vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville Collections stated they received my hospital account on XX/XX/XXXX, and then another stated that they received my account on XX/XX/XXXX? I can not receive a solid answer, nor can I get a written statement. 

I was told that all the interest would be included in my account upfront, and no additional interest would be charged. However, I was told by XXXX of their agents today that I am being charged 12 % interest in addition to the upfront charge. 

My beginning balance with the hospital was {$4900.00}. On the Bonneville Collections website, it shows that my beginning balance was {$5800.00}? Fees? Interest? Substantial increase. 

I have been paying on this account for approximately XXXX years ( they will not provide a statement showing my payments ), so I am unsure how I continue to owe more than my original debt. 

Every XXXX months they tell me they need to increase my monthly payment by $ XXXX {$20.00} per month. I am a single parent and have explained I can not pay these increases and ask for an explanation. She stated that if I could not afford these increases, that I should ask family and friends for assistance. 

They will not work with me and continue to harass me on a regular basis. 

I continue to make the requested payments, but it is a losing battle. My payments continue to increase, and I see very little reduction in my debt. 

I am seeking assistance to come to a satisfactory payment arrangement to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XX/XX/2024 I submitted a Wire Transfer from my personal bank account ( XXXX ) and same was wired to a Wells Fargo account for a legal matter. I inadvertently sent the wire transfer, however the receiving parties Wells Fargo account number I had not fully written the full account number, so wire transfer was not processed by Wells Fargo. The wire transfer has not been received as of today ( XXXX ). In the mean time I visited my bank after discovering my error and a XXXX person and I spent over XXXX hours on the telephone with the Wells Fargo Branch- XXXX Oregon as well as the Wells Fargo Wire Transfer Department and all I am seeking is to have my funds ( {$750.00} wired from my personal XXXX account ) refunded and Wells Fargo has totally given me the run around. I last called on XXXX XX/XX/2024 ( 10 days after sending wire transfer ) spent over XXXX hours on the telephone and spoke with XXXX different Wells Fargo representatives and explained this same ordeal to all XXXX representatives and to this day XXXX XX/XX/2024 ( 10 days after wire transfer ) Wells Fargo has not returned or refunded my funds. I owe Wells Fargo nothing so they should not be allowed to hold my funds hostage simply because my initiated wire transfer paperwork was incorrect. I want my {$750.00} returned asap.

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 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Extra charge after already settled at hospital. PLEASE PROVIDE IN-DEPTH VALIDATION FOR AMOUNT DUE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: Block, Inc.
State: NY

Complaint narrative:
I had reported a fraudulent claim to Cash App for {$550.00} via my debit card on XX/XX/year> which they claimed was legit after investigation. They never even investigated it was automatically denied in 1 day of me opening the dispute. I been a customer of Cash App for almost 2 years, never had any problems until this past weekend. I had try to request information on how my claim was denied and try to reopen the investigation. Denied again. 

This debit card is always used at store vendors I typically shop at like grocery stores. Other than that my card is always locked at all times and I always use my credit card for this type of reason. 

The transaction was made in XXXX for over {$500.00}. That money was going towards my rent and now I dont have it anymore.. Cash Apps customer service can not find any record of me ever making transactions in XXXX. Cash App is not helpful. Their company is ran by a bunch of AI bots and you can never speak to a real person. They refuse to let me talk to the team who actually reviews this information saying they cant help me. So Im submitting this complaint in hopes of getting a REAL person to help me because this is honestly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My ex-wife open to credit card in Iowa under my name I have lived in Florida my entire life I have shown this debt collector bank statements from charges in Florida made on the exact same days that charges were made in Iowa I have proved I have never lived in Iowa but my ex-wife did I have also given them order from a judge stating the debt is not mine and that the debt is signed to my ex-wife and they still refuse to remove my name from it or remove it from my credit report until I pay it off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: MA

Complaint narrative:
Specifically under 15 USC 1692c.

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue. 
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 non-monetary relief
Consumer complaint received 2024-04-08 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: MA

Complaint narrative:
Specifically under 15 USC 1692c. 

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I requested to borrow money from Cash App. Somehow the account the money was sent to is not mine and they have refused to assist me with contacting where they sent the money. They verbally told me over the phone to go to my local sheriffs department because they did nothing wrong. I am not saying the fraudulently sent my money somewhere. I am saying whatever account it went to is not mine and need to get this money sent back to Cash App. I did contact the bank where they supposedly sent the money. The only information they could give me was that the account that Cash App says they sent the money to does not exist. At this point no one is helping me and Cash App wants me to repay the money " borrowed ''. I never got it. Please help me locate these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from 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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments. Its existence is causing me significant distress, and I implore you to rectify this error promptly by removing it from 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I didn't begin these requests, and I'm not associated with any of the loan bosses recorded. If it's not too much trouble, remove them from my credit report immediately.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. 

XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.

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