vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian continues to report a charge off account from XXXX XXXX that is more than XXXX years old. After XXXX yeare it should be removed

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A few weeks ago, a friends of mine had clients of his company send my money because his business account had issues receiving money. When his clients send me the money through XXXX, we verified amount and correct location to where the funds went. Everything was good. Now Wells Fargo has decided to close my accounts and hold my money for unauthorized payments despite both parties verifying funds. They will not further investigate and now I am left with no money and no way of receiving my funds until account closure which they hinted at being pushed back.

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 2024-01-18 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: NY

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 


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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a 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 expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a 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 expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian continues to report a collections on my report that they have been reporting over XXXX years from XXXX XXXX for {$6100.00}. It should be removed after XXXX years

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was called about a scammer using my debit card to verify I didnt make ca transaction. Them proceeded to say we had an active hack of XXXX and need to transfer money to protect the account. XXXX {$25000.00} transactions moved by Chase bank. I reported the fraud to chase and was explained that I was transferring the money to help a cousin with a down payment on a real estate transaction. Chase is refusing to replace the money scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple documents regarding being a victim of XXXX XXXX. I was asked to provide more information ; however, every time I try to upload documents, the system does not allow me to do so. The ability to submit is impeding a timely deletion of adverse information on my credit report that was a result of 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 2024-01-18 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: DE

Complaint narrative:
I have Opt-Out from the financial institution XXXX XXXX Bank to not share my non public personal information. See attached opt out letter dated XX/XX/2024 along with previous CFPB complaint # XXXX against that institution.

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a credit card with the Home Depot for the past 2 years 5 months and 16 days ... As of a few days ago they decreased my credit limit from {$10000.00} to {$3900.00}? 
Since I bought my house I had 2 major purchases from them with other purchases in between... 
The 1st major appliance I bought on XX/XX/XXXX from the Home Depot under a 12 month no interest purchase and they got me really good because I did not know any better and at the end of the 12 month I ended up paying the deferred interest and I did not make any complaints about it... 
Sucked it up and paid that deferred interest and didn't purchase anything else for over a year... 
My late payments are as follows on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XXXX of XXXX I seen a frig that I really wanted and decided to purchase it for the amount of {$3100.00} + warranty for {$310.00} for a no interest payments for 24 months. 
I was not crying when they over charged for {$6900.00} for 2 refrigerators and 2 warranties along with a no interest plan for 12 months. 
Which took one billing cycle to fix. They also charged me a double payment for their mistake? 
I have been a great consumer with Home Depot and I know that it is against the federal law to decrease ones credit...

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have been attempting to retrieve my funds from my account via American Express Serve since XXXX. I have attempted to request a replacement card with no help. This account has also been charged {$5.00} per month in fees. The representatives are stating " I can not replace your card without first having your previous card number. '' I have explicitly stated that I did not receive the card ( which also means I do not know the card number ). I have tried AmEx National Bank, Serve phone numbers with absolutely no resolve. I am asking to be made whole with this account. This is becoming an issue of theft. There is no live representative to speak with outside of the card replacement phone number. It will not allow me to transfer the money, order a new card, and/or pay another Serve customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX Account : XXXX These companies registered their name with the CFPB multiple times under multiple names to avoid accountability and confuse consumers. Im tired of yall manipulating me.

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Someone hacked my PayPal account that was linked to my checking account and transferred {$6000.00} plus a {$4.00} fee out of my checking account to themselves. I contacted PayPal to report that it was an unauthorized transaction, but they responded stating it was not unauthorized and that it was consistent with my transaction history. The PayPal account has been dormant for years, because I thought it was closed. I have never used their friends and family transfer feature. I have appealed their decision and am waiting for a response. I believe they still have a small window to stop this transaction, but they appear unwilling. I have also contacted my financial institution and filed an unauthorized withdrawal form. I am not including screenshots of this, because it contains all of my financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX  and Transunion Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : XXXX XXXX Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that XXXX XXXX and Transunion Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted XXXX XXXX : I have contacted XXXX XXXX and Transunion Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring XXXX XXXX  and Transunion Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.

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 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I was supposed to take out loans XX/XX/XXXX I have not taken out any loans I'm XXXX XXXX XXXX XXXX have no interest going to school now when I called to check on them when it hit my credit report they could not pull any information up by my phone number my name my email or my address only by my social security number and the information that they have under my birthday and social security number name is not mine I've been back in Virginia since XXXX XXXX about my son back to bury him here I've only lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX and now I'm in XXXX have tried to reach out to these people several times they keep saying I need to talk to the supervisor after being on hold 4 hours to get with them then I've got another 5 hours before I finally hang up this has been ongoing since the end of XXXX when it hit my credit report through XXXX XXXX not the three major ones so I done a police report lock my credit and put a statement on my credit reports first come out it was only like {$1400.00} now it's up to {$3200.00} Mohela has added more to it have requested information cuz I know to do the student loan you have to prove who You are got nothing from them credit bureaus are no help they just certify that it's alone in my name have filed report with XXXX feel like I'm beating my head against the wall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I have a XXXX XXXX Credit card and they continue to report this to my personal credit report not my business credit report. I would like for it to be removed from my personal credit and reported accurately to business credit.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Concora credit milestone mastercard with a credit limit of {$300.00} open with out my knowledge on XXXX XXXX. Also a destiny mastercard opened XXXX XXXX in the amount of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I unfortunately had two accounts acquired by Midland Credit Management following my XXXX XXXX. Despite bringing to their attention the inaccuracies in the information they report, they persist in providing false details. Multiple disputes have been initiated, yet the credit bureaus insist on validating the erroneous information. I can substantiate that account XXXX XXXX has been fully settled through garnishment ( although I was never served with court documents for any court action ), and I have been consistently making payments via their website, none of which are accurately reflected. Additionally, monthly payments made on account XXXX XXXX through their website do not accurately reflect the correct balance. Their fraudulent reporting persists, and the credit bureaus fail to diligently rectify the situation, allowing this deceptive activity to persist. Additionally, they persist in asserting that the account is open and active, even though it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  ACCOUNT # 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Within XXXX seconds of each other experian closed XXXX while still working on this complaint and yet once again ITS THE SAME PROBLEM which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back

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 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2024-01-18 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: GA

Complaint narrative:
Equifax has failed in its Duties to correct and update information. In an ordinary course of business, I furnace information to one or more consumer reporting agencies about my transaction experience as a consumer and furnished a consumer reporting agencys information that determined the information is not complete or inaccurate by notifying the consumer reporting agency and providing to the agencies any correction to the information or any additional information that is necessary to make the information I provided to the agency complete accurately and should not after that furnace to the agency any of the information that remains not completed or accurate. 

The XXXX XXXX Information was disputed with all agencies. The data was sent to the Data furnisher and only corrected and updated on my XXXX and XXXX. XXXX failed to correct and update my credit report which is in clear violation of the FCRA. 
The Information on my credit report still shows two late payments of 30 days late for XX/XX/2018 and XX/XX/2018. Therefore, I'm reinvestigating this account asking Equifax to please update and correct

Company response to consumer: Closed with explanation