnion account that is only on Transunion and not on XXXX nor XXXX which is clearly violating the f.c.r.a 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I dont have XXXX  XXXX account I have previously asked for the original contract with my signature validating that this is my debt which hasnt been given to me in a timely fashion. I have also contacted the XXXX  about this situation.XXXX  XXXX XXXX  the company has sent letters stating the debt is validated however, I have not got a diagnostics or explanation to how the investigation was had to get this determined. They are also violating my right with the f.c.r.a 15 U.S. Code 1681i that states item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller so i need these items temoved immediatly thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: EQUIFAX, INC.
State: MD

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
Not my account

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 2024-06-15 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: OH

Complaint narrative:
This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). 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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
after requesting disputes with merchants, specifically a company called XXXX. Which performed an oil change incorrectly and overfilled the oil on my engine, causing damage and more money to be repaired at the XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  during a road trip. I went to XXXX after two document the mishandling of my vehicles oil service And it clearly indicated that it was overfilled by an extra quart. Chase sided with the merchant because service was authorized regardless of my dissatisfaction and the overall unsafe practices by the Service Center, XXXX. I reached out to XXXX. They never responded hence why I decided to dispute the service charge. Chase decided to close my account based on a pattern of abuse and this was from their fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
My name is XXXX XXXX and I have lived at XXXX XXXX XXXX XXXX  XXXX Florida XXXX for XXXX  years, where I have maintained XXXX XXXX XXXX XXXX for several years. I also have my parents ' apartment where I have the same service at XXXX XXXX XXXX XXXX XXXX Florida XXXX. The payment process has always been perfect, up to date and automatic in both accounts for years and without any problems ( Verifiable Information ) However, Approximately XXXX years ago, an unauthorized XXXX XXXX XXXX fraudulent account was opened in my name in XXXX, Georgia where I have never even been to visit. Despite providing evidence, such as police records and other documentation, to demonstrate the unauthorized nature of this account, it appears that it is not in their best interest to accept this reality. The fraud Department of XXXX XXXX XXXX has not adequately investigated the matter. This is the XXXX  case and now the Company Radius Global Solutions, which I do not know and have never made a contract with them, on behalf of XXXX XXXX XXXX, have reported a new Collection account in the XXXX Credit Bureau, which has caused me great damage and frustration. It is unacceptable that XXXX XXXX XXXX is neglecting its responsibility to address this issue promptly and accurately even by showing you all the evidence that it is not mine. No matter how much I talk to the XXXX XXXX XXXX XXXX department, they don't want to listen to me, they leave me on hold for XXXX hours and hang up on me. As a citizen... If there was any law that protected me and if someone investigated these types of acts they could find the truth, I am a single woman and I keep all my payments up to date with a lot of sacrifice to maintain and take care of my credit and it is very unfortunate that these type of acts affect my credit score because it is something that can continue to repeat itself which will affect me in various ways in my future. I really hope someone here can help me. Thanks in advance. 

Account information : XXXX XXXX XXXX  # XXXX Radius # XXXX XXXX Police Case Report # PD XXXX Radius Global Solutions Phone # XXXX XXXX I spoke with XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

Original Acc XXXX XXXX XXXX - XXXX The service was connected in.. 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Open : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance - {$560.00} Thank you very much for your time and 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2024-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received the email saying they were going to help me with my credit and I'm not the smartest person in the world I fell for giving out my bank information they said they were going to help me build my credit up and they told me that they would put money in my bank and then buy gift cards and give him the numbers which I've never heard of this till now and I called my bank and talked to them and they are closed on the weekends so I'm just recuperating back what they stoled or whatever happened because now I'm negative in my savings I find that weird because I thought they would probably take it out of my checking. I don't know what to do I'm just very lost and confused

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 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I am not aware of an account open under credit corp solutions or debt owed to this company. 

Company is attempting to collect a debt in the amount of {$620.00}. 

Originally the debt collector reported to the credit bureau that I owed {$620.00} to XXXX XXXX, upon disputing, they corrected the original creditor to credit corp solutions in which I do not have an a account or aware of any debts owed to either parties for said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXXTHIS CLAIM IS AGAINST WELLS FARGO. '' Wrongful Foreclosures, and incorrect fees and interest charges. " * Loan Name : XXXX and XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX Ive contacted Wells Fargo '' to be compensated for Wrongful Foreclosures, and Incorrect fees and Interest charges. I have requested Wells Fargo to be compensated for their fraudulent actions that took place in XXXX, Ill Explain and document that my statement below is true and correct. 
When I contacted them recently, [ XX/XX/XXXX ] I discovered the courts found them at fault. They destroyed my documents and denied me compensation. Im now filing a complaint with XXXX for assistance in this matter. 
XXXX. In XXXX my former wife filed for divorce and bankruptcy she was named on the loan. When she filed for bankruptcy individually, she listed the Wells Fargo mortgage as a secured debt. 

XXXX. In XXXX, I requested them to refinance the mortgage in my name, since I did not file for bankruptcy and had excellent credit and substantial income to refinance the home in my name. 

XXXX. In late XXXX, they accepted my request, pending getting my wife to file in XXXX XXXX, Georgia a Quit Claim Deed, she did, and I sent it to them along with my refinance paperwork. My wife and I have lived in this home since XXXX [ 14 years ] I was never late on any payments. Months have gone by. Instead of approval, I received a response from them for refinancing they filed a foreclosure against me without my knowledge. It wasnt until I received the Notice of Foreclosure that I was made aware of their unilateral decision not to grant my approval, with no explanation. 

XXXX. I bought my home with my wife in XXXX for {$220000.00}. The market price was {$420000.00} and I owed substantially less. I hired an attorney to assist me legally in stopping the foreclosure action and was unsuccessful in an action that cost me thousands of dollars in legal fees. Their actions were to defraud me out of the equity in my home that I had built up and to pocket the difference. 

XXXX. In XXXX, they sold my home on the steps of the county [ XXXX ] courthouse and pocketed the difference. They defrauded me of my built-up equity, and the cost of legal fees, when they had no intention of refinancing my home. 

XXXX. In late XXXX their actions spiraled me into financial ruin. I had no money to fight them in court, any more and had to declare bankruptcy to protect myself against further losses because of their actions. 

Not until now, have I recognized that I had a recourse to recoup my losses for their fraudulent. I pray for the XXXX to help me in this action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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:
In accordance with the Fair Credit Repprting 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 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 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 2024-06-15 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: FL

Complaint narrative:
I was an Auth user on the card but I never knew I was, nor did I have access to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
[ the letter I sent to the collection agency Weltman, Weinberg, and Reis Co., LPA ] - " XX/XX/XXXX To the attention of W W AND R CO., LPA For decades, my XXXX and I used XXXX and paid the total balance every month. We had a stellar account, never late on payments. Now Ive received 2 notices from your firm/collection agency saying I owe a debt that I have paid in full 2 years ago. I spent over an hour today with managers and supervisors at XXXX trying to resolve this issue. 
My husband of XXXX years passed away and in XXXX I called XXXX to inform them and close the account. They informed me that the account XXXX was only in my husbands name. They immediately closed the account. And then, I opened a new account in my name. When I asked for the remaining balance owed on my husbands account, I was told the amount and also that legally I didnt owe it. I told the representative that I had a moral obligation to pay it and paid the balance of XXXX XXXX XXXX by check XXXX XXXX XXXX  from my personal account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am enclosing a copy of the statement from XXXX XXXX XXXX XXXX bank showing the payment deducted from my account XX/XX/XXXX. 
I expect a response from you and assurance that this situation is put to rest. I should not have been put in a position of having to clear this up myself. ( The wasted hours of searching for documents, phone calls, XXXX XXXX ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' My phone calls to XXXX were on more than one day, being switched from one entity to another. Finally, a supervisor solved the mysterious disappearance of the payment. It was found in a different/wrong account altogether. i asked for a letter of verification but never received one. now, this week ive received another harrassing letter from the collecting attorneys. My XXXX and I have had an account since XXXX ; we paid it off monthly, no fees or interest. have a cancelled check and bank statement showing electronic debit from my account to XXXX for the full amount. 
note : my XXXX  passed XX/XX/XXXX, XXXX i continued using my personal card assuming that the account was in both our names. again, always paying it off monthly. when I called XXXX in XXXX it was to remove his name from the account, at which time I was informed it was in my husband 's name and i was a secondary user. So, the account was immediately closed after I was given the remaining balance and a new account opened in my name. once this matter is settled, I plan to close my account. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX  XX/XX/XXXX my bank had XXXX transactions in my checking account marked as suspicious so I called and told them yes they were not mine and please delete them. On XXXX  XX/XX/XXXX I received a call with the bank 's phone listed on my phone from someone saying they were a bank employee calling about someone trying to make bank transfers in my account and they needed to help me with this. I XXXX  questioned them and they said to look at the phone on my debit card to see how it was the same number as what called me. So I believed they were calling me to help especially since the call from XXXX  morning. They asked to share my screen and proceeded to show me how to go into XXXX ( which I had no idea what it was ) and make XXXX transactions for the next XXXX   days to XXXX individuals accounts from both my checking and savings account. The scammer told me not to access my bank account while he was doing these transfers to stop this so-called person who was trying to make these transfers from my account. I don't understand how the bank never thought to contact me to say this looked like suspicious activity. This really is upsetting to me since they contacted me over XXXX small transactions on XXXX  but XXXX XXXX  transaction within XXXX  days totaling {$10000.00} doesn't look suspicious? They have closed the claim for my savings of account of over {$8000.00} saying they can not locate the person. I feel they should be responsible for not contacting for suspicious activity.

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 monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted my Wells Fargo bank to ask to get reimbursed since I was scammed out of {$1500.00} but they said since I willingly sent the money that I wont be getting reimbursed. I was scammed from a fake XXXX XXXX breeder off of XXXX and sent money on XX/XX/XXXX for {$750.00} and again XX/XX/XXXX for {$750.00}. I was then blocked and realized I was scammed. I had used my debit card to make the transaction. I let my bank know but they told me unfortunately my money will not be recovered.

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