vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Credit Card : This is a Request for Documentation of Legal or Equitable Chose in Action. Please forward to the legal counsel of Wells Fargo. A response is expected with 14 days.

Please see attached. 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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I realized today that Amsher # XXXX is on my XXXX credit report, The information being reported is FALSE and amsher never sent me anything before I seen it today on my XXXX credit report. 

I received nothing from this company notifying me regarding this alledged debt that is not mine. 

I will sware in a courtroom that this debt does not belong to me and that I never had an account with XXXX or amsher. 


I am requesting complete validation as I dispute this debt in its entirety. I also request the purchase agreement that they have with XXXX 

I also am requesting this alledged debt be removed from all credit reporting agencies that amsher may be falsely reporting this debt to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 

XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 


XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent.

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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My husband and I share a credit card and we each have XXXX in our own names that we use all the time. We created Venmo accounts in 2020 using our card and a few months later Venmo froze our accounts because we used the same card. We've been trying to delete/deactivate our accounts for XXXX years since then and have given Venmo photos of our ID, bank statements and credit cards showing our names and account numbers. They even made me send a selfie of myself with my ID card. They WILL NOT close my account even though I have provided above and beyond all the information they requested. I've asked to talk to managers and they will not answer me. I believe this has to be some kind of privacy violation for a company to not close a financial account that I have requested to be shut down. Can you help me get my account closed and reprimand Venmo for this violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXXeports regarding the account that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: IA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date of inquiry : XX/XX/2022

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX  || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield is reporting an incorrect collection and balance of {$5300.00} as XX/XX/year> for a joint account. XXXX XXXX XXXX is the reporting original creditor. The debt is being settled with the owner by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: MD

Complaint narrative:
KIMBALL TIREY STJOHN Original creditor : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> They have not provided debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/year>, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the 1099-C. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-03-07 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: IL

Complaint narrative:
I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

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 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
My card was stolen, and charges was made on my account without my knowledge or permission. I filed a dispute with PayPal Prepaid, and I was told to write a letter requesting a provisional credit within 10 business days. I wrote the letter and also submitted a police report. It has been over 10 business days and I still have not heard anything back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In my understanding, FCRA 605B mandates the deletion of any erroneous accounts from my credit report. Could you verify the documentation? A few of the mentioned accounts appear to be inaccurate, causing me unease.

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 2024-03-07 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: IA

Complaint narrative:
I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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