vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Ref : WU Tracking number ( MTCN ) : XXXX XXXX XXXX This is a continuation of the complaint made earlier. In response to my previous iteration of the continued complaint of XX/XX/XXXX, I received a letter from WU, which is identical to two others. 

So far, I have done everything I could do, including getting official record of denial from the recipient, the XXXX XXXX XXXX XXXX, and the CEO of the XXXXXXXX XXXX  But I have recieived no record from WU that the bank has received the transfer from WU, as WU claimed again and again. The bank can not tell me one thing and WU the complete opposite. I must have a record from WU that they have received a direct note saying that they received the transfer. The pro forma notice of deliver that I have received from WU and repeated several times no further information will not do. I just responded to WU and here is what I wrote : My note of XX/XX/XXXX to WU XXXX Dear XXXXXXXX XXXX, This is the third time you are asking for the same information from me. I had provided that on my first response. Here it is again : 1. I had asked for the bank account statement of the receiver. I was told by the CEO of the company that it is unethical for WU to ask for that information.2. The account information of the receiveris attached again. 
While I have attempted to do whatever you have asked me to do. I have even complained to the XXXX XXXX XXXX  and then to the CEO of XXXXXXXX XXXX I have only received official denials of receipt from the receiver, the bank manager and the CEO. In my capacityas a private individual, anything else is beyond my capacity. 
While I have provided all these documents, you have not provided any record that XXXX XXXX  has told you that they have receivedthe transfer. I must see that to satisfy my need. I want to see how the bank can tell me that they did not receive the money ( in fact can not possibly receive it for lack of what they call, an agreement with WU ), yet tells you theyreceivedthe funds. I can not know what that agreement is. Only you can. You have consistently avoided giving me information to prove your case. 
XXXX XXXX ( I am attaching the account information of the recipient here )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the inaccurate personal information that appears on my credit report. According to my records, [ XXXXEquifax ] has reported my name, DOB and employment information incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copied of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-24 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:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: NY

Complaint narrative:
On XX/XX/ I submitted an account dispute to Equifax Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Equifax Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Equifax responded to my dispute on XX/XX/ which is 60 days, 30 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/XXXXit noted that the disputed information appearing on my Equifax report is accurate and has been verified. In the dispute I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. As of today XX/XX/ I have not received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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:
XXXX XXXX reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already 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 non-monetary relief
Consumer complaint received 2023-06-24 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:
XXXX XXXX reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already 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 non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove any old or duplicate addresses from my report. They are all non-mailable address. 
Remove any old or duplicate phone numbers. 
Remove any variations of my name that is incorrect.

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 2023-06-24 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 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: WI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

1692c ( a ) - needs prior consent from either the court or the consumer before communication with the collection of any debt.

1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This can be used in many ways. And in my opinion I give one very limiting example for credit reporting 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed Aka false and misleading reporting.

1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop.

1681 ( a ) ( 4 ) - Consumers right to privacy 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer 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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
I ended up misplacing my phone on XXXX XXXX 2023 at XXXX and at XXXX 2 charges came on to my cash app card account that made these transactions to this unknown merchant and I could not access my phone until 2 days after the second charge went through on XX/XX/XXXX at XXXX. Through XXXX XXXX XXXX my phone was declared stolen and an unknown and unauthorized charge was made through my cash app card to another merchant. Once I eventually located my phone on XX/XX/2023 at XXXX, majority of my cash app account funds were gone and I sent in many disputes to get my money back and cash app has declined them all saying the transactions were unauthorized even when I reported the transactions a scam and a fraud since it wasnt actually me who sent the money but an unknown person using my device sent it. The result of my constant disputes and frustration at my lost money cash app has closed my account and I never received my money back. I even sent a request to the merchant who received my money and that merchant declined it. Twice. So cash app has shut down my account for no reason and would not provide me a reason why. I would like my account ( ending in XXXX ) reopened and my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My new checking account hasn't been open not even a month before wells fargo closed it. The reason why wells fargo feels that way about me with such malic against me. Was because XXXX XXXX already defamated my character. Well before I open my checking account. She made sure that everyone at wells fargo new about me. My insurance company used wells fargo. So I went to a wells fargo bank to cash my insurance check for hail damage. All the bankers stared at me like I was some type of criminal. This banker XXXX XXXX wouldn't leave me alone about wanting to open a checking account with them. Which I didn't want in the first place. Then she proceeded to make fun of me and my sons facial features. All due to their employee XXXX XXXX slandering my name. Which makes wells fargo libel for their employees actions. Wells fargo hated me well before I opened my new checking account. Well before I even had a account at wells fargo. 

They weren't exercising their right to close my account. When i opened my first account until AFTER, XXXX XXXX falsely accused me of harassing her. Wells fargo owes me damages for all the pain and suffering caused by XXXX XXXX. With her calling the police on me while I was at the bank. 

This is why i am so angry. They let me open a new checking account, but to only closed it not even a month later. I was kept in the dark. When I tried to make a purchase and my purchase was delined. I went to call wells fargo, with a banker told me the business relationship went bad. I just opened this account. Now i can't do any business with wells fargo because of XXXX XXXX. 

I don't care about their stupid cause. They didn't have a right to close my account. By forcing me to drive back and forth to the bank to open a new checking account. This violates my civil rights telling me I can't enter a wells fargo back. Even if I have a check made out to me with wells fargo bank all because of wells fargo slanderous false accusations.

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 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion 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 2023-06-24 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: WI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX is using Wells Fargo Bank to cover a bad Loan to XXXX XXXX XXXX. XXXX XXXX assigned a mortgage to XXXX XXXX in XXXX ( XXXX XXXX went out of business in XXXX ) The note was never signed over to Wachovia Bank. The foreclosure suit is Wells Fargo Bank successor by merger to XXXX XXXX. Wells Fargo Bank on different telephone calls and on the XX/XX/XXXX letter said XXXX XXXX  is your lender. Wells Fargo Bank has stated that " we do not have one penny in your property at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX " XXXXXXXX XXXX  through their attorneys, state that XXXX XXXX is the servicer of the mortgage. Wells Fargo, under under who's name we are being sued ( 1 ) does not have any account number for us ( 2 ) does not know our name ( 3 ) do not know our address PLEASE READ THE ATTACHED LETTERS See complaint XXXX which Wells Fargo Bank XXXXeopened under Wells Fargo Case XXXX XXXX in the Executive offices at Wells Fargo . All the files are attached to this complaint proving all the information above. WE NEED YOUR AMMEDIATE HELP AS XXXX XXXX IS TRYING TO GET ANOTHER SHERRIF SALE. See the attached Common Pleas Docket I believe that XXXX XXXX is trying to bypass the requirement to put back money in reserve as required in XXXX for a bad loan so they could lend this money out. ( XXXX has done this before and got away with it. ) WE NEED YOUR HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copied of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief