vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  NA Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: HI

Complaint narrative:
My information was sold and illegally because I was a victim of the Equifax data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The company is XXXX. I paid {$500.00} dollars and I just wanted my refund. They stole the money, I had insurance for the medical bill. The number is inactive now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
Subject : Urgent Request for Deletion of Illegally Acquired Accounts Due to Equifax Data Breach I am writing to bring to your attention a matter of utmost importance regarding my credit information. Unfortunately, my data was unlawfully sold and purchased as a consequence of the Equifax data breach. I insist on the immediate removal of these illicit items from my credit reports. 

Enclosed is evidence of Equifaxs acknowledgment of my status as a victim of the aforementioned breach. Despite this, no remedial action has been taken by Equifax to address the issue. I implore your assistance in expeditiously erasing these illegal accounts from my credit reports. 

For your convenience, I have provided a comprehensive list of the negative accounts on my Equifax credit reports, including account names and numbers. I kindly request that you file this complaint with the Consumer Financial Protection Bureau ( CFPB ) on my behalf. 

Thank you for your prompt attention to this matter. 
XXXX : Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX. 

Your claim form has been submitted successfully Your claim number is : XXXX You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
Today, XXXX received an email to confirm my account and log in. All my 3 credit bureaus are blocked and has a fraud warning effective until XXXX. 
I called Chime customer service and I asked them on how can they open an account when all my 3 credit bureaus are blocked or has a warning. She has no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: FL

Complaint narrative:
A third party collection company is furnishing a negative account and inaccurate information on my consumer report while using the misrepresentation of an attorney to a collect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please read attached. Capital One just charged again more fees and interest and a fake payment and payment adjustment to get more interest and fees is FRAUDULENT CREDIT CARD TAKE OVER. Both Capital One cards # XXXX & # XXXX CARDS ARE CLOSED XX/XX/2023 because Capital One committed credit card FRAUD. 
Capital One is to remove all negative entries on all my credit reports. NOT FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I called American Express in order to change my mix of credit cards. I have a Gold card and a Blue Cash Preferred Card. I'd like to have both a Gold Card and a Platinum Card. I was told that it is impossible to change a Blue Cash Preferred account to a Platinum since they have different reward systems ( cash back v. reward pts ) ; however, the offer on my Blue Cash Preferred account distinctly reads to upgrade to a Platinum Card for XXXX XXXX. That is a separate offer from the XXXX XXXX  offer to upgrade my Gold Card to a Platinum Card. I believe that this is misleading and fraudulent advertising. I have a screenshot showing the offer on my Blue Cash Rewards account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX of XXXX I sumitted my payment, as usual. 
On the XXXX, of XXXX Rushmore called stating that payment was not receive. 

Rushmore receive my payment, stamped my check, with a stamp from XXXX. 
And stated that they did not Receive Such payment. 
that check was sent to the address, I always sent my check to. Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX. 
Till today XX/XX/XXXX they are still claiming that they did not Receive that check. 
They change the account #, number just not to applied the money to my loan. 
return or applied that XXXX to my loan. 
Rushmore also stole my monies from my escrow account.. ( XXXX ) from the month of XXXX to XXXX. Rushmore started a new account, effective XXXXClaiming that the principle owed on my account is {$140000.00}, that is not so the principle owed from XXXX to XXXX should be {$140000.00}. proof of insurance was always submitted. they claim that proof of insurance was not submitted for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX DEPT OF EDXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I have contacted this bureau in regards to a simple request. The request was to remove comments from an account. To date, the comments remain. 

This is violation of FCRA!

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a victim of check and ATM fraud. Someone is using a fraudulent debit card to commit check and ATM fraud on my checking account. On three different occasions, someone used a debit card with my name ( counterfeit debit card ), deposited the checks into my bank account, and withdrew money from my checking account. The fraud totals to {$3000.00}. The first crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The second crime happened on XX/XX/23 @ XXXX XXXX  at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The third crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. I did not do or authorize all transactions. My debit card has always been with me, and my debit card information nor PIN has been shared with anyone. A fraud claim has been reported and opened with my bank SchoolsFirst Federal Credit Union, requesting a credit of {$3000.00} back to my checking account. The bank has a video of the person committing the crime with the fake debit card ( they have confirmed it is not me in all ATM videos, but a known scammer to SchoolsFirst Federal Credit Union ). The bank also has all the names of the person names ( payers on the checks ) on the fraudulent checks used. I filed a police report with the XXXX XXXX Police Department for Check & ATM fraud, identity theft, and forgery ( case # XXXX ). The bank is still holding me liable for the fraudulent {$3000.00} transactions done without my authorization and knowledge on my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NC

Complaint narrative:
Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2023 : I contacted all three agencies XXXX, XXXX and Experion. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don'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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing with grave concern regarding an unauthorized hard inquiry recorded on my TransUnion credit report, attributed to XXXX XXXXXXXX XXXX on XX/XX/2023. This inquiry was conducted without my consent or knowledge, leading me to suspect fraudulent activity. 

Upon meticulous review of my credit report from TransUnion, I was alarmed to discover this hard inquiry that I unequivocally did not initiate. The presence of this unauthorized inquiry on my credit report is distressing, as it has the potential to adversely affect my credit score. 

To address this unauthorized activity, I have proactively taken the following steps : Direct Communication with XXXX XXXXXXXX XXXX  : I promptly contacted the customer service team at XXXX XXXX to report the unauthorized inquiry. While my communication resulted in the removal of the inquiry from my XXXX and XXXX reports, it regrettably remains on my TransUnion report. 

Formal Dispute with TransUnion : I have lodged a formal dispute against this hard inquiry with TransUnion, providing all requisite documentation to substantiate that this credit check was unauthorized. 

Despite these diligent efforts, the unwarranted inquiry persists on my TransUnion credit report. This situation is causing me considerable concern regarding its potential ramifications on my financial integrity and credit standing. 

In light of these circumstances, I earnestly seek the intervention of the CFPB to conduct a thorough investigation into this matter. My objective is to ensure the expeditious removal of this illegitimate 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 2023-11-27 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: CA

Complaint narrative:
I need to resubmit this complaint to EXPERIAN. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 

According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number 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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Issues started in XX/XX/2023 when I applied to the SAVE plan. 

Well, I still make my monthly payments. I payment my XXXX payment. So my next payment was going to be in XX/XX/2023 for the sum of XXXX dollars. 

On XX/XX/XXXX, I receive an email that my loan is in forbearance. 

I log into my account on XX/XX/XXXX. Now the amount that was due in XX/XX/XXXX is showing that it is past due. Mind you I had already made my monthly payment and no payment was due for XXXX. 

And now they have my XXXX due as XXXX dollars with a a past due for XXXX. 

Now am wondering, am I getting weekly payment dues? Tried calling no one picks up. I do not care if my payment due is XXXX but how can you decide that what was due in XXXX is now due in XXXX when a monthly payment has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I extended my credit my credit to Capitol One for the amount of {$150000.00} on XX/XX/2023 they denied me I sent a Anticipatory Breach of Contract to them certified mail XX/XX/2023 and a Opportunity to cure stating CAPITAL ONE to apply the application Reference # XXXX and use this application as SECURITY COLLATERAL ADVANCED PAYMENT to set off the Principals Balance IN FULL each and every billing cycle. Pursuant to [ FEDERAL RESERVE ACT SECTION 16 P.2 ]. XXXX XXXX has entered into a fiduciary relationship and you now have obligations to up hold. Pursuant to [ 12 USC 1431, 15 USC 1615 ] I hereby instruct the CFO or indentured trustee for CAPITAL ONE to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. 
No reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX weekend XXXX, my then fiance and I purchased a bedroom set from XXXX XXXX with the company financing. It was later we realized it was not a loan but a store credit card through Wells Fargo. Payments were being made on the card and as of XX/XX/XXXX the account was not behind and the balance due was {$4000.00} with payments of {$160.00} a month. My now husband ended up having to claim bankruptcy that started in XXXX of XXXX. My accounts were not included in the bankruptcy and I was never part of the bankruptcy. XX/XX/XXXX I received an alert from XXXX that my credit had dropped XXXX points. When looking at my report, Wells Fargo reported a charged off account in bankruptcy and payment was missed. I disputed the report, as I had not claimed bankruptcy and payments had been current and i had intended to continue payments. I never received any letter from Wells Fargo stating I was the sole account holder, nor did I receive one stating the account was closed, not did I recieve a statement of any kind. Wells Fargo 's response to my dispute was to again report the account as charged off, however this time they added that it was written off and past due. Wells Fargo has reported this every single month since XXXX of XXXX. It is now XX/XX/XXXX. Three days after my husband 's bankruptcy was finalized in XX/XX/XXXX, Wells Fargo started calling me wanting payment. This was after they reported the account as charged off, written off and past due that same month. 
I informed the rep. the account was included in a bankruptcy and they have been reporting it as charged off, written off and past due to my credit. Per their reports, they wrote the account off. 
This has been malicious attacks by Wells Fargo in response to my husband claiming bankruptcy. 
Due to their continued reporting every month as the account being charged off, written off and past due, my other accounts have begun to decrease my limit, further hurting my credit. Before Wells Fargo began their malicious attacks on me my credit was XXXX, it is now XXXX. To this day, I have not received a single letter, or billing statement from Wells Fargo.

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