vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I have received multiple calls, which when I do a reverse number lookup are for debt collection services. They ask for a person with a similar name, but not me. I've told them at least XXXX times already it isn't me, but the calls keep coming. I've asked why is my number associated with this person, and they don't answer, but my own research seems to indicate they purchase information from some company which must have my number associated with XXXX ( I've had the same number since XXXX  ). 

The call today the person said their name, asking again for the similar name as me ( XXXX XXXX vs XXXX XXXX, I do not know nor am related to anyone named XXXX ). When I asked what company they were with, they refused to tell me, and just repeated his name. I again asked what company, he asked if I was XXXX not tell me, and I said " You called me, I'm not saying anything else until you identify yourself '' and they hung up on me. I've tried doing the right thing by saying I am not who they are calling for, yet it keeps happening. For reference, the calling number is XXXX, which reverse lookup seems to say is something called The 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
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This Consumer Reporting Agency ( XXXX XXXX, Experian ) unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

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 2023-07-19 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: FL

Complaint narrative:
I recently received communication from Experian, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX, and XXXX never responded! 

Furthermore Experian, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Experian, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, there were two charges made on my credit card via XXXX XXXX that I did not make or authorize. I was traveling to XXXX XXXX from XXXX XXXX XXXX where I live, which is where the charges were made. I received an automated text message from Wells Fargo on XX/XX/XXXX with whom I bank and have my credit card through alerting me to possible fraud. I acknowledged the text message with a " Y '' and called Wells Fargo on XX/XX/XXXX when I saw that the two charges were on my credit card statement and noticed that I no longer had my credit card and that it had been compromised. On XX/XX/XXXX Wells Fargo canceled my credit card, credited the balance to my account, and sent me a new credit card. In XX/XX/XXXX, I noticed that the fraud charges were placed back on my account. I called Wells Fargo and they told me that they found the charges to be valid because I authorized the charges when I responded to their automated text on XX/XX/XXXX with a " Y ''. I explained to them that I did not realize I was authorizing any charges, and that I was acknowledging their message. I asked to have the claim reopened and that I could submit documentation showing that the credit card used to make those charges was never associated or linked to an XXXX XXXX account. I submitted the documentation via mail after multiple failed attempts from my local Wells Fargo branch to fax the documentation with the fax numbers provided. Wells Fargo again denied my claim despite me showing that I did not have an XXXX XXXX account. They were never able to identify or get in touch with the two merchants to whom the charges were made. The two charges were : XXXX XXXX XXXX XXXX CA for {$450.00} and XXXX XXXX XXXX XXXX CA for {$85.00}. Wells Fargo told me that because I have other charges from XXXX XXXX XXXX XXXX XXXX XXXX CA that I must have known the first merchant. I explained to them that XXXX XXXX  is a local coffee shop here in XXXX XXXX XXXX, and that they do not have a location outside of XXXX XXXX XXXX and that it is not the same as the merchant that {$450.00} went to. I have asked Wells Fargo to reopen the case three times and each time they denied it for the same reason. I am not responsible for both of the charges that I did not make despite me never having had an XXXX XXXX account linked to the compromised card, AND my card not being in my possession at the time. Thank you.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a new complaint in that now American Express is ILLEGALLY, FRAUDULENTLY, and UNETHICALLY charging me interest on an American Express credit card that I followed ALL the required procedures to COMPLETELY/ENTIRELY close out more than 2 months ago!!! They are doing to retaliate against me because, in the XXXX consecutive years I had a credit card in COMPLETELY good standing with them, I NEVER ONCE had to pay them XXXX cent of interest because I completely and timely paid my ENTIRE undisputed balance EVERY month!!! As we all know, they hate those card holders. I do not now owe them XXXX cent of interest and they KNOW IT!!! I am NOT paying their fraudulent, unethical and illegal interest they keep trying to charge me, especially NOT on a CLOSED ACCOUNT!!! 

Even after being with them for approximately XXXX consecutive years, during which they earned thousands of dollars of " float '' from my charges onto my American Express card ( which is why credit cards exist!!! ), American Express fraudulently charged me interest while they were " investigating '' charges that I had properly ( exactly following THEIR procedures ) put into dispute status over the last approximately 9 months. Despite my detailing this to them in numerous phone calls over that 9 month period, they kept fraudulently adding/accruing/compounding interest EVERY month!!! 

So, I had no choice but to entirely close out that American Express credit card about 2 months ago. Now American Express has the AUDACITY to continue trying to FRAUDULENTLY and ILLEGALLY charge/accrue/compound interest on an ENTIRELY-CLOSED-OUT credit card account!!! What scammers!!! XXXX XXXX XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express my deep frustration and concern regarding the closure of my personal checking account with Bank of America. It was closed on or around XX/XX/XXXX, and I was not notified of this action. 

When I attempted to pay for my medical bill, I discovered that my account was locked. Upon contacting the account closure department, I was informed that there were two options to retrieve the outstanding balance left in the account 1 ) Withdraw from a financial center if request is approved or 2 ) wait till account is officially closed to have a check mailed out. I submitted a request on XX/XX/XXXX to withdraw the funds at one of your financial centers, but I have yet to receive a response or any updates. I was informed this request usually take 5-10 business days. The request was put in XX/XX/XXXX and it is XX/XX/XXXX and i still haven't received a response yet Moreover, the estimated official close date for my account was XX/XX/XXXX, and it is now XX/XX/XXXX, but I have not received any confirmation on whether the account has been officially closed or when the check will be mailed to me. 

This situation has left me unable to access my life savings and essential funds needed for my medical expenses, rent, and other financial responsibilities. I have a XXXX scheduled, and I fear I may miss it due to this incident. 

I have been trying my best to be patient and respectful throughout this process, but the lack of communication and delays are causing significant distress and financial hardship. 

I urgently request your assistance in resolving this matter and providing me with prompt updates on the status of my account closure and the issuance of the check.

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 2023-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I've spent a whole month trying receive funds transferred to be deposited into my own account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hello XX/XX/23 I noticed a car loan taken out under my name which appeared on my credit report. Which damaged my XXXX XXXX significantly. I had called the credit card company XXXX on XX/XX/23. They had told me an individual named XXXX XXXX had taken out the loan which I have no idea who that is. The company Ally financial which is the company that the car loan was taken out of. is located in XXXX, Michigan. I have never been there or plan on going there. I am in no position to be taking a XXXX car loan.

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 2023-07-19 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: Upstart Holdings, Inc.
State: OK

Complaint narrative:
I have a personal loan with upstart.com. I paid all of my monthly payments on time except for this situation. At the end of XXXX, I sent an email that the agency I work for had a payroll issue that deleted me from the system. I did not get a paycheck for 30 days. Meaning I did not get paid until XXXX. This means I was not able to pay any of my bills during that time. I reported this to everyone I make payments to Upstart would send me emails saying they did not recognize my email. Then they sent my info to collections and said a third party is handling it. I then set up for payment to be made in XXXX and it said the payment had to be made before they would take it out of collections. Now today XX/XX/2023 after they said it was sent to collections last month they have reported me as two months late. They dropped my credit score by XXXX points. Which has placed me in poor credit status. They also dropped my credit score by XXXX plus points when they sent it to collections. So now they have dropped my score XXXX points. I reported to them my issue and they did not reach out once to try and work with me on this issue. Not one time. This is wrong and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on 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 2023-07-19 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: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on 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 2023-07-19 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: GA

Complaint narrative:
XXXX XXXX has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue XXXX XXXX, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by XXXX XXXX, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so XXXX XXXX can and will tkae me serious, XXXX XXXX has open this fraudulent account and has forged my signature on this account, i will sue XXXX XXXX  for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident

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 2023-07-19 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: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
In XXXX of 2023, I had my cell phone stolen, while in XXXX, Ohio. My check card was stored in my XXXX XXXX  and was compromised. My loan payment that was made to The Tower Loan was returned, due to the fraud on my checking account. I have enclosed a copy of the police report from the XXXX police department. I did speak with the Manager XXXX on Monday, XXXX XXXX at approximately XXXX, and he told me to pay XXXX dollars on the account and the late payment would be removed from my credit. I am giving the loan company 30 days to remove the late payment, or I am moving forward with bankruptcy. I am not going to held responsible for the negligence of someone else or have to wait 2 years to buy another house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
In accordance with 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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief