vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. 

On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. 

On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX  came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. 

I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. 

I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. 

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 2023-01-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then XXXX weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything

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 2023-01-10 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: ID

Complaint narrative:
All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then XXXX weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything

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 2023-01-10 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
1 - Hello, onXX/XX/2022 I wrote a letter to Midlland Credit Management in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 XXXX XXXX XXXX has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax + XXXX + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX XXXX XXXX  - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
I have tried to address the issues with the company numerous times by phone and Letter see 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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
HRRG called to collect a medical debt. Caller ID shows XXXX XXXX. Not sure if this counts as impersonating an attorney, but I was under the impression that someone that may be one or at least a paralegal was attempting to contact me for some reason. The person on the phone did state their name and that they were from HRRG, and were quite clear that they are a Debt Collection agency calling about a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Wired money into coinbase from my wellsfargo account. 

From Coinbase, a Fraudulent wire transfer was sent of XXXX. 

Called XXXX and advised that the transfer to coinbase was legitimate. 

Called coinbase and advised they do not do fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
This is a request to verify the documents used to publish these account to my credit report. The FCA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
transunion and XXXX  are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Account 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 has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity Capital Bank Is fraudulently charging late fees to my account after the statements were submitted and when it was paid in full. I paid in full and closed out this account in XXXX of XXXX due to the constant fraudulent charges being placed on my account by CCB. CCB then charged over XXXX  in late fees after I had closed out the account with a XXXX balance. My credit score was being effected by these erroneous charges so I paid off the incorrect balance {$120.00} on the card yet again in full XX/XX/XXXX. I have asked for transcripts or copies of the records/ recordings of and for my calls and payments due to charges being paid in full and after processing other charges being added. I was told on XX/XX/XXXX by a CCB manager that I need a subpoena to receive these records. After reviewing the XXXX XXXXeports this seems to be a constant complaint against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On four different occasions, I have disputed incorrect information on a credit report from Trans Union. My bank has reported to them each time that their information about an overdue payment was incorrect. Trans Union resolves the dispute temporarily and a month later, they reverse the action and reduce my credit rating. Since I cant seem to resolve this issue with the company, Im hoping the CFPB can help. Thank you!

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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:
upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IA

Complaint narrative:
I have had major issues with 2 different cards now. 

I loaded {$500.00} on one Western Union card but the card has never worked.

I loaded {$30.00} on a PayPal card and it doesn't work.

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 2023-01-10 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: CA

Complaint narrative:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :

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 2023-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response.

According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation