vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 XXXX, XXXX, and Transunion data breach.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mintex Inc.
State: IL

Complaint narrative:
This company has still refused to revert the tickets back to the city of XXXX. I have tried to resolve this on multiple occasions but they have been deceitful. Contacting the city of XXXX finance department I am told that Mintex has to revert the accounts back to the city of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: KY

Complaint narrative:
On XX/XX/year> I received a notification through my XXXX XXXX XXXX that a collection had posted to my XXXX account from a XXXX party debt collection company called Frontline Asset Strategies, in the amount of {$3200.00}. The original credit was listed as XXXX XXXX XXXX. When I contacted XXXX XXXX, they could find no record of my having a collection, so I contacted Frontline Asset Strategies next. When speaking with the rep, they could not match me to any of the identifying markers associated with the collection they had for the individual of the same name, outside of my phone number. The SSN, DOB, address, and email all were for another individual living and residing in XXXX XXXX MO ( I live in XXXX KY ). I was asked to email this dispute to XXXX and provide them with the details, which I did on XX/XX/year>. I have not heard back since then. I also disputed the collection through XXXX, however they state that the dispute resolution could take over a month to complete. The rep at XXXX did state that if I could obtain FTC/CFBP docs verifying the information was incorrect, they would remove the dispute immediately, so I am imploring your help. I am in the process of trying to obtain home financing and this error has cost me severely from a credit standpoint, and costing me thousands of dollars in potential discount point, interest, and monthly payments. I have spent years working and protecting my credit as I work in the mortgage industry and understand that importance of this score. Please help assist me in getting this erroneous credit collection removed from my credit, so I can work to quickly resume my high credit standards. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
PenFed reversed a charge back of {$740.00} to my credit card. I did not receive any documentation to support the reversal nor call from the company. prior to the reversal. Subsequently, I requested a copy of the documentation that was mailed to me on or about XX/XX/2024, Then on XX/XX/2024 I requested that PenFed reopen the denial. I sent them a letter that they had engaged in reckless conduct by failure to observe that the merchant 's " Authorization Form '' had my hand written credit card number, as well as my mark through the word " NOT '' that I would dispute the charge. Moreover, this handwritten card number supports my position that I did not swipe my card with the merchant. XXXX! Furthermore, the towing " receipt '' clearly has my hand written " Refuse To Sign '' for Authorization of charge. My only signature was for possession of my XXXX vehicles. This has been stated repeatedly to PenFed who indignantly refuses to refund my money. Lastly, I was not given a temporary credit on XX/XX/2024. In summary, the failure to provide merchant documents prior to reversal, failure to provide a temporary credit on XX/XX/2024, failure to provide merchant documents in support of their XX/XX/2024 second denial, and reckless evaluation of the merchant response documents to support their reversal, were flagrant violations of the Fair Credit Billing Act ( FCBA ). This was a reckless disregard of Penfed responsibilities under the FCBA. This shall not be tolerated in a civilized society.

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 2024-03-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I called Midland Credit Management to attempt to find a resolution and the advisor was extremely aggressive threatening legal action even after I explained to him my situation. The advisor expressed zero empathy and even declined settlement offer. He boldly stated there are no settlements available and that if we didn't find a resolution on the call today there would be legal proceedings to follow. He didn't care about how the account had come to be. He treated me as if I purposely incurred the debt and not encountered a life event that led to it. I would also like to add that these people are sneaky and will only send you letters claiming to have notified you and make no attempts to contact you by phone for a resolution. They are attempting to cheat the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CORELOGIC INC
State: FL

Complaint narrative:
I checked my credit using the XXXX XXXXXXXX XXXX, and I noticed 3 inquiries from a company called Credo. After researching, I found it was XXXX XXXX. They did a hard inquiry on my credit on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

This is causing damaging effects on my credit. I did not authorize Credo or XXXX XXXX to pull my credit. 

The company can not provide me with information, so there is an error on the part of the company or the credit bureau.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-06 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 with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 XXXX, Experian, and XXXX data breach.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: Block, Inc.
State: VA

Complaint narrative:
I received notification that my Cashapp account was closed on or about XX/XX/XXXX. I haven't had any response until XX/XX/XXXX that said my account was closed and they don't recognize my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MD

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for their repeated failure to conduct a reasonable investigation into inaccuracies on my credit report. Given that I had just turned XXXX in XXXX, the same year as the Equifax data breach, I was not fully aware of credit reports and the importance of monitoring them frequently to ensure accuracy, I had just XXXX XXXX XXXX, I dont have any lines of credit, I was still a dependent of my mom and dad. Despite multiple disputes, Equifax has consistently provided vague statements and failed to furnish evidence of their investigations, abusing the dispute process and allowing inaccurate and disputed accounts to persist on my credit report. 

Specific Issues : 1. Equifaxs refusal to provide detailed evidence and results of the investigation after multiple disputes. 
XXXX. Requesting me to fill out a form for investigation results, contrary to the Fair Credit Reporting Act ( FCRA ) which mandates the provision of investigation results without consumer requests. 
XXXX. Contradictory information from Equifax representatives stating that they do not conduct investigations but rely on furnishers, a practice not in compliance with the FCRA. 
XXXX. As a victim of identity theft and the Equifax data breach in XXXX, my credit report has been marred by false information, causing substantial harm to my reputation and credit access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
I have Disputed Fraudulent accounts on Experian credit re and even after investigation some information was not deleted as i requested. I submitted these accounts to my FTC report as well.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX. XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

YOU Experian have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo continues to refuse to return my money my account was compromised an someone made fraudulent deposits in result to that my money was token I will continue to file complaints until my money is returned

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 2024-03-06 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: Avid Acceptance, LLC
State: OH

Complaint narrative:
I asked the company to remove this from my report because I didnt authorize. The dates are from XX/XX/2022 through XX/XX/2022

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