vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX. Please delete ALL the following accounts and ALL Inquiries. 


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 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 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 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt and Henriques have consistently violated numerous rules and regulations. The account and balance from XXXX XXXX Services do not belong to me. This account was removed following identity theft and fraud data breaches. XXXX XXXX XXXX sent letters confirming the removal and updated my credit files accordingly. 

However, Hunt and Henriques continue to harass me with phone calls and letters, and they even filed a lawsuit against me. I responded to the lawsuit, and their attempt to obtain a default judgment was denied. I believe these actions constitute major violations of the Fair Debt Collection Practices Act ( FDCPA ). 

This account and its balance do not belong to me, and they have still not resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Someone has stolen propertiesI and my social security number

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX AC # XXXX Date opened XX/XX/XXXX PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to create my account with them online and via their customer service SINCE XX/XX/year> but up to this day, the issue has not been resolved. They told me that they could not verify my identity and asked me to mail and email them my proof of identity and address, which I did but no one even responded. This issue has been ongoing since XXXX. Can you please send them my requests for fraud inquiry deletion and account creation? Also, please forward all attachments needed. For Experian, here 's my username : XXXX, password : XXXX @ XXXX. Experian 's customer service robot has also caused a lot of stress because it couldn't hear and understand a word I say which was very frustrating. Contact # XXXX : XXXX, social secruity # is in the attachments. 

I have been a victim of identity theft and would like to request your assistance to delete the following fraud hard inquiries on my credit reports : XXXX XXXX - XX/XX/year> and XXXX - XX/XX/year>. I have attached here my FTC reports, driver 's license, and social security card. I was told to send this by mail but they said they never received my request. I would also like to bring to your attention the delayed response of Experian.

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 2024-11-02 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: MO

Complaint narrative:
I've reached out to the Company to remove all of the unknown soft inquiries on my reports. and to see how they are getting my information to make those inquiries. The company said they don't know and that soft inquiries can't be removed.

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 2024-11-02 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, are not complete and accurate. 
Account Number : XXXX Original Account Number : XXXX And XXXX more thing according to 15 USC 1681s-2 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Someone has stolen propertiesI and my social security number

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Peace Unto You! 

Today marks the day of a major issue with all consumer reporting agencies. See attachment below to see my documentation that states what specific information I want removed from my consumer report and what information I dont want to be reported. 

I as a consumer have this right by law. Act 15 USC 6802 gives me the right to Opt Out of anything regarding to reports to my consumer report and there are consumer reporting agencies that are disregarding this fact. See attachment below to see what XXXX said in regards to my dispute. This is highly unethical, illegal, and simply not fair, and as the CFPB its your responsibility to assist me when these consumer reporting agencies simply disregard my request to have information removed. 

I as a consumer have the right to gather any documentation, regardless of the Source, that includes in totality the Consumer Laws in order to file any dispute, for in Consumer law I have the right to privacy and its the Consumer Reporting Agencies Obligation to adhere to my disputes. Not the other way around. 

In summary, I simply gathered documentation that I used for my dispute, and in this documentation it clearly shows the laws that ALL consumer reporting agencies must adhere to. 

It is UNACCEPTABLE for a consumer reporting agency to deny my RIGHT as a consumer to have what I demanded to be removed from my consumer report. 


And so it is.

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 2024-11-02 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: OH

Complaint narrative:
Peace Unto You! 

Today marks the day of a major issue with all consumer reporting agencies. See attachment below to see my documentation that states what specific information I want removed from my consumer report and what information I dont want to be reported. 

I as a consumer have this right by law. Act 15 USC 6802 gives me the right to Opt Out of anything regarding to reports to my consumer report and there are consumer reporting agencies that are disregarding this fact. See attachment below to see what XXXX said in regards to my dispute. This is highly unethical, illegal, and simply not fair, and as the CFPB its your responsibility to assist me when these consumer reporting agencies simply disregard my request to have information removed. 

I as a consumer have the right to gather any documentation, regardless of the Source, that includes in totality the Consumer Laws in order to file any dispute, for in Consumer law I have the right to privacy and its the Consumer Reporting Agencies Obligation to adhere to my disputes. Not the other way around. 

In summary, I simply gathered documentation that I used for my dispute, and in this documentation it clearly shows the laws that ALL consumer reporting agencies must adhere to. 

It is UNACCEPTABLE for a consumer reporting agency to deny my RIGHT as a consumer to have what I demanded to be removed from my consumer report. 


And so it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I have prior complaints on same transaction. I ran across where I was flat out mislead and now understand why so much of my contract wit easy pay financing I don't understand. Mechanic sent me the link to apply.. go on easy pay financing web site They offer auto repair financing and several types include clear contract, personal loans, title loan, pay day loan, credit card... there is no option for rent to purchase which is where they misrepresented the contract because I applied for an loan and wasn't aware that rent to purchase auto repairs were a thing. My actions of paying XXXX before contract shows I was trying to lower that apr and mthly. Me calling them trying to exercise the XXXX  day pay off of est i added up to be around amount of XXXX furthers I was decieved. They didn't provide documentation copies of contract nor is it suggested online account. My problem with all the inaccurate facts. Also on their web page it has a link that says store locator and the mechanic I used is bucks and it's listed as who accepts their auto repair financing. Clearly listed. Several paragraphs before and after all talking about auto repair financing only. That's why I'm having issues. They approved me for something else and didn't stress that till last mth when I was trying to pay off. Fraudulent. If all these things point to this one option of loan why would I think something not listed in this category would pop up. Yes they obviously offer rent to purchase contracts but it's not offered under the mechanic repair category. This is it. I need them to contact me tell me they apologize for saying i owe XXXX on a XXXX est lease. Apologize that they have me XXXX guessing what I thought I knew. They better call my creditors and give me 100 % good review so I can do what I intended .. to build up my credit. By the way. On previous documents there are changes I can prove. Small but significant that what I did take home in documentation can she had been edited. I honestly thought they may were forging my signature but they baited and switched what I thought I was applying for to this rent to purchase XXXX. Not to mention cash price not what they paid like their contract states. Predatory.. equivalent to child molesters and rapists. Look for opportunities and strike

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Sometimes in XXXX I noticed XXXX credit cards were added to my XXXX account that I was not familiar with, so I researched the issuing bank, and I called the number it was a phishing number, they verified both cards. I called XXXX, but they were so irresponsible incompetent, that told me XXXX of the cards on the account matched XXXX of my cards that I am familiar with, but the last XXXX digit did not match, so their negligence allowed these scammers to add pre-paid cards issued by XXXX bank in Ohio, later on when I called the bank to inquire i was told if I didn't have residency in Ohio I won't be able to open an account, when I told them what happed to me they said it must have been a pre-paid card issued by XXXX of the many affiliates and partners. The other bank card was by XXXX bank and the same story, I called back XXXX to complain because buy that time the scammers cleaned my XXXX account out on XX/XX/XXXX. They reviewed my account they acted surprised that I had XXXX phone numbers beside mine were added that were not mine, and an email was added to the XXXX account that was mine. so they removed all things that were not done by me. XXXX on the other hand, allowed all these unauthorized transactions that allowed scammers to take all from XXXX account, I informed them to lock my account. After reporting it to the police, I made XXXX reports, XXXX fraudulent activities and the other report Identity theft. I am monitoring these scammers online. They keep changing their XXXX generated phone numbers. Trying to communicate with XXXX to restore my account, they keep saying I am not the real account owner and they keep denying me access to my account. I explained to them maybe scammers are using my identity that's why you thing I am not the real one. I am still trying to call them, but they say I have to go through the App but I cant access the App. 
A current scammer phishing phone number is XXXX scammers are posing as XXXX customer support. They are careful, they won't answer the phone but they will call back from XXXX. Some of the names scammers use and emails ; XXXX XXXX, XXXX XXXX, and the main email ; XXXX. 
They got away with about {$7800.00} stocks, XXXX and cash. 
I tried to report all this to the FBI through XXXX but I am not sure if was submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY TRANSUNION XXXX XXXX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 XXXXXX/XX/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 2024-11-02 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: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MO

Complaint narrative:
I've reached out to the Company to remove all of the unknown soft inquiries on my reports. and to see how they are getting my information to make those inquiries. The company said they don't know and that soft inquiries can't be removed.

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 2024-11-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I've reached out to the Company to remove all of the unknown soft inquiries on my reports. and to see how they are getting my information to make those inquiries. The company said they don't know and that soft inquiries can't be removed.

Company response to consumer: Closed with explanation