vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-05-23 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded 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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I needed to reset my password and reinstall the Venmo app. I was having issues getting a verification code from the company. I hit the " request code '' and the email never arrived. I was able yo verify my account and get the code by text. I tried to login but then ran into an authorization error code. I contacted the company by phone and email yesterday and have not received a response. When I tried calling, there was no option to speak to a representative and the call menu items did not address the issue I was having.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Elevate recoveries is reporting a collection account on my profile that I am not familiar with. 

I am asking that this company ceases to report such derogatory account on my credit profile as it is causing me anguish. 

A cease & desist notice has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have had automatic payment option in place for years now and I have recently been charged late and other fees by American Express and its affiliated claiming my payment were late. My payment can not be late if an autopay is in place for at least 5 days before my payment due date. I have requested proof and waiver of any and all fees charged. Yet American Express much like any other big bank bulldozers over customers and they simply dont care because they always get away with it. I want Amex and other companies to pay a hefty fine yo see how does it feel for them robbing customers off their hard earned money. I have been American Express card member since 2006 and I have never s en this level of unfairness until this past year upto now. This big merchant and banks need to be taught a lesson

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-23 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I suffered from several overdraft fees and insufficient fund fees not any of my fault caused by me. This resulted in closure of my account and causing bad credit. I have retained an attorney to look further into this matter

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I called XXXX insurance inquiring about my coverage when the Rep stated that I had an outstanding balance and if I do not pay I will be dropped. I told the Rep that I had cancelled the insurance so I do not understand the balance ; she stated that it was from a previous policy and that I still had a balance that was owed. I never knew about the debt and the debt was never validated. I called in a few weeks prior to buy another policy and the Rep never did mention an outstanding balance that was owed, instead she just took my money and issued me a new policy. So if I owed a balance, why would they start a new policy on me I stated? what I ended up doing was making a payment arrangement to pay the outstanding balance off because I need my insurance. Fast forward, I went to check my consumer report and XXXX had already sold the debt or assigned it, to be collected, I really do not know, considering I never did business with the company that is listed on my consumer report or signed any contracts with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-23 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: FL

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 2024-05-23 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: FL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-23 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: FL

Complaint narrative:
I recently got a copy of my credit report and noticed that I have a few fraudulent accounts on 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 2024-05-23 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: FL

Complaint narrative:
I recently got a copy of my credit report and noticed that I have a few fraudulent accounts on 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: IN

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-23 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Notice of dispute under the authority of the FCRA. Creditor is reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the XXXX is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NY

Complaint narrative:
This started on XX/XX/XXXX but I was unaware that it was happening because Cash App was declining these charges at first. However on XX/XX/XXXX I noticed that I kept getting charges from XXXX and XXXX for XXXX but I had never purchased anything from XXXX or XXXX, but most of the charges also showed declined so I wasn't worried. It wasn't until maybe XXXX  days later I was getting really annoyed that I didn't know how to stop these charges so I tried to order a new card. However, it must have just replaced my card instead of submitting it as stolen so this issue kept happening. It wasn't until XXXX  days ago that I noticed that not all the charges had been declined and over XXXX charges had gone through and comepletly emptied my bank account. I immideiatly blocked tiktok and XXXX through the Cash App and contacted them. The only reply I got was that all of them were declined or that they couldn't do anything about it. However I sent them multiple screenshots of charges that went through and they still told me they couldn't do anything about it, and that in order to dispute the charges, I would have to click on each individual charges and write what happened. However, there were hundreds of charges, and I would have to go through which ones were to declined in order to figure out if they were actually completed instead of declined. I told them that this is basically impossible unless I want to commit over XXXX straight going through the hundreds of blocked and completed transaction but they told they couldn't do anything. The amount in total that was taken out my account was around XXXX XXXX dollars and around XXXX transactions of a XXXX. In addition I have had to buy XXXX cash app card for XXXX dollars each because they messed up and only replaced my same card the first time so these transactions kept happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Second Round Dispute and Debt Validation Request for Medical Collection Dear CFPB, I am writing to follow up on my initial dispute regarding the accuracy and validity of a medical collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. 

Account Information : * Collection Agency : XXXX XXXX XXXX XXXX * Account Number : [ Account Number ] * Amount : {$2900.00} Laws Being Violated : 1. HIPAA Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). The specific violations include : * Unauthorized use of my unique health identifier.

* Obtaining my individually identifiable health information without my consent. 
* Disclosing my health information to unauthorized parties. 

These actions are punishable under HIPAA, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report. 
* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

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 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
There was a fraudulent purchase made on my account with XXXX XXXX and when I became aware of of it thru an email alert, I called them the same day and told them I did not authorize or purchase the item for order # XXXX and to cancel the order before it ships the representative said they would catch the order before it shipped and that I would not be responsible for the fraudulent purchase on my account, I also ask the rep to close my account " AND '' ( the other accounts associated with the account number listed herein ), as there are other accounts that use that same account number listed herein which as of this morning it is still open as I was able to get into the account with the account number after I told the rep XXXX days ago to close the account # XXXX. As of this morning it shows shipped yesterday XX/XX/year> and it was suppose to be cancelled as I did " not '' order a " XXXX inch '' XXXX XXXX. I filed a Identity Theft/fraudulent activity report as requested and faxed it to the business ( XXXX, ATTN : Credit Dept ), to no avail as of present date, XX/XX/year>, account still open and shows fraudulent order shipped yesterday by XXXX ( See attachments ) .....

Company response to consumer: Closed with explanation