vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and harassing minor children. We hardly finished overcome a bad hurricane. This is added stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This debt collection agency was placed on my credit report, however I have not received any mail verifying any information on validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!

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 2022-12-18 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: TX

Complaint narrative:
In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX  They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had XXXX, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TX

Complaint narrative:
In response to my previous dispute/complaint, XXXX claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via XXXX XXXX and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have XXXX XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were XXXX bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.

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 2022-12-18 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: 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-12-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX, 2022 XXXX charge to my Wells Fargo Business Debit Card {$690.00} for new computer. I called XXXX XXXX @ XXXX. Spoke with XXXX XXXX, & after repeated calls, they issued cancellation # XXXX. They claim a refund for {$690.00} # XXXX was issued. This was a scam. They then charged my Wells Fargo Business Debit Card on XXXX XXXX with XXXX fraudulent transactions, including an unauthorized, fraudulent WIRE TRANSFER ON XXXX FOR {$24000.00}. 
I have NEVER made a wire transfer from this account, or my Personal Wells Fargo account. I do not conduct on line banking with Wells Fargo or any other bank. 
I have tried on numerous occasions, for many hours, both with XXXX XXXX branch, with XXXX XXXX XXXX XXXX Regional Director, and with XXXX XXXX XXXX XXXX Case Specialist, case XXXX. All efforts have been in vain, and hours have been spent attempting to recover the {$24000.00} fraudulent wire Transfer.

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 monetary relief
Consumer complaint received 2022-12-18 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: V and H Portfolio
State: TX

Complaint narrative:
Vance Huffman added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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:
Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both TransUnion and XXXX have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.

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 2022-12-18 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: CA

Complaint narrative:
Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXXXXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both XXXX and Experian have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX  has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.

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 2022-12-18 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management Account XXXX : XXXX Midland Credit Management Account Number : XXXX has been sending me notices in the amount of {$420.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, 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:
Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!

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 2022-12-18 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: American First Finance, Inc.
State: FL

Complaint narrative:
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute letter recently sent XXXX XXXX was deleted off my transunion account twice this year and has reappeared twice on my account. 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C. 168i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material they have failed to send me notification no later than 5 business days, they failed to do that twice.

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 2022-12-18 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: GA

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-12-18 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:
XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and Transunion reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this 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 non-monetary relief