vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery associates has been using communication tactics and harassment go collect a debt that was fraudulently opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, 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 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. 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 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: OR

Complaint narrative:
XXXX - Please refer to this previous Keybank complaint and response. 

Keybank instructed us to file a dispute of transaction from XXXX to Keybank to get the funds that Keybank has kept from us which is {$3000.00}. XXXX XXXX  has reached out to Keybank to get the fund back as instructed by Keybank, but Keybank refused to release the fund to the original sender. Please let us know how we can get our money back from Keybank, or how we can escalate this issue to get our money back from Keybank. 

Attached is the previous letter of response from Keybank from the last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: SC

Complaint narrative:
I had written a letter to Amerifinancial sent it registered so they had to sign for it. They did not reply to my letters they got the letter on XX/XX/2023 and is now XX/XX/2023. I gave them plenty of time to reply I was asking for proof that it was my debt and nothing. This is not the first time attempt with them. I am wanting this deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of 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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2019, I was approved for a credit card with XXXX XXXX for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to XXXX XXXX. The bill was paid by me thru my bank account and multiple deposits to credit card. XXXX XXXX raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to XXXX XXXX to dispute and provide paperwork to show bill was paid. XXXX XXXX XXXX told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after XXXX XXXX began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and Experian in 2019. XXXX XXXX reported balance as being correct. In an effort to clear the amount on my credit report I paid XXXX XXXX {$2000.00} under certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. XXXX XXXX responded to dispute that I still owe the balance of {$2000.00}.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for this debt with none of these creditor and do not have a contract with collection agencies. They did not provide me with the original application like i asked and they keep sending me automated responses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
There was a problem with my escrow account beginning XXXX. I was charged twice for insurance. There were additional escrow problems at that time as well. I have spoken to this company many times, and all conversations have been recorded. Every time I get things straightened out, the system never picks up the changes that need to be implemented. XXXX XXXX one of their representatives recently requested that a manager call me, however they never called, but ; they did notify me that they are reporting me for a late payment that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Every time I would check my balance there would be a transaction for something from them

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
New account opened with BofA. Card stolen from homeless shelter and BofA wont address fraud XXXX put a hold on a U.S. Treasury Social Security check of {$2600.00} until the XXXX. They show I withdrew cash on at least XXXX occasions ( XXXX and XXXX dollars ) which is fraud. They refused to give me money, hold on money, and wont close account until the check of XXXX clears which is ridiculous! All Ive gotten was {$6.00} from my account!!!

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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Synovus Bank
State: NJ

Complaint narrative:
MY account number was listed wrong on here and I called today and they told me that my account was good. Then they saw two late payments on there and the lady on the phone helped me out and got it taken care of. I made a payment on XX/XX/XXXX and I don't know what is going on. If my payments are being reversed when my account is good then I am not sure what is going on. Please help me in removing these late payments because it is not my fault and I don't want this error to haunt me for the rest of my life. I told the lady on the phone and she said its not like you weren't trying to make the payments so dispute it and we will remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have wrote XXXX XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hunter Wardield Inc has reported a balance of {$2800.00}. Claiming I allegedly owe them this amount. I sent them a validation request letter on XX/XX/2023 ; and they have unfortunately failed to respond whatsoever. I have asked them to remove this alleged debt and they have failed to do so. I can send additional proof showing the delivery receipt of my mailed letter request to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023, a scammer posed as me and sent a wire transfer from my Discover checking account in to their XXXX bank account. I received a call from someone claiming to be from Discover bank. In fact, the phone number that appeared was Discover 's phone number. ( a known number/device ). There was some sort of XXXX card swap/takeover of my phone. I could not make or receive calls from my cell phone because everything was being taken over by this male scammer. 

We reported that our account had been drained by this person 10 minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer told us this is becoming more common with the cell phone takeover. Interesting enough, Discover told us that there was an unsuccessful wire transfer 2 days prior to this but there was not enough money to cover it. If we would have been notified, this could have been avoided. 


After several attempts to work with Discover and their XXXX XXXX, we received a call from a supervisor that since the Wire Transfer request came from a " known device/phone number '', they did not break protocol and will NOT be returning our {$12000.00}. We reported that our account had been drained by this person XXXX minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer that came to our home, told us this is becoming more common with the cell phone takeover. This has left us in terrible financial ruin and 3 months behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently noticed the following collection accounts on my XXXX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
They are charging me with a debt that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
I received a XXXX XXXX from Square with my name on it, correct address, etc. 

I do not, and never have had, a Square account. When I called to ask them why I got this they cancelled and were very cordial, but I have no idea why this would've been sent to me, and don't see any glaring signs of fraud / identity theft with other accounts. Looking online it was recommended I file a note with the CFPB to review- it appears I'm not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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