vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried to link my XXXX XXXX to my Wells Fargo checking account. According to XXXX Wells Fargo would not allow access for  XXXX to send the funds. Because of this, the funds were transferred 3 days later. I was charged XXXX overdraft fees during this period. I will be charged a return fee for my 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax credit bureau has continued to violate my consumer rights by reporting inaccurate information to my credit file about and account that has been removed from XXXX XXXX and XXXX but Equifax say that they verified this account which seem to inaccurate and I have proof to show my case. According to FCRA section 605B it is illegal to report any information on my credit file without my permission or consent. Also this collection agengy does not have the right to collect a debt to anyone because they are not licesned in the state that im in which is another violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent account openings by Barclays Bank PLC. Despite multiple attempts to resolve this matter directly with the company, I have encountered significant obstacles and believe that my concerns are not being adequately addressed. 

The crux of my complaint revolves around two Barclays accounts that were opened fraudulently in my name. These accounts were established without my knowledge or consent, and the information associated with them is inaccurate and does not belong to me. Despite bringing this issue to the attention of Barclays, I have not received satisfactory assistance or resolution. 

Moreover, I recently discovered that my ex-partner, who is responsible for the fraudulent account openings, falsely claimed to be an authorized user. This individual manipulated the situation by providing false information to Barclays, further complicating the matter. 

I have diligently pursued resolution with Barclays, but I feel as though I am being given the runaround and that my concerns are not being taken seriously. Despite providing evidence of identity theft and fraudulent activity, Barclays has failed to initiate a thorough investigation into the matter. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Barclays takes appropriate action. Specifically, I request that the CFPB : Initiate an investigation into the fraudulent account openings by Barclays Bank PLC. 
Require Barclays to provide detailed information regarding the circumstances surrounding the opening of these accounts and the actions taken by the company. 
Facilitate the removal of the fraudulent accounts from my credit report and any associated negative remarks. 
Implement measures to prevent similar incidents of identity theft and fraudulent account openings in the future. 
I trust that the Consumer Financial Protection Bureau will handle this complaint with the seriousness and urgency it deserves. Please provide me with written confirmation once the investigation has been initiated and the necessary steps have been taken to address this matter satisfactorily. 

Thank you for your prompt attention to this urgent issue. I look forward to a swift and satisfactory resolution.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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 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 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.

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 2024-04-25 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XX/XX/XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the AXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.

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 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These collections and charge-offs were all on settlements and after XXXX, XXXX came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.

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 2024-04-25 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: NY

Complaint narrative:
These collections and charge-offs were all on settlements and after XXXX, they came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
No action taken by PayPal. I requested that my account be locked down and accounts removed and they did not resulting in {$7500.00} more dollars to be debited out of my account after I spoke with them and they promised to lock down my account. They have allowed $ XXXX to he debited out of my account in 4 days of which they have done nothing about. They also closed a ticket I opened telling me the transactions were not fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I sent Midland Credit Management this email on XX/XX/XXXX. They still continue to call me. This XXXX XX/XX/25, it was barely after XXXX. I have dealt with this company regard this same debt before. They know it was resolved XXXX years ago, but they continue to harass me. This needs to stop. Email I sent to them below. Please help. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ( 2 days ago ) to me XXXX XXXX XXXX This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Name : XXXX XXXX Last XXXX of XXXX : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX Zip Code : XXXX State : VA Type : Cease and Desist Removal Description : This account was resolved over a decade ago and I've told you about this before. I am contacting my state attorney general and CFPB about MCM as you keep sending me the same information and disregard the facts. Do NOT contact my phone ever again. Send me an email to XXXX to let me know that you have received this and updated your records. Thank you, XXXX XXXX According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 
XXXX XXXX XXXX Case Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2024, three fraudulent charges were made processed by Wells Fargo, through fraudulent activity discovered by XXXX. Each of the three charges were in the amount of {$4800.00}. The fraud was detected by XXXX, and stopped. However, Wells Fargo allowed the charges to be deducted from my account, putting my balance at XXXX XXXXXXXX. They also took all funds from my savings account, charged me a NSF fee and then charged my credit card {$920.00}. This credit card account was previously at {$0.00}. I have now been charged {$33.00} for INTEREST on a card that I PAID OFF AND HAD A {$0.00} balance! 

Wells Fargo has failed to provide an explanation as to how the fraud occurred, failed to acknowledge that they are in error and failed to rectify the issues with my accounts.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request a letter to verifying my identity for the verification process. 

Please find below the details verifying my identity : I kindly request that this letter be addressed to the appropriate party. 

Removal of any blocks placed on my credit file. 


Thank you for your prompt attention to this matter. Should you require any further information or verification, please do not hesitate to contact me at XXXX Sincerely, already mailed identity verification certificated mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
About a month ago I realized there were fraudulent charges on my Macys account. I called Macys. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that MACYS has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called Macys multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but Macys can at least give me a letter saying this was reported my mistake. I also disputed this MACYS late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Charge off date is inaccurate. Previous dispute was NOT verified by knowing the accounts were charged off in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
All dates, all amounts, and all actions as stated in step XXXX. 

Show me the evidence : Where a contract exists between myself and the debt purchaser. 

Where my signature exists with debt purchaser. 

Any acceptance from myself in any form to debt purchaser. 

Basis of how the debt purchaser is claiming I owe them any money they are reporting to any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america not sending me my bank statements XXXX requested my bank statements from the begining 8f my account to this day .several times and still have not tecieved them ..nor can i view them online .. my last XXXX complaints madesent to bank of america returned marked as duplicated complaints ..but they are not both complaints speak about different issues im having with bank of america ..so they should not be considered closed..

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