vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
After reviewing my transition credible file I was able to identify multiple inquires that I did not recognize which is a result of fraud. I have contacted transition multiple times in regards to this and they have done nothing for a solution. I also had provided a identity theft report. This has caused damage to my credit and my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To be completely honest, I am so overwhelmed and confused at Capital one 's practices it is unreal. They have been reporting late payments when I wasn't late. There are more then XXXX instances. I have dealt with XXXX deaths back to back in the last year from people closest to me ( my dad and my sister ). I recently had the XXXX and was out of work for XXXX month with no pay. Capital One has absolutely done more good than damage for my personal credit report. I phoned in on XX/XX/XXXX I believe it was to make payment arrangements. Keep in mind I always pay my cards off in full. I just hit a bump in the road. I was placed on XXXX different payment arrangements as I have XXXX accounts one ending in XXXX and the other ending in XXXX. This pandemic has literally taken a toll on the best of us. The late payments reported have literally killed my credit. I'm a single mom who works XXXX jobs, have a kid in XXXX and one in XXXX who plays XXXX. I'm trying the very absolute best that I can. I also called in yesterday XX/XX/XXXX and asked for a print out of all the payments made and was on hold for over XXXX minutes. I then told the rep that this isn't an unreasonable request and I no longer could be on hold. I wake up at XXXX XXXX everyday for work. I needed to get to bed. I just want this rectified. This is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have contacted Experian Credit Services ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) numerous times pertaining to personal information being incorrect and reported within my credit profile with this company. Its numerous wrong NAMES as well there are inaccurate ADDRESSES by them that I was told they wont remove because theyre connected to an account which I already made them aware those accounts arent mines. Therefore I am taking further steps in submitting my complaint with the ( CFPB ) to make them aware of this particular issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent Simons Agency a certified letter requesting proof and documentation of two debts which appear on my credit report through XXXX. To date, they have not sent the documentation and the debt still appears on my XXXX credit report. The letter was received by XXXX XXXX on XX/XX/2021 and was signed for. Accounts are both XXXX XXXX XXXX # XXXX XXXX  and # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was part of the Equifax breach settlement. The status of my claim is indicated as " paid '' as of XX/XX/2022. I have received no payment. I have contacted the settlement XXXX twice to inquire about the status of my claim during the many months the status showed " pending '' and once to report that I did not receive any payment after I saw that my status had changed to " paid '' using the secure form on the Equifax breach settlement website. I have not received any replies or acknowledgments to these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. Systems is reporting an over XXXX dollars collection account from XXXX XXXX. I repeatedly dispute this account with other collection companies and when they attempted to get the information from XXXX they could never obtain the information I.C. System is refusing to attempt to get the information from XXXX detailing what charges on the account total to the amount claiming I owed and refused to remove the information from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do not agree with my banks solution about my claim, the case number is XXXX, they want to close the case saying that I authorized the two transactions, but I never did such thing, I even called them telling them to not authorize those transactions because they were not made by me. I feel like my rights with the bank are not being taken into consideration and I need this claim to be resolved and get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: GA

Complaint narrative:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
all of my right was violated by XXXX, experianXXXX XXXX XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Medical bill was paid in total by the insurance and this was billed separate and never charged to the insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello. 
I have been a customer at Wells Fargo XXXX XXXX XXXX. Been over 20 years. 

Always paying on time No late fees Always having credit in my credit card But The in XXXX and XXXX my card was stolen twice, once it was In car and once my wallet completely was gone I contacted Wells Fargo and they told me there was two purchases of XXXX and XXXX on the card. 

So they opened a lost card claim and helped me. 
I got a letter said the claim has been resolved and fixed the issue and it was in my favor. 

Two weeks later, I check my card and the dispute for reversed because they believe that the dispute wasnt fraud because it happened at the same place. 

I have called them and tried to work things with them explaining how is it my fault, its life and anything is possible but they refuse to help 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
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MI

Complaint narrative:
National Recovery Agency ( hereinafter NRA ) is obligated and has failed to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. has furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
NRA has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from NRA and the time allotted for doing so has since expired.

NRA has incurred statutory liability under the Fair Credit Reporting Act as a direct result of its failure to comply with the above mentioned title and section.

NRA is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

NRA has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
NRA has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. 
NRA has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ). 
On or around XX/XX/2023 NRA communicated a text message stating I owe a debt without informing me that this debt can be disputed. I communicated back to mark this debt as disputed and to cease contact. On XX/XX/XXXX, I received back to back phone calls with a voicemail left regarding this alleged debt. Another clear Violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney.

My money was wired from my XXXX XXXX XXXXXXXX checking account. The receiving bank is Truist Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. 

I know my money is frozen at Truist Bank, but neither bank will cooperate in returning my money. Truist is holding my money XXXX and XXXX XXXX  XXXX continues to XXXX to me every time I call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Company contacted me repeatedly. Never left a message. When curiosity got best of me I called the company. They stated an attempt to collect a medical debt I was unaware of at that time. I contacted the medical provider, there was {$1000.00} plus discrepancy in the amount owed. I then called XXXX back asking for written proof of their legitimacy. I was told it wasn't required and they would report a failure to pay on 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX are not mines I never filled any application out or gave anybody my information to do so Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX I never filled out any app or gave them permission to pull my information I never applied for anything with them

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