vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX Account XXXX I purchased a cell phone from XXXX in XXXX or XXXX, 2023. I am an XXXX old XXXX woman who forgot her user name and password and locked the phone. I went to XXXX and they were adamant that there was nothing they could do and I would have to pay for a phone I can not use! I wrote Corporate and got the run-around from them saying there was no way they could unblock the phone. I have been paying on this for several months now and my balance is {$350.00} for a phone that does not work. I feel this is entirely unfair, plus now they have a debt collection agency sending me bills. My credit rating is most important to me and if you will check, it is in the XXXX 's. Is there any way you can help me? I feel I have been treated very unfairly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CO

Complaint narrative:
Ive made extensive efforts to have inaccurate information to be removed from my credit report. This includes inaccurate phone numbers, names, social security number and addresses. Ive sent Experian a copy of my FTC report they fixed most of the issues except the wrong addresses. Ive made phone calls, sent multiple letters to address this issue. I plan on taking legal action against Experian damaging my reputation and financial status.

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 2023-10-25 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:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

I got notified of a collection account from the 3 credit bureaus about a debt collection from a company called XXXX XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. 
A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits. 
I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX COLLABORATED WITH XXXX XXXX XXXX and it principal lending officer XXXX XXXX to STEAL almost XXXX after i signed closing documents. After I signed the closing docs to recivece XXXX XXXX XXXX callED the title company XXXX XXXX  XXXX PA TO STOP THE WIRE!!! WIRE FRAUD AT ITS BEST!!! SO THEY LATER SENT A DOCUSIGN SAYING IF I WANTED ANY MONEY I NEED TO SIGN.. 

PLESE DONT LET THEM GET AWAYY WITH THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-25 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: NY

Complaint narrative:
My personal information : Social security number, name. And address have been improperly used on my reports. I have been a victim of fraud and there are many inquiries on my credit reports that I did not request. 
The following inquiries are as follows : 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with Discover to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked Discover to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that Discover wrote off the balance. it does not say " Paid in full '' with a XXXX balance. Discover told me that's what it would say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-25 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 XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A .States i have the right to privacy.

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

Company 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 2023-10-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A .States i have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo XX/XX/2023 Deposit of {$78000.00} was made with {$400.00} included in available balance {$78000.00} will be available on XX/XX/. I have the printed receipt reflecting this availability and was also verbally reassured that the funds would be available on XXXX 

Overnight received a message from Wells Fargo with two amounts delayed {$72000.00} until XXXX  and {$5300.00} until XXXX which reduced the available funds from {$400.00} to {$220.00}. No funds beyond the {$220.00} was available as stated. 

I would have totally understood a check for this amount being held, but was told and given a printed receipt of the next day availability. Had I not logged into online banking I would not have been aware of the delay in funds, putting me at risk of overdrawing the account. I also made decisions about where and how to make this deposit totally based on next day availability.

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 2023-10-25 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:
remove all hard inquiries that were made without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a direct deposit to my WellsFargo checking account and it still has not posted after 3 business days. Direct deposits received before 2pm are supposed to post the next business day. What happens is WellsFargo shows the customer " available '' funds face up when logging into the account, but what is shown is actually not true. In the background, the account has a lower balance than what WellsFargo shows the customers when funds are " pending '' and not " posted ''.

This has been an issue for me in the past where WellsFargo has charged fees for overdraft even when showing me that I have available funds. No one on the phone was able to help. I had to go to branch manager and it took several conversations and over an hour to straighten out the situation. 
Again, WellsFargo is not posting direct deposit funds in a timely manner.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out to reporting agencies and discover to send me proof that they sent out billing statement 21 days before alleged payment was due and still have not receive the proof about this late payment. This is my second attempt to resolve this issue.

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 2023-10-25 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:
I signed up with XXXX XXXX whom said the represented XXXX  for an alarm service. 
I was NEVER told at anytime this was be reported as a XXXX  on the credit bureau, or was told or disclosed such information at anytime by the representative of XXXX XXXX. I ONLY gave them permission to pull my credit, no other authorization for anything else was given. This had also just dropped my credit score XXXX points, for being reported as a new account. 

Today on XX/XX/2023 I received numerous alerts from numerous credit card companies as well as Transunion saying a new account was opened in my name. At no time was I ever told this or I would never have signed any agreement for this service. I believe all information should be disclosed upfront and honestly, which they did not do at anytime. 
I am asking for the CFPB to investigate this companies fraudulent practices for non disclosure, companies should be upfront and forthright in there dealings with a consume XXXX I did try to resolve this matter by phone directly with XXXX XXXX and got nowhere.They would not help in any way to resolve this matter. 

I also called XXXX directly and they advised me they had nothing to do with this report, it was XXXX XXXX that misled me, not 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 non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
Hello I have contacted Aldous and associates collection agency months ago about a debt from XXXX XXXX XXXX XXXX. I asked them to send me validation of this debt along with the correct pay off amount due. After several certified letters and months letter no written reply. And when I called them they nasty rude and unprofessional and basically demanded me to pay an amount I know wasnt due. Spoke to the original creditor XXXX XXXX they told me the amount which was almost {$3000.00} being due. Which they told me that Aldous and Associates do not have the file another credit collection does XXXX XXXX. Which XXXX XXXX sent validation and the correct amount due. I am in contact with XXXX and making payments towards the balance. Why is Aldous & Associates refusing to stop reporting this negative fraud information to my credit reports? I am paying on this same debt to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Money was transferred from my checkling account unauthorized to unkown party via XXXX  payments. 3 different transactions were made in which I had no knowledge of who these payments were sent to. I do not have a XXXX  account or access to one. I also do no live in the state where they state the money transfers came from. The bank has not provided any information regarding what device these paymments were made on. I also have tried to resove this with the bankning instituion as I have been a loyal customer with no issues for 15 plus years. I had no reason to overdraft my own account and jeopordize my funds being deposited and charging additional finacial burdens on me. I am very disapointed because I feel like they did not investigate to ensure that there was no way I could have made the tranfers. I live in Ohio and the tranfers were completed and done in a completely different state. The bank never called to ask me what devices I own. I really need the money that was taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
While I was on bankruptcy, which is still on my credit report, flagship auto finance me a truck set up numerous payment plans with me and then got my income tax and re-Poed my truck

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 2023-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I've called Ally Auto multiple times to tell them to contact my mother, XXXX XXXX, about the account, and told them I give 100 % consent to her decisions on the account. Their recording states this is a recorded line and they keep telling me that the order of the names don't matter on the account since we are both co owners of the car, however they primarily contact me for everything. She drives the car, she pays on the car and she has 100 % physical possession of the car, but when my XXXX  XXXX  on her and left for XXXX XXXX she obviously fell on hard times. I keep getting text messages and phone calls from multiple phone numbers, some phone numbers show up on XXXX as scams, so I'm upset that Ally is giving out my information to third parties who keep calling me and do not leave voice mails. I give my mother 100 % consent to do what she wants with the car ( XXXX XXXXXXXX ), but they wanted to 3 way call and refuse to work with her. She works from XXXX to XXXX and I work XXXX to XXXX, our lunch hours are different, we can not physically 3 way call. It is entirely unprofessional to ask for 3 way call if they are on a recorded the phone line where I've identified myself and proven who I am when I call while I'm free. She even called them in her free time and asked to have full permission, yet they refused. At this point my mother is aware she is behind on payments and just wants to surrender the vehicle, but Ally keeps making this harder than it should.

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