vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-07-26 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
LVNN : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety for the SECOND TIME. Further, I request VERIFICATION of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, INCLUDING credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) (
2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable Please provide me with the name and address of the persons who allegedly verified the alleged debt along with my written consent in wet signature permitting you to furnish this account on my consumer report as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AL

Complaint narrative:
My dad was given a prepaid card from his company and he gave it to me to use. I tried to check the balance using the website and number on the back of the card to figure out if I already used them or not. When I called, they told me that they are not able to provide any information because I am not the owner of the card. I asked my dad to call them and they told him that he is not registered under the card either. They told us to send government proved photo id to verify our identity. It was very weird for gift card company to ask for our personal information please help us out. They told us that we are not able to use the card until we can provide our personal information to 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
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a follow up complaint regarding the ongoing issue of fraudulent items on my credit report. Despite multiple attempts to resolve this matter, these inaccuracies persist. This letter marks my multiple attempts to address this issue, and I am seeking immediate action to correct these fraudulent entries.Despite providing all necessary documentation and evidence to support my claim, these fraudulent items remain on my credit report, negatively impacting my credit score and financial standing. 
I am asking for your help to immediately remove the fraudulent items from my credit report and provide me with written confirmation of the removal. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On Thursday, XX/XX/XXXX my boyfriend sent me XXXX payments Through his mobile banking App XXXX XXXX XXXX the first payment made was {$25.00} and the second payment made was {$1.00}. He got email confirmation that the payment had been sent and processed, but I never received anything in my bank account. I usually get notified when I receive a XXXX payment but I was not notified so I checked my activity center and they had no list of Those payments coming through.

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 2024-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
An account ; JEFFERSON CAPITAL LL shows up on my credit report as a collections status of {$190.00} opened on XX/XX/year> as the original creditor, though I never contracted with this company nor do they show up on XXXX XXXX XXXX XXXX, however JEFFERSON CAPITAL SYSTEMS LLC XXXX # XXXX does show up. I can only assume that is the correct company and they are not licensed to conduct business ; debt collections in florida where I reside. All though the account was " verified '' via a credit reporting agency dispute, I claim this is an error/ false reporting of a supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I took two negotiable instruments to Truist Bank to be processed and credited to our business account. They reviewed my documents beforehand and told me how the documents were to be handled through their domestic collections department then provided a receipt stating that the credits would be applied to our account in two weeks. The instruments are payments for invoices for services we have provided for a client that is a Trust. The negotiable instruments are to be treated as a money order and should have cleared as certified funds. It has been several weeks, and the credits have not been applied to our account, furthermore the legal team or any management has not communicated to me the status of the instruments and has not answered my questions about the location of my documents which is valid legal paper. Truist is in non-compliance as they have mishandled my documents and have not successfully fulfilled their duties as a transfer agent, Truist has fiduciary duty to process any instruments they accept in a timely manner. My instruments are legal paper that were to be paid at sight. I have contacted the issuer as well as the treasury who have stated that Truist has not attempted to process and collect the funds. It is completely unacceptable and unprofessional for them to simply ignore all communication from me. Truist is in violation of the XXXX XXXX  on XXXX XXXX XXXX XXXX and International Promissory Notes of XXXX, in particular Articles XXXX, XXXX, XXXX, XXXX and XXXX. Truist is also in violation of The Bill of Exchange Act of XXXX which stipulates how Bills of Exchanges and Negotiable instruments are to be treated. The branch managers nor Assistant Attorney of Truist has responded to my voice messages or emails.

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 2024-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern, On XX/XX/year>, I received an email from XXXX XXXX a division of Webster Bank N.A., that stated they were changing the investment account that would be available to me from XXXX XXXX to " XXXX XXXX ''. I was happy with the fee schedule at XXXX XXXX and XXXX XXXX Included in the changes to XXXX XXXX  are new fees that they are charging to the account, with the minimum fee being 0.1 % per year. In addition, I would now be forced to invest with " XXXX XXXX '', a new broker I don't know and I am not comfortable investing with. I gave XXXX XXXX  a call, and they confirmed my only options were as follows : XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and then move the money to another company for a {$25.00} fee. 
XXXX ) Liquidate assets in my XXXX XXXX XXXXXXXX, thereby realizing slippage losses on the transactions, and move them into the new consolidated account at " XXXX XXXX XXXX, where I will incur annual fees that are no less than 0.1 % of the account. 

I think it's ridiculous that a company changes their rules so that, no matter what you do, a customer is required to pay fees that they did not wish to pay in the first place. I ask that somebody take a look at this and direct XXXX XXXX to allow free transfers for customers not wanting to participate in their new program. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 



WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, XXXX CARD XXXX, WELLS FARGO CARD SER 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 2024-07-26 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife and I were both scammed by this company by the name of XXXX XXXX XXXX ( XXXX XXXX XXXX ) where we were promised various accomplishments if we would join their team. After couple months in we noticed things weren't how they said they would go and so we reached out to their " customer service '' representative after explaining our concerns they ended up saying the services were rendered which they weren't. We started looking a bit further and reached out to other members that joined the same time we did, and they also started making complaints to the company. Months passed and the company came up on the news stating that they were making fraud by promising to their customers an easy way of making money by joining their team of investing in properties. They are currently being investigated and the FTC is also being involved in this case which the FTC advised the affected customers to reach out to the bank institution and try to get a refund of our money. We then reached out to my bank institution which is Bank of America we explained the whole situation and a claim was opened. We received feedback on the case and unfortunately, we were not lucky enough to get out money back one because of how long it took to open a claim, and second because there wasn't sufficient information to prove there was an error in the transaction. We called and explained FTC advised us to open a claim, but they still did not solve anything for us. A lot of members that joined the same time we did were lucky enough and got their money back unfortunately we haven't seen any update on our case. We have receipts of everything including email conversations, total amount that we need refund on, letter of case denied by our bank institution, Whatever proof we can provide for someone to help us on this please we beg for help since it is a lot of money we worked hard for and only wanted a better life for our kid.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently dealing with identify theft and the thieves are calling into XXXX and XXXX to unfreeze or unlock my credit report. These XXXX credit bureaus do not offer adequate security against identity thieves that has your address, date of birth and social security number. Using these XXXX pieces of information they're able to pull your credit report using several different methods, including XXXX. All XXXX of the major bureaus uses your credit report as the security method to verify your identify. XXXX and XXXX do not offer methods of providing additional security to prevent further attempts on an individuals credit. They security of their online accounts can be easily bypass by calling into customer support to have the account login information changed.

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