vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
A lady named XXXX XXXX said she sent money to me by Zelle. I received an email saying she sent it to me. But it was on hold due to a verification. Says i had to sent a clearance fee. And to do it by text to a number. The person from XXXX wanted me to send money. And XXXX was supposed to be a Zelle Support Agent. They tried to get me to send money but it failed and my account was flagged. They tried tol get me to create a XXXX account but i didn't do it. Now they're mad that i said i would call Zelle to say something about it and they stopped contacting me. I got my account straight and now i am glad I didn't send the money. I knew it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GA

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

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY CONTINUES TO IGNORE MY CALLS, THEY DENY ME TO SPEAK TO A SUPERVISOR, THEY SAY A SUPERVISOR WILL CALL BACK BUT THEY DO NOT. THE PERSON WHO ANSWERS CALLS IS ALWAYS THE SAME FEMALE, SHE DOES NOT LISTEN TO WHAT MY CONCERNS ARE. ALL SHE REPEATS IS THAT I AM LATE ON PAYMENTS, SHE IS RUDE, REFUSES TO LISTEN TO MY CONCERNS. I HAVE CALLED NUMEROUS TIMES AND THEY WILL NOT LISTEN OR HELP, JUST THREATEN ME. I WENT MONTH BY MONTH ON ALL THE PAYMENTS I MADE, BUT IN XXXX I SIGNED AND FAXED 3 TIMES TO ALLY, THEY FORM THEY APPROVED FOR A DEFERRAL OF 1 MONTH. THEY ARE TRYING TO SCAM/CON ME. THEY NEVER DID WHAT THEY APPROVED ME FOR/A 1 MONTH DEFERRAL ON MY CAR. THAT WAS BECAUSE OF XXXX. I TRIED ANOTHER TIME TO GET A DEFERRAL AGAIN, THAT WAS ALSO BECAUSE MY HUSBAND AND I BOTH GOT SICK WITH COVID FOR A SECOND TIME, ALLY REFUSED TO HELP US. THIS ALLY BANK HAS CONED ME FOR THE LAST TIME, I HAVE ALL THE PROOF ABOUT PAYMENTS & DEFERRAL CONTRACT THEY APPROVED, AND I FAXED THEM 3 TIMES. I HAVE BEEN TRYING FOR MONTHS TO GET THIS FIXED AND RESOLVED BUT ALL THEY DO IS IGNORE AND THREATEN US. I ACKNOWLEDGE THAT I DO OWE LATE FEES BUT THAT'S BECAUSE I'VE BEEN VERY SICK SINCE I CAUGHT XXXX AND NOW I'M CLASSIFIED AS 100 % HANDICAP.

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 2023-12-11 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
GLOBAL CREDIT & COLLECTION CORP XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX ***This # does not ring at all*** ******-**-*-**-************** -- -- -- ***************** XXXX : XXXX XXXX XXXX XXXX 
Product : XXXX XXXXXXXX XXXX ID : ( not yet providing ) Card number ending in : XXXX Current Balance : {$0.00} ______________________________________________ I had a bankruptcy in 2018. 
This is unreasonable to have a collection company send a bill for a collection of XXXX??? 
YES absolutely publish this ITS WRONG!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
After a property sale, settlement was made at another bank where the business that I co-own held an account. Once those funds became available, within a day, a check was drafted from this bank to my Wells Fargo business checking account. I deposited this check in the branch on XX/XX/ and asked the teller to confirm availability of funds. She told me that {$250.00} would be available immediately and that the balance of the {$82000.00} would be available on XX/XX/. On XX/XX/ I received a notification in the Wells Fargo online banking portal that availability of funds had changed to a partial on XX/XX/ and then {$76000.00} would not be available until XX/XX/. Checking with the bank where the check was drafted from, I confirmed that the full {$82000.00} had cleared from that bank on XX/XX/. I contacted Wells Fargo by phone and was informed that the extended hold on the funds was due to the amount. I confirmed that Wells Fargo did not suspect fraud and that they were only placing the hold because they could by law. Wells Fargo sent a letter by mail dated XX/XX/ indicating that the hold was " in order to allow time for the deposited check ( s ) to clear. ''

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 2023-12-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-11 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: PA

Complaint narrative:
I received a letter dated XX/XX/2023, that did not address the banks non compliance regarding furnishing me as a former customer private privacy notices/ opt out notices initially and on a annual basis. 

I was supposed to be provided with the private policy notices and opt out notices that XXXX XXXX has failed miserably to be in compliance with GLBA. 

XXXX XXXX could be held liable to pay harsh fines and penalties from {$10000.00} to {$100000.00}. 

You are reporting alledged debts in my name and you are not furnishing me with the private policy notices that I should receive as a former customer according to l GLBA law. 

As a former customer I do not care that you sold these alledged debts that prove I am a former customer under GLBA even though I dispute these debts in their entirety. 

XXXX XXXX XXXX also states the bank is authorized to report information to the credit reporting agencies. 

My reply is I find this to be MISLEADING because it is not MANDATORY for the bank to report anything to credit reporting agencies at anytime. 

Your non compliance makes this information you are reporting not reportable even though you may find these alledged debts collectable Remove both XXXX and XXXXXXXX XXXX alledged charged off accounts that XXXXXXXX XXXX is reporting. 

Reminder : I do not care if you sold these debts, your bank is reporting currently to the credit bureaus debts that due to pennsylvania law that I can not be sued for but under GLBA you must recognize me as a former customer due to your credit reporting. 

I want to resolve this matter without litigation but it is OK with me if you choose to pay {$500.00} an Hour to high priced lawyers to defend your bank.

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I received a letter dated XX/XX/XXXX stating I had 129 qualifying payments which would qualify me for PSLF and having my remaining balance forgiven. This letter came after I paid my loans off in early XXXX. Because the letter stated 9 payments more than the required 120, I would like a refund of my payment and to have my loans forgiven through the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-11 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: TX

Complaint narrative:
I have no knowledge of several account on my credit report listed as XXXX. The account numbers are listed as XXXX, XXXX, and XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello i am having big trouble getting my credit report from equifax information services llc. I have tried through the website EQUIFAX provides on their website and it gives me an error BLNK and says to contact customer service to get a credit report. I contacted them previosuly and they mention all information looks good to go and i should be able to see it. I waited a month and tried once again but its still giving me a " technical error '' and sayign i need to contact customer service. CREDITORS OR MYSELF ARE NOT ABLE TO SEE A EQUIFAX CREDIT FILE AND ITS REALY CAUSING DISTRESS AND XXXX. I have a big long standing good credit file but yet it shows i have nothing on there. Once i contacted the equifax customer support team they informed me to mail in documents to prove my identity and my current address. I have sent those over certified mail in hopes of the issue being cleared. 

I am attachign documents to prove my identity and my current address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Pottery Barn | Capitol One credit card has a due date for payments but will charge a late fee after XXXX EST on that date. The company only acknowledges when the payment posts from processing several days later yet the online account will immediately reflect the payment. Your actual payment date is not acknowledged unless you specifically ask the representative. This practice is structured to incur late fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: VA

Complaint narrative:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I received an email from an imposter providing banking information for me to refund an unused retainer. It was identified as a business account with XXXXXXXX XXXX  It had the business name, account number and routing number. 

XX/XX/XXXX ( approx ) My bank ( Wells Fargo ) verified the account and I sent the ACH to the imposter XXXXXXXX XXXX account. 

The account obviously was not verified and due to the level of bank fraud- they should be taken more measures to insure payments are sent to verified businesses. 

XX/XX/XXXX ( approx )- I received a payment notification from a client that I should be receiving payment via ACH. I did not receive the payment and found out that the payment actually ALSO went the the imposter 's XXXX XXXX account. At this point, they were impersonating my company and used My company email address to send the imposter 's bank information to My client. 

XX/XX/XXXX - I confirmed that the ACH I initiated went to an imposter account and asked my bank, Wells Fargo, to return the funds. They said they can not help me because the account was verified by XXXX XXXX I do not know what to do at this point.

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 2023-12-11 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: MA

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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX # ( XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 


I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 .

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery XXXX $ XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to XXXX to have them removed immediately as I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: MN

Complaint narrative:
The following credit card account currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the following hard inquiries currently listed on my XXXX and Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/ and XXXX XXXX XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: VA

Complaint narrative:
This is XXXX XXXX XXXX please 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