vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
In XX/XX/XXXX, we got a text saying a phone was being delivered in XXXX XXXX by XXXX XXXX XXXX. We have no XXXX XXXX XXXX account and had not ordered a phone. We immediately called XXXX XXXX XXXX who refused to cancel the delivery. XXXX XXXX XXXX began to call us and ask for money. We explained it was identity theft. We provided all the information that XXXX XXXX XXXX requested. XXXX XXXX XXXX wanted {$1200.00}. XXXX XXXX XXXX said we must submit a police report. We did so on XX/XX/XXXX. The sheriff 's department refused to sign the XXXX XXXX XXXX form as a matter of policy. Howeer, they submitted the case on their form. 

XXXX XXXX # XXXX Deputy Sheriff XXXX CA XXXX Case XXXX I submitted all the documents online and also sent them by registered mail to XXXX XXXX XXXX. 

In XXXX, I got notice that Sunrise Credit Service filed a report saying we had not paid this XXXX XXXX XXXX bill. Sunrise never contacted us, no mail, no email. My credit score dropped XXXX points. 

I then failed reports with XXXX and XXXX who accepted Sunrise 's statement. I am now coming to 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 2024-09-16 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same numbers back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
When we were banking with Wells Fargo several yrs ago they reported to social security for my SSI that I was making and depositing {$8000.00} or more a month for the time frame of over a year. Also they reported accounts that myself and my wife knew nothing about that had been opened by a branch employee without our consent. Because the way that SSI is set up I lost my benefits and at the time when the bank caused error was caught all they had to do was report the account reporting error which they did not do. At the time the bank was under investigation and in the news for the same thing to other bank customers we made an agreement with the banks mediation department and agreed it would be dropped as long as they did what they said they would do. I have been threatened with arrest and they have put a huge overpayment on my SSI account that I can not pay and the bank has just let time slip away to the point that I have lost my benefits due to over the income limit of SSI and now we feel the bank should have to pay us some form of restitution considering because my ssi payhas stopped or been greatly reduced I can not pay my bills and my credit is being destroyed and I have desperatly been trying to get a personal loan to pay up my bills in the meantime but wells fargos action has just dominoed in effect we have written them and all we get is its being looked into and we never hear back from them. The Money Wells Fargo reported as mine was not mine nor did i make it as income like Social security This matter is so serious that we have the State Senetors office trying to help us with Social Security and they are aware what the bank did. The bank should be punished not us.

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 2024-09-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian 's login always takes you to a landing page asking you to upgrade your membership to include " XXXX XXXX Report & XXXX XXXX '' as well as saying that your Experian " CreditLock '' requires a paid membership to use. This is unfair and deceptive business practices that imply that a paid membership is required to use what should be free by law to request a security freeze and to view your credit score. The landing page also shows the cost as " XXXX '' with smaller text indicating the recurring cost is XXXX $ monthly. You are required to see this landing page upon every time you login, further raising the chance you mistakenly agree to the " XXXX '' in order to access your credit report. Alternatively, you are forced to search for the legally required option to freeze your credit report, which does not show up under the " Protection '' drop down.

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 2024-09-16 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
First of all, I tried to add this to the most previous complaint but there is no way to add anything even though it says that it is open. Why is this? This is an ongoing issue and I would really like Experian to correct what is incorrect. 

I did EXACTLY what it says on the Experian website of what to do if you want to report inaccurate PERSONAL INFORMATION. 

I think the arrogant, antagonizing response I got from " XXXX '' in the " fraud '' department should be posted for everyone to see. These people need to close down. 

It says on the Experian website that one can not dispute personal info online but only by phone, or mail. I called the NUMBER THEY LISTED. I WAITED ON HOLD FOR TEN MINUTES AND I GET THIS MAN NAMED XXXX WHO OF COURSE, SPEAKS WITH AN ACCENT THUS, THIS IS A CALL OUTSOURCED NOT IN THE XXXX. 

If that didn't feel uncomfortable enough, I want to say that having to give my SS number XXXX XXXX is enough to make anyone scream. 

I told XXXX the XXXX XXXX XXXX list XXXX is NO LONGER VALID IT HASN'T BEEN VALID FOR ABOUT FIVE YEARS AND IT BELONGS TO SOMEONE ELSE. 

I GAVE HIM MY VALID XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I TOLD HIM THEY HAVE AN APARTMENT ADDRESS THAT HAS NOT BEEN VALID FOR MORE THAN 20 YEARS. ABOUT 25 YEARS TO BE PRECISE. 

THIS ANNOYING MAN STARTS BABBLING ABOUT THE FAIR CREDIT REPORTING ACT AND I COULD XXXX XXXX XXXX XXXX. I SAID I AM THE ONE WHO OWNS THIS CREDIT REPORT, I AM THE ONE THIS INFO IS ABOUT AND I AM INFORMING YOU PER YOUR OWN XXXX CREDIT AGENCY AND YOU ARE TOO XXXX LAZY YOU ARE JUST RECITING THIS FAIR CREDIT ACT AND THEN I ASKED FOR THE NUMBER OF THE FEDERAL STATUTE OR ACT OF THE FAIR CRDIT BLAH BLAH BLAH AND HE COULD NOT PROVIDE IT.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
Whenever I try to open a bank account online, the financial institution says I could not be verified. The banks/credit unions say they use Lexis-Nexis. I am a XXXX XXXX, have. valid SSN and drivers license etc... So I do not know why or how Lexis refuses to verify my identity to banks. They ha din on all my credit card and back accounts and past addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America took two car payments at once. One which was canceled and which they dont dispute was canceled and another one. Somehow even though it was canceled, they took it ACH EVEN THOUGH I canceled it 5 minutes after setting up a scheduled payment on the following Monday. The bank does not dispute that I canceled but they have refused to ACH back the money. They then told me it would be rushed by mail via check. 5 days later it was not and there were notes they would return it on XXXX - 14 days after taking it. I went to escalation again, they told me it would deposited back into my Bank of America- not they ACH account on the following Monday. It was not. When I called the notes said the XXXX & then 2 business days. However when they looked no bill pay had been initiated. They refused to give me ANY confirmation in writing although they assured me it would be done. I still have NO MONEY. I DID NOT AUTHORIZE THIS PAYMENT. The bank is doing nothing. They are rude and act like I should be patient! It was 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 monetary relief
Consumer complaint received 2024-09-16 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-16 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: MI

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA, 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 2024-09-16 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: MI

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : US DEPARTMENT OF EDUCATION/XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, XXXX  XXXX, IA XXXX XXXX US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-16 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: OH

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One froze my checking account ( XXXX ) without any good reason. I have called Capital One innumerable times seeking an explanation. They will not provide any justification. They tell me they have appointed an investigator ( # XXXX ), but will not provide the name of the investigator. They claim it could take up to XXXX months to " investigate ''. 

I have requested the name of their Corporate Counsel many times, they refuse to provide this information. I have also asked which Federal Agencies govern XXXXapital One, they refuse to provide this either. They place every impediment in the path of customers trying to file complaints.

While Capital One is holding my money, they are crediting me an interest rate of 0.1 %. Simultaneously Capital One is charging me 29.99 % interest on my XXXX credit card ( XXXX ) and 26.24 % interest on my XXXX  XXXX account ( XXXX ). This is usurious. I am unable to pay my school fees, and my credit card, because Capital One has frozen my money. 

My call dated XX/XX/year> should to be uploaded to Capital One Corporate Counsel, and a formal complaint filed with Government agencies for XXXX XXXX fraud. 
FDIC XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief