vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX . Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed immediately.

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 2023-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
On today XX/XX/2023 at XXXX XXXX  I placed a call to Radius Global XXXX  at XXXX. I called wanting to settle my debt. The person indicated that they were not a collection agency and they worked for XXXX XXXX and they could not settle. I asked if they were not a collection agency, how did they get my debt? The person could not answer the question

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 2023-09-08 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: IN

Complaint narrative:
It is saying I have accounts on my credit and I know I did not open them this is with out my knowledge and is affecting my credit and I reported it to TransUnion and they will not investigate

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 2023-09-08 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance LLC forged my signature on the Truth in Lending Disclosures. I received in the mail. My name is XXXX XXXX XXXX. 

I never signed or agreed to nothing on the Truth in Lending Disclosures. 

XX/XX/XXXX  I requested the TILA information in person with the Finance Manager. 

Now Exeter Finance LLC has forged a signature of XXXX XXXX and I never saw this contract about TILA. 

I always sign any documents with my government issued ID name XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I bought XXXX XXXXXXXX XXXX convertible from a dealership in Florida called XXXX XXXX in XXXX XXXX. I paid the gentleman through bank transfer and zelle a total of {$6600.00} for the price of the car and the transportation. He did not send me the car with the {$650.00} I sent him he kept the money. Waited 2 months to ship me my title. Never received the bill of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letter to Equifax asking them to remove UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, AND CLOSED ACCOUNTS. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX ) FAIRCREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 ( FCRA ) This is my third attempt to fix this issue. Equifax has failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It been a total of 60 days, I will attached to letter sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: RNN Group, Inc
State: GA

Complaint narrative:
I received a call from a company called RNN Group. They claim to be employment verification. I have not applied for any new employment or a big purchase such as a house or car. This person calls everyday and sends emails but will provide no infiormation verifying who they are or who they respsent in the verification. The person calling gave the name of XXXX and a reference number. I reached out. This person was not at their desk the 3 times I called. I left a message. So I called the main line and the person that did answer ( XXXX ) would not verify any information even though I had the reference number, rep 's name, and phone number which was given to me by HR.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells fargo sent me a letter of a dispute I filed saying they are going to be reversing the dispute and taking out the funds but the letter they sent were two and one of the dispute was closed and fine and the other said they will reverse the funds but the dispute is for the same exact 2

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 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I deposited a check for {$16000.00}. While trying to transfer funds from my savings account to my checking account, I realized that I wasn't able to do so. I called Chase and they explained to me that they have restricted my accounts because they have to verify the check. They threatened to close my account if the checks are not verified in 10 business days. I have done everything in my power to provide Chase with the necessary contact information for verifying the checks from the issuer. However, I must emphasize that the issuer in question is a large corporation, making it nearly impossible for me to establish direct contact with the individual responsible for issuing the check. On XX/XX/2023, my check for {$16000.00} was cleared, but my account remains unjustifiably restricted. This ongoing restriction has left me without access to my own funds, hindering my ability to meet financial commitments. If the check has already been cleared, the excessive demand for additional verification to confirm its legitimacy appears unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
ACIMA DIGITAL FKA SIMP continues to report an account to XXXX with a balance of {$3100.00} that doesn't not belong to me. I reached out to them by mail but received lack if response. Provided Police affadavits and dispute forms, they continue to report to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelson Cruz & Associates LLC
State: PA

Complaint narrative:
I called the company to dispute the debt and get the address of the correspondence. The person I talked to told me they were a federal agency and that I cant dispute the debt. She refused to give me the address for correspondence and repeatedly called me a liar before I hung up. I paid the collection due to it being a relatively low amount, now the collection agency is refusing to update my report, despite numerous disputes

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
My complain is in regard to my previous complaint with DOVENMUEH/XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I accessed 2 websites for gaming ( not gambling, you can not win money you purchase credits or coins to play games ). In the past I could see I was being over charged and contacted XXXX, I explained to them that I was being charged for coins/credits I did not receive. With no explanation for this issue they told me to keep a log of purchases. I did this and it would balance for a couple days then I would see a bunch of debits on my checking account. Finally I realized what was happening. If I initiated a purchase and it came back denied for NSF I was not given coins requested the purchase was declined. At that point nobody is out. Then after my bank would go back and pay these amounts because I have over draft protection. So XXXX  was paid for a transaction that was declined and should have stopped there. I was never informed at a later date of overpayment or anything of the kind. They would just take the money. 
Now I have researched back to XXXX and identified over {$12000.00} of NSF items and XXXX said they could see when a purchase was declined then later paid but said they couldnt tell if I received the credits or not, they just sweep the account. I submitted a claim for refund to their system and it was denied. They told me they could resubmit the claim but it would probably be denied because it doesnt recognize these unique circumstances. XXXX did say that if my bank filed a chargeback the request would more than likely not be denied. I filed a dispute claim with Wells Fargo and they closed the claim within a few days with no email or call or anything to me. I have tried to speak to a manager and have been denied each time being told a manager was not available, and that one would call me back which to this point has not happened. It is clear to XXXX and to Wells Fargo that this has happened but neither is willing to help me. This is not a case if buyers remorse or anything. I dont want my money back for credits I received. I want my money back for the money that was taken erroneously/fraudulently. 


Dispute History Check the status of all your disputes. 
Account Number XXXX XXXX ... XXXX DateTransactionAmountClaim Number Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, XXXX XXXXXXXXClaim Number,XXXXStatus : Closed Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, $ XXXX XXXXStatus : In Progress Cancel Dispute

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I noticed a new collection account on my credit report for progressive insurance. As soon as I did I called XXXX and they informed me to call Credit Collection Services. I paid the amount in full and the representative on the phone promised the collection would be removed from my credit report. It has been a few months and the collections is still showing on my credit report as paid but not removed as the representative promised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rigths. 

15 U.S.C section 602 A States I have the right to privacy.

15U.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 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 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my 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 2023-09-08 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: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my 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