vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: NY

Complaint narrative:
To Whom It XXXX concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my XXXX XXXX accurate for me and my family.

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 2023-06-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I talked to XXXX @ XXXX that this was not the number of who he was looking for, then two weeks later called the same number and asked them not to call anymore. XXXX calls twice a week or more adding to the over 30 junk calls a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On or around XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX XXXX XXXX Credit card issued by COMENITY BANK. I had credit freezes in place at all 3 credit bureaus at the time I submitted my online application ( https : //d.comenity.netXXXX ) which resulted in my application not being automatically approved. 

COMENITY BANK makes it impossible to speak to a human to discuss your application status. All of the customer service representatives do is send you to a pre-recording telling you they won't provide you any help about your application and to refer to your letter. 

The problem is that USPS mailman lost my letter and NEVER WAS DELIVERED ; although I have attached evidence from USPS informed delivery that it was meant to have been delivered... so I know they sent me a letter but I find it extremely ridiculous that nobody will speak to me or even give me the option to request a copy of the letter that was mailed to me with some decision information.

As it stands ; USPS has lost my letter. I do not know if XXXX XXXX  intends to approve my account but it is waiting on some identity documents in order to approve my application ( my credit score is XXXX ). I have the right to receive a copy of any letter regarding my application and this company/bank makes it impossible to discuss with a human the problem that you may have and they send you back to the XXXX before the age of the internet by not providing information electronically as any other bank. 

These do not feel like appropriate business practices and I seek the assistance from the CFPB at resolving this matter. The bank should not be withholding information about my application in unreasonable ways such as their current practices. My excellent credit shouldn't result in a denial either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: 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. 

Account name : # XXXX, Account name : # 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 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: OR

Complaint narrative:
XX/XX/22 I went to an in-network dermatologist. Two biopsies were taken and sent to a lab. I received a bill for {$1100.00} for that labwork. I wrote two written appeals disputing the lack of coverage from my insurance company ( XXXX ) and had numerous calls often over an hour long with their " advocate team ''. Unfortunately, I don't have those dates. The last thing I remember hearing was the latest appeal would be processed. I never heard back. This was in XXXX of 2022. 

Today, I received a notice fro XXXX ( credit bureau ) that I have an {$1100.00} bill in collections. I never received any notice from my insurance company, the collections agency or the lab ( XXXX XXXX  XXXX XXXX ) that this bill was going to collections after submitting the disputes.

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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a letter to my old address on Wells Fargo letterhead dated XX/XX/2023 that I had not cashed a check dated XX/XX/2023 sent by Wells Fargo " due to account closing issues ''. I never received a letter explaining the check from XXXX to current. So, I was hesitant to call the number on the letter and instead, called Wells Fargo customer service. I was transferred to 4 different people and 3 of the 4 told me they didn't know anything about me receiving a letter/did n't have enough information from the letter to do anything for me. Finally, I was transferred outside of Wells Fargo to a rep that stated they were the third party teaming with Wells Fargo under the settlement to issue payments to clients for wrongful charges. The rep was able to resend me a check to my current address and with my current name but was unable to explain what I was being reimbursed and from what year. She explained that I needed to talk to customer service, which I was transferred to. The Wells Fargo associate told me that because I had no accounts ( opened or closed ) associated with the account number on the letter, that they could not look up any information to find the activity that warranted the refund. I explained that I have only ever had a checking and savings account with Wells Fargo and their account numbers never changed and I asked her how the number could be different. She was unable to explain the random account number and unable to give me any basis as to where the check amount came from. I spent over an hour on the phone looking for answers and no one was able to help. i was told that the letter had an account number that I do not have with Wells Fargo and that I needed to give them the full account number on the letter although only the last 4 digits were included. This number did not match either my checking or savings account numbers. They also checked to see if there was a closed account with that number and confirmed there was not. This raises concerns as to why the letter would say that the check was due to account closure issues. I find this concerning and frustrating that I was not informed on where the check came from and how the number was calculated. I am unable to check the accuracy and must rely on Wells Fargo, who was negligent in the first place, to be accurate on this correction.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. THE WHOLE ACCOUNT NEEDED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: NV

Complaint narrative:
I contacted National Business Factors to pay medical debt and have the account removed from my credit report. They refused to allow me to pay the original balance and want to charge me interest that is not part of my agreement with the original creditor. I asked for the deletion to be confirmed in writing and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LEXISNEXIS
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance. 

Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation. 
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times. 

I have my contract from the refinance and can submit it later if needed.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
First tech federal took over XXXX out of my checking account to reimburse themselves for someone elses account that was overdrawn. I got my money back after a lengthy phone call and discovered they took my money to cover overdrafts on my ex husbands account that I have never been tied too. Than they had a collection agency contact me to collect the same debt from that overdraft account where I proceeded to explain I have never been on that account. Now that same account that is not mine is being reported on my credit report and in chexsystems causing me to be denied applications. I have never been associated with this account and first tech keeps coming for me over it. My husband has XXXX and I cant keep dealing with first tech messing my life up.

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 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello the reason I am writing this letter is because I was impacted by XXXX on XX/XX/2021, to the point where I lost my job and I felt into a financial crisis, I had to put my Mortgage into Forbearance for a full year. Due to this financial crisis after being impacted by XXXX, I called to explain ( Capital one ) that I was impacted financially, and I asked them to help me through this process, but they never offer me any Aid option for financial hardship, they were clear all the time that if I don't make payments on time they were going to report my account late to credit bureau , and that's what they did. I am so disappointed with Capital one policy, if you check my payment history you can see I was always on time since day one with my credit card, til I was impacted by XXXX XX/XX/2021. This account had a balance of {$1500.00}, and with continues late charges it went up to {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Beyond van lines is really XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. They claimed to be a moving company. They said the total cost of the move is split in 3 payments. The initial {$1600.00}, one when they pick stuff up and one when they drop stuff off. We scheduled out move XX/XX/XXXX. Our move is for XX/XX/XXXX. Today is XX/XX/XXXX. They called us today demanding an additional {$3000.00} and if we dont pay, we cant keep our move date. That is to be paid today by close of business and still have to pay the other two payments. They only took payments by electronic check, cash and XXXX. My bank, capital one, isnt helping. They said its between this scam company and I because theyve already cashed they check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation