vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Central Portfolio Control has repeated texted and called me regarding a debt for someone named XXXX XXXX. Their agency number is XXXX. They have called me from numerous numbers less than an hour apart and when I tell them I am not XXXX XXXX they hang up and call right back. The last person I spoke to refused to from Central Portfolio Control used abusive and threatening language and raised their voice at me over the phone while I was waiting for my second interview at a new job. My potential employer heard this, and I believe it is the reason I was not hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
The loan was with XXXX XXXX XXXXXXXX and then about 1 1/2 ago this bank called Selene finance company took over my loan and I have been trying to get a modification for about the last year and I have not been able toso they have filed for foreclosure on XX/XX/2023 I have filed the mediation paperwork for mediation I have not heard back from anyone yet and today is XX/XX/2023 my address is XXXXXXXX XXXX XXXX XXXX I have also applied for assistance with Nahac and they denied my application after what until I was passed due in an amount that they would not cover I have not heard nothing from this bank that is supposed to be carrying the loan at this present time me I feel like there is type of fraud or something I literally am asking for assistance with my home I have been in this home for 16 years and I cant seem to get any assistance.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Nevada

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I reported unauthorized charges on my comenity credit card but they still reported it to the credit bureau l. I submitted an investigation request to both credit bureau last. They confirmed the fraud, took the credit card off my report. Comenity is harassing me threatening me with debt collection. I receive at least 5 calls a day and now receive texts even though I opted out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, and Center of Excellence about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX  XXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
I contacted XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX XXXXXXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
i had an account that frozen on XX/XX/XXXX due to a dispute now i was told that everything will be taken care of in 30 days but it has almost been 60 days and the problem has not been resolved i have almost XXXX in truist bank and i run a business so that have plummeth since the funds have been witheld so can you please help they giving me the run around

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 2023-05-17 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, The Company Fortiva retaliate by closing my Fotiva account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from Fortiva removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is an old loan for 2016 with XXXX that apparently has been transferred to synchrony for some reason its reporting like a new loan again on my credit report. Every address or phone number showing on this report is invalid or disconnected. When you try to call Synchrony bank separately and explain the issue, they either tell you they don't know what you're talking about, or they transfer you to a department that just disconnects your call. I have tried disputing this with the credit bureaus for the fact that it is 7 years old and reporting like new debt and the fact that I have tried every avenue available to me to contact them and settle this and can not reach anyone the number listed on the credit file is invalid and disconnected.

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 2023-05-17 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:
I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2023-05-17 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:
I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : 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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I've disputed the amount as fraud several times with the credit bureaus. The Fair Collections continues to respond the amount is correct without any proof. The credit bureau upholds what they say, without taking into consideration the proof I've shown. I tried calling Fair Collections numerous times to make a payment arrangement, and to get an accurate total. My calls have gone unreturned for over a month. This debt is impeding upon my living situation. I'm on the verge of becoming homeless because this debt was reported to the credit bureaus. I can not afford a lawyer to assist me with this issue at the time. I have am more pressing issue I have to address, which is my housing situation.

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 2023-05-17 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
Requesting Equifax to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXXI have been XXXX XXXX  customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, Equifax, XXXX and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customersXXXX XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request you to promptly update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: DE

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I was denied for a credit card. I have never nor would ever apply for any XXXX  XXXX XXXX Products. The inquiry hit my Experian report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.

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 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I urgently request you to promptly update my account to accurately reflect my payment history.

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 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have sent XXXX different letters since XXXX of XXXX as well as called on XX/XX/XXXXXXXX  to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. 

CB/ Wayfair bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi I have investments and a mortgage thru wells Fargo and I am wondering about this class action law suit.i am researching this if I have any part of this and will I have too get my attorneys involved.what are my resources do I have..please

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 2023-05-17 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:
I strongly implore you to take immediate action and eliminate these fraudulent accounts from my credit report without any delay. I want to emphasize that I did not authorize or initiate these accounts

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 2023-05-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern, You are in Direct Violation of the Fair Credit Reporting Act. Chase Auto Acct # XXXX has violated several of my rights. 

15 US.C 1681 section 602 A. CLearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NJ

Complaint narrative:
I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them 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 non-monetary relief