vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I requested from Portfolio Recovery Associates the following documents below as I need to see the following documents to lawfully authenticate the alleged debt you are claiming I owe. 

1. Chain of ownership.

2. Purchase agreement.

3. Evidence of license to collect in Florida.

4. Full account history which includes Full disclosure of account history, payment history, any interest, and fees from XXXX balance to current amount allegedly owed to portfolio Recovery Associates. 
XXXX. Any person with first-hand competent knowledge of the alleged debt who can testify under oath or under penalty of perjury of account ledger in question. 

I also provided a link showing that they were repeated offenders for the exact same violation as described in both my dispute letters. See link below https : XXXX On or around XX/XX/XXXX I submitted another complaint to through the CFPB demanding them to CEASE ALL COMMUNICATION, COLLECTION ACTIVITIES AND CREDIT REPROTING and to date they are still reporting unverified information on my credit file and credit report. I also let them know that they have failed to provide lawful verification of the alleged debt as required under law. Specifically, I demand : XXXX. Lawful XXXX of XXXX XXXX You have not provided documentation verifying the legitimacy of the debt you claim I owe. 
2. Full Disclosure of Purchase Agreement You have not supplied the full purchase agreement for my review, which is necessary to determine the authenticity of the claim.

3. Sworn Testimony or Affidavit You have not produced any sworn testimony or affidavit under oath by someone with firsthand competent knowledge of the debt, as required by law. See Both attachment I am a federally protected consumer a natural living woman and i have XXXX  given rights and rights under the Fair debt collection practices act, Fair credit reporting act, Truth In lending act and Gramm Leach Bliley Act along with the privacy act of 1974. Under the FCRA you are required and obligated to investigate and lawfully verify any documents that i request and to make sure every information on my credit file is lawfully verified, accurate and complete. If you fail to lawfully verify information requested I demand that you delete or remove such information from my credit file and credit report or you will be held criminally liable under the FCRA pursuant to 15 USC 1681n willful noncompliance and 15 USC 1681o for negligent noncompliance and the harm you have caused to my life and family life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX  LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a creditor with several financial institutions where I can no longer afford to pay. I have a XXXX XXXX XXXX that causes me to lose work, and in some cases XXXX  is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my XXXX  if a settlement is offered. I am looking into filing a XXXX XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been working since XX/XX/XXXX when this whole nightmare began. I received a phone call from Wells Fargos customer service number. When I answered the guy on the other line began reading off legit transactions from my checking account. I just had fraud issues the week before so I thought great they are helping me stay ahead of it. The guy on the other line ended up walking me through what I thought was signing me up for fraud alerts on my phone. Little did I know he had wired almost $ XXXX to himself. During this phone call he had compromised my phone by forwarding all incoming and outgoing phone calls. I provided Wells Fargo with these call logs that were provided by my husbands XXXX XXXX XXXX rep for his company that clearly shows that my phone was compromised. I had to bring my phone into an XXXX XXXX XXXX branch just to get my phone reset. I reached out to my local police department that provided Wells Fargo with a full police report stating that my phone was indeed compromised. When I was contacted today to tell me yet again that my claim is being denied the Wells Fargo rep said that it is almost impossible to get an official report from XXXX XXXX XXXX. I dont know what else to do. Please help me! I need my money back and I have provided more than enough supporting documentation to show that my phone was compromised to Wells Fargo to get my money back yet they just keep denying me. I have been fighting this for over two months now.

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 monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX 
XXXX ), the court ruled that a consumer 's request to cease contact must be honored by t collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Im owed {$1000.00} I keep trying to call because I will be moving but they cant help me and this account is closed. I want to go into branch and receive money I stead of check. Letter code XXXXXXXX XXXX XXXX XXXX and 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 2024-11-13 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: CA

Complaint narrative:
I am disputing unauthorized inquiries on my consumer file. These unauthorized inquiries reporting on my consumer file do not relate to any transaction initiated by me. I need help with disputing with the credit reporting agency directly. I am requesting that you delete this inaccurate information within four days. I have attached the appropriate documents to support my dispute being proof of identity, social security card, and a ftc 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 2024-11-13 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: PA

Complaint narrative:
I recently reviewed my credit report and identified a fraudulent account listed. Please remove this account from my report, as it is negatively affecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IA

Complaint narrative:
As I was reviewing my credit report I came across unauthorized information reporting to my credit report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$970.00} XXXX  XXXX {$980.00}

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 2024-11-13 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: NC

Complaint narrative:
I'm a victim of XXXX XXXX I request the following accounts be blocked 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 non-monetary relief
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
After careful review of my Credit Report, I noticed two accounts that doesn't belong to me. Those accounts are XXXX XXXX XXXX, and XXXX XXXX. I have included these accounts in my Identity Theft Report. I also noticed one hard inquiry from XXXX XXXX XXXX that doesn't belong to me, nor have I gave them permission to run my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX 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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
For the past year and a half XXXX XXXX has been sending me XXXX payments for services provided to three different accounts which one is Wells Fargo. He then went to Wells Fargo and filed a fraud claim against six of the transactions when he in fact sent the money of his own volition. Without any investigation, Wells Fargo then proceeded to debit my account {$2600.00} for the transactions that XXXX sent me through XXXX. I made five separate trips to the Wells Fargo bank branch and probably called their claim complaint department a dozen times to no avail. The initial claim was filed on XX/XX/XXXX. When I called today again for an update the representative in the claims department asked me what I was hoping to have as an outcome for this and when I responded that I wanted my money put back in my account. She told me that was not going to happen. And then she proceeded to tell me that a XXXX transaction is as good as cash and is final. I told her she was contradicting herself and the original transactions were sent to me and then withdrawn From my account at XXXX request. She again told me that all transactions are final and they never reverse them. I told her one more time that she was contradicting herself because they reversed the XXXX transactions that XXXX had sent me. I ended up hanging up on her because I was so frustrated. In speaking to other people employed at different banks, and even to the banker at Wells Fargo when I was in the branch, nobody has ever heard of this happening and said that it was very strange that they did this. Im not asking for anything extra I only want the money back that was mine. The whole situation has made me feel very dismissed and not heard. Nobody that Ive spoken to throughout this whole two weeks has seemed to care or wanted to listen to anything I had to say.

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 2024-11-13 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: SC

Complaint narrative:
I had an account with XXXX acct which I never was contracted through them but said they were servicing my loan in XXXX was never late and was removed from my XXXX XXXX XXXX due to inaccuracy and fraudulent practices.XXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/XXXXXXXX  with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. XXXX XXXX  reported 25 late payments XXXX XXXX reported 35 late payments XXXX XXXX reported 32 late payments XXXX XXXX reported 30 late payments XXXX XXXX reported 57 latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT PROFILR IMMEDIATELY OR I WILL BE REQUESTING ALTERNATIVE RESOLUTION DISPUTE WITH DAMAGES FROM CREDITOR ( XXXX  ) AND DATA FURNISHER ( EXPERIAN ) THIS ACCOUNT IS A DIRECT VIOLATION OF FCRA. 15 U.S.C 1681

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 2024-11-13 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: DC

Complaint narrative:
filed a dispute for inaccurate information on my credit report, but I received an email from the credit bureau claiming that they assume the disputes are coming from a third party. In reality, the disputes were submitted by me directly. I even called them to confirm my identity, but they still refused to process my disputes. This situation has been very frustrating, as I spent money mailing my disputes and sent personal information through the mail to verify my identityonly for them to fail to thoroughly investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation