vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: RI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : 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 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Transworld/XXXX  reported a derogatory collection account to all credit bureaus, causing economic hardship. No attempt was made to contact me regarding this supposed debt. The debt is not mine and is being reported without validation that I am the actual owner. It shows as a recently opened debt. The collection/reporting of this erroneous debt is a violation of the FCRA, 15 U.S.C.-1681 et seq. Transworld is in direct violation of this act as it pertains to the validity of the debt as it relates to my rights as a consumer/identity theft/data breach victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
In the last month or two I started receiving voicemails from a debt collector. I ignored them initially since the voicemail didn't say what it was about and I never received a letter from this company saying they were trying to collect a debt. 

On XX/XX/year> I called the number in the voicemail to inquire why they were calling me. They asked for my account number - however, because I've not received a letter in the mail I did not have an account number. 

The account rep was able to look me up by my name and told me they were collecting a debt. I informed the rep I've never received anything in the mail about this and would like documentation validating the debt. The rep informed me they had emailed me on XX/XX/XXXX and that the email was " received. '' However, after searching my inbox, spam inbox, and deleted messages - I found nothing from Paragon Revenue Group. I don't particularly care that their system says the documentation regarding my debt was delivered by email if I can not find it. 

I informed the rep I would like to settle this debt with a lump sum payment if I can verify the debt is mine, but am not willing to do so until I have a debt validation letter for my records and also a settlement letter. 

On XX/XX/year> the representative said she would email me verifcation of the debt and a settlement letter but it wouldn't be immediate and might take a few days. 

As on XX/XX/year> I have not received an email about this. I called back and spoke with the same representative who was not sure why the email hadn't been sent or if it had been sent. She said she could try and text the letter to me but I did not receive that. The representative kept trying to tell me if I just paid the agreed upon amount that because the line is recorded I would have that as proof and she could send me a receipt. That is nice- but I still need documentation proving the debt is real and a settlement letter documenting the agreed upon amount. 

I'd love to settle this debt if it is legitimate- I don't know why Paragon Revenue Group refuses to MAIL me the documentation I am requesting when their system of emailing people is clearly not working since the emails are going into spam or not actually delivering. Also - who checks their spam for this sort of information? Even if I did check my spam regularly, I'd assume any sort of " debt collection '' notice I received via email was spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MT

Complaint narrative:
I am writing to formally file a complaint against Equifax for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that have caused significant harm to my credit profile. Below, I outline the details of the issue and request your assistance in investigating and resolving this matter. 

I recently disputed a bankruptcy record on my credit report with Equifax, asserting that the bankruptcy is time-barred and should no longer be reported. 

Equifax claims that on XX/XX/year> ( XXXX XXXX ), they contacted a third-party provider to verify the bankruptcy. This claim raises concerns about the credibility of their verification process, as it is highly unusual for such actions to occur on a federal Following this alleged verification, Equifax updated the bankruptcy record on my credit report to reflect a filing date of XX/XX/year>. This is a gross misrepresentation of the actual filing date and creates the false impression that this is a new bankruptcy. This inaccurate reporting has caused significant damage to my creditworthiness and financial reputation. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. By misrepresenting the filing date of the bankruptcy, Equifax has failed to meet this obligation. 

XXXX claim of verifying the bankruptcy on XXXX XXXX raises serious doubts about the thoroughness and legitimacy of their investigation. 

The inaccurate reporting of the bankruptcy as a recent filing has caused significant harm to my credit score and financial standing, potentially affecting my ability to obtain credit, housing, or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CT

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-12-27 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2024-12-27 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: GA

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

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX XXXX We submitted a complaint to review as the companys system had technical issues. We called/ chatted with CS multiple times for months and they told us to wait, try again, etc. I finally mailed a check to pay and am still charged fees for their issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo 's Lax Security Measures Enable Check Fraud We have fallen victim to a check fraud scheme, and Wells Fargo 's inadequate security measures have allowed the perpetrator to deposit our check. Here is a summary of the events : XX/XX/year> : We wrote a check to " XXXX XXXXXXXX XXXX XXXXXXXX '' for a stair-railing project. 
XX/XX/year> : A person named XXXX, who is not affiliated with the company, deposited the check into their account. 
XXXX : We contacted Wells Fargo , reporting the incident as a theft and check fraud.

Wells Fargo 's Response : Wells Fargo 's customer service informed us that anyone can deposit a check, and it is treated like cash. They stated that if we lost the check, we lost the money. This response is unacceptable, as it implies that Wells Fargo has no responsibility in preventing check fraud. 

Lack of Accountability : Wells Fargo 's lax security measures and lack of accountability have enabled this check fraud scheme. As a financial institution, they have a responsibility to protect their customers ' funds and prevent fraudulent 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a navy federal member over 5 years now and an outstanding member to my bank. I am grateful and have maintained my payments, without knowledge of the banks policy I was completing payments on time, I did not know my account was going to close. I spoke with a representative he said pay more pay my credit down and I cant reopen the card. I was given false information. The fees that where added on my card with me explaining my situation and my home was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I live off of my credit and I try to use what I need, I have picked up more shifts and paying other credit cards down. Just need to know if this is true about my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We have a credit card that is quite old and no longer used. I decided to close the account. To do that you MUST call Citibank. When I did that, I was transferred multiple times and hung up on. XXXX hours later I can't get anyone to actually close the account. It is obvious they are trying to make the process as painful as possible to get people to give up and leave the account open. It's essentially fraud and I should be able to terminate a credit card account without speaking to multiple departments.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Affirm accounts opened XXXX reporting as a charge off/written off with a balance of {$1200.00}. - company still reporting fraudulently as a negative debt, however, the company has filed it as a loss and did not provide me with a 1099C to report as income. 

Affirm account opened XXXX reporting as a charge off/written off with a balance of {$160.00}. This account was paid in full, company fraudulently reporting as a negative debt, however, the company has filed it as a loss and did not provide me with a 1099C. 

Affirm account opened XXXX, reporting as a charge off/written off with a balance of {$170.00}, Company fraudulently reported as a negative debit, however, the company filed it as a loss and did not provide me with a 1099C to report as income. 

Affirm account opened XXXX reporting as a charge off/written off with a balance of {$580.00} Company fraudulently reported as a negative debit, however, the company filed it as a loss and did not provide me with a 1099C to report as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
This predatory Personal loan has already reached the statute of limitations. I last spoke to the original creditor in 2015. This was wrongfully just added to my credit report. This is affecting my chance for a house and for job employment. I asked oliphant to verify debt on their chat and they never did. Instead after treating me poorly and unfairly they decided to send me a new letter under OLIPHANT XXXX LLC. 
They then sent me another letter for XXXX XXXX. Then a few months later they sent me another letter for XXXX XXXX XXXX. 

They routinely change company name. This tactic is confusing and wrong. They routinely call from different phone numbers and say they are all different companies. I want them to stop and to remove this collection from my credit report. It is affecting my chances at a house and its wrong. I do not owe this loan. It was forgiven during XXXX XXXX and hasnt been paid and well past limitations timeline for my state. I asked them to stop and remove credit reporting collections but this company is deceiving and hard to handle myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX  Wells fargo sold mortgage to XXXX XXXX  for {$180000.00} they sold it back to Wells Fargo. 
No appraisal. 
No fund deposit to my bank which would be purpose of using equity. 
Wells Fargo for {$190000.00}. No cash was exchanged. Between the two mortgage companies. They turned property that cost me {$65000.00} to value of {$180000.00} then to {$190000.00} without appraisal. The current balance is {$130000.00}. No record of {$190000.00} or {$180000.00} ever transferred to my banking 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 2024-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid money to XXXX XXXX  to someone named XXXX XXXX and through XXXX XXXX same name and the company was called XXXX  XXXX XXXX, they then said I was denied the loan and would return the XXXX amounts of XXXX and XXXX within 25 days this was provided via phone and now their phones are down and website is no longer there so they scammed me. I didn't receive the product of XXXX for the collateral asked of me and my bank Capital One is refusing to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
XXXX compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX

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