vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did not receive a notice of debt owed or any bills or letters about an account that XXXX claimed I owe. I noticed the account on my credit report and I sent a certified letter XX/XX/2021 requesting the alleged debt that is reporting to my credit report be validated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX did not provide me with any documents or information to validate the account. 

First thing I need to see is an agreement with your client that grants you the authority to collect on this alleged debt. I need this information below as requested. If you can not provide ANY of these requests for you to legally report and collect for this account : The account name is XXXX XXXX Account # XXXX Agreement that bears my signature of alleged debtor wherein he agreed to pay the creditor. Alleged account number and address on file for alleged debtor. Name and address of alleged creditor. Name on file of alleged debtor. Date of original charge off or date of first delinquency of the alleged debt. The exact amount of the alleged debt. Date this alleged debt became payable. Verification or proof that this alleged debt was assigned or sold to collector Complete accounting of the alleged debt. Were any judgments obtained by any creditor regarding this alleged account? Any insurance claims made by any creditor regarding this alleged account. The commission for debt collector if collection efforts are successful and paid.

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 2021-12-22 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: SC

Complaint narrative:
I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, TransUnion has not removed. TransUnion has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/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 2021-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After no response from my written request to XXXX XXXX to show any contract I have with them. I wrote experian asking to send me the written authorization to place an account from XXXXXXXX XXXX for {$130.00} on my report. 
No reply from either company is continuing to hurt my credit as a federally protected consumer.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have proof that Wells Fargo received a letter from me requesting to verify and validate an alleged debt that came from my social security card. They also received a cease and desist along with this debt validation letter on XX/XX/XXXX. Wells Fargo then sent a 3rd party company ( that was not included any where in the initial communication ) to take my vehicle on XX/XX/XXXX. Wells Fargo then sends me a letter, that I received on XX/XX/XXXX. This letter was titled " Notice of our plan to sell your vehicle ''. This was the first time I had heard anything from Wells Fargo since my original letter was received 41 days prior. I have called Wells Fargo multiple times between XX/XX/XXXX and XX/XX/XXXX, and talked to a case specialist by the name of XXXX XXXX, who harrassed and lied to me multiple times ; I have evidence of these interactions. Since then I have filed complaints through the XXXX  OCC, and FTC. Wells Fargo has replied after the repossession letter addressing my concerns of their violations on XX/XX/XXXX. The letter they sent me had false and misleading information and they still failed to validate or verify this alleged obligation, while confirming they have received my original letters on XX/XX/XXXX. I have also stated their violations of the FCRA, TILA, and my right to privacy in affidavits as well. I have yet to this day, XX/XX/XXXX, received a proper response from Wells Fargo, yet they have continued to steal my property, share my private information without my consent, and neglect my rights as a consumer. Wells Fargo continues to send me the same letter, even after being presented with violations and new questions.

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 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: NY

Complaint narrative:
On XX/XX/21 I paid off my mortgage with Synovus Bank. I was told to expect a payoff letter within 60 days. I did not recieve this letter and called on XX/XX/21 to check the status. I spoke with XXXX XXXX who said she would email it to me. Still did not recieve it and left 2 messages in XXXX and another on XX/XX/21 to notify XXXX XXXX and asked for a return call. XXXX XXXX does not respond, I called again on XX/XX/21 however this time to XXXX. XXXX stated that she would send a message to the mortgage department and someone will call me. I am continually being ignored by this company and I still don't have my payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support

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 2021-12-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support

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 2021-12-22 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: UT

Complaint narrative:
I informed Experian the Public Record - Bankruptcy being reported on my report was not mine and asked to have it removed. In fact, of the 3 credit reporting agencies, only Experian is reporting this Public Record. 
It was verified as accurate and remained on my report. This is causing a huge financial burden as I am trying to qualify for a VA XXXX loan. 
I requested evidence this Public Record was mine and the mode in which they verified the account. I was not provided with any information. 
***SEE ATTACHED LETTER FROM BANKRUPTCY COURT*** The court does not verify ANY bankruptcies and on partial personal information is provided, which makes it NOT VERIFIABLE!!!

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 2021-12-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX I received an email regarding a replacement card that was sent to me. I immediately called the bank as i did not request a replacement card. The representative that I spoke to on that day indicated that a new card was being sent because there was a new feature that was added to the card. She indicated she could activate the card for me to which I responded no, because I had not yet received that card. Towards the end of XXXX I logged on to my account to pay my bill and noticed that they were several charges on my account that I did not do totaling over five thousand dollars. I immediately called and informed the bank about the charges and requested that the card be closed and a replacement and to be sent VIA XXXXXXXX, with signature required at delivery. Please note that I still had my original card in my possession and had not received the replacement card that was sent earlier in the month. The card I requested to be sent to me via XXXX was received. An investigation was allegedly done by the institution and they are accusing me of making those charges. I will state for the record that I never received the card neither did I activate the card or make those purchases. I have requested proof that I made the charges and no proof was provide. I was told that nothing else can be done.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Experian has not removed any of these items. Experian has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXXXXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/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 non-monetary relief
Consumer complaint received 2021-12-22 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: CO

Complaint narrative:
I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help

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 2021-12-22 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 — Investigation took more than 30 days
Company: MECHANICS BANK
State: FL

Complaint narrative:
My car was totaled in an accident.The insurance company was in communication with Mechanics bank. There was a administration lapse of communication between Mechanics bank and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took Mechanics bank another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car totaled and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent Wakefield and Associates a letter asking them to simply verify the debt I supposedly owe them. I asked for original documents including my signature and how they calculated the debt. 
On XX/XX/XXXX, I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated HIPAA by sending over my medical record number, procedures, and a lot of other personal information I NEVER requested. I never signed a HIPAA form requesting them to access and send over my medical history. They have violated my rights and I will be taking this a step further by filing a HIPAA complaint as well. Not only do I feel violated, I am disgusted at the fact that they should know better!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Victorias Secret close my account due to lack of use for one month all payments were made no calls or letters were sent to me advising that the account will be closed due to lack of use went to the store to use my card and was advised that the credit account had been close I reached out to Victorias Secret to speak to someone about reopening account it was advised that I will have to reapply for a credit card which would cause another hard inquiry on my credit this was unfair and a violation of my consumer rights

Company response to consumer: Closed with explanation