vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery Associates ; This is fraudulent account!!! I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-07-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened two CDs with my bank ( WellsFargo ) in XX/XX/XXXX and again in XX/XX/XXXX. Each was for {$5000.00}, and each had a term of six months. When they matured, the bank rolled them over into four-month CDs that pay a much lower interest rate, even though the bank is advertising rates on the six-month CDs that are little different from the ones I secured when I opened the accounts. So, that's a little sleazy. 

But what really galls me is that they made it so hard to get my money out. They gave me a one-week window to close the new account without penalty, but said I had to show up IN PERSON to do so. I would have sent my spouse with a POA letter, but the banker told me that they would only allow POA letters that were previously approved by the bank 's legal department. They thought of everything. 

So now I have {$10000.00} stuck in Wells Fargo. If I withdraw earIy they charge me XXXX of the interest I would have earned, ( as far as I can remember from the call I had with the bank last week ). 

I remember XXXX years ago how much hot water Wells Fargo got into by incentivizing its employees to open unnecessary accounts for customers, who were then stuck paying fees on these accounts. It sounds like the culture of XXXX XXXX  has not changed there! I'm sure I'm not the only one frustrated by these practices ; it's a really big bank. So please, whatever you guys can do to embarrass or litigate them into better behavior, would be much appreciated! 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
Upon further review it has come to my attention that I have been victimized by identity theft and there are currently XXXX fraudulent accounts and XXXX UNAUTHORIZED INQUIRIES XXXXXXXX XXXX on XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX ran it twice on two separate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
Upon further review it has come to my attention that I have been victimized by identity theft and there are currently two fraudulent accounts and four UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX ran it twicXXXX XXXX XXXX XXXXate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear MACYS/CBNA ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I received this email in my mailbox today. I do not have, nor have I had a chase card in over 10 years. I have never had a southwest credit card. 

I have no Idea what the account number is or how they got my information. 

Chase is either fraudulently trying to get money from me or it is a scam with their email/website address. They do not provide any way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: WY

Complaint narrative:
I purchased an XXXX XXXX XXXXXXXX XXXX  XXXX from apple.com with my apple card from Goldman Sachs on XX/XX/XXXX. 

I finally discovered/realized that they had sent me the wrong phone ( XXXX XXXX XXXX XXXX XXXX instead of the XXXX XXXX XXXX XXXX XXXX ), but also billed me for an XXXX XXXX XXXX XXXX XXXX. 

I am currently using the XXXX XXXX XXXX XXXX XXXX which I have agreed can stay, but Goldman Sachs has consistently refused to take the fraudulent amount of {$1500.00} and another {$190.00} despite Apple telling them numerous times that they do not have ANY records of me making such a transactions. 

I have spend hours on the phone with them begging them to take the fraudulent charges away ; not only do the continue to ignore me, they refuse to take the charges off and they have also reported me to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Contemporary Information Corp
State: DE

Complaint narrative:
I dont know who this company is I didnt give them permission to report on my behalf. This judgement is settled and hurting my chances of getting approved for housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX XXXX  Reported to Equifax with an account number of XXXX and also reporting to XXXX as a charge off with payment history and through XXXX with no two year payment history reported at all. These accounts are incomplet and inaccurate.

I mailed out a letter to each of the previously mentioned companies on XX/XX/year>. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the 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.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or 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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8. 

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I received and email from XXXX XXXX/TD Bank that stated If I opened my account prior to XX/XX/XXXX, I needed to reset my password. I made several attempts, but each time, the system stated that my information was incorrect. Now I am locked out of my account. I have tried calling this company numerous times at the provided telephone number ( XXXX ) XXXX. However, nobody answers the telephone. I have waited at times for over XXXX hours during their normal business hours and nobody will answer the telephone. Now I am locked out of my account, and nobody will assist me with gaining access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: NJ

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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number 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 : Its 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 1681sXXXX2 ( 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 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