vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2023 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a sneaker app called XXXX  for XXXX. Once I received them in the mail I could tell they were not authentic and requested a return to XXXX. I sent the shoes back to XXXX  and was told that I would receive a refund but never did so I disputed the charge in the amount of XXXX. I sent PNC bank all of the information they requested via email about the transaction however I was only credited XXXX dollars from that transaction. This is due to another credit that was given to me by XXXX  in the amount of XXXX for a completely different pair of shoes. On XX/XX/2023 I order a pair of XXXX  XXXX XXXX XXXX and upon arrival they shoes appeared to be worn and in the wrong box so I sent them back to XXXX for a refund of XXXX. The refund of XXXX that I received from XXXX  was for the XXXX XXXX and not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I'm still missing XXXX from my account because the dispute amount credited should have been XXXX and not XXXX dollars. I called customer service and spoke with them and disputed the transaction again and it was quickly denied and yet here I am still missing my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Thought that I was purchasing a classic XXXX XXXX that was for sale on XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX South Dakota. A wire transfer was made in the amount of {$23000.00} ( with assistance of Wells Fargo XXXX, XXXX XXXX ) XXXX XXXX eased my tension of potential scam/fraud when she stated that the account the money was being transferred to was a Wells Fargo Customer , account # XXXX routing # XXXX The transaction was completed and no car was shipped and/or received. Local Police, XXXX XXXX SD XXXX XXXX XXXX, Iowa, South Dakota and Florida 's Attorney Generals have been notified. Claim has been filed with FBI, FTC as well as a Wire Recall ( funds not returned ) with Wells Fargo.

I h

ave exhausted all legal and financial resources in trying to get my money returned. I want to thank anyone on your team in adv
ance for their time and any assistance they can provide. 
Very Sincerely, XXXX XXXX aka XXXX XXXX ( XXXX ) XXXX XXXX Please note : These funds were from an VA XXXX XXXX XXXX  that had just been awarded. An injury in XXXX while XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit report, XXXX claims that I owe money in their collections. For what, I can only assume? I do not owe the debt, I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I attempted to dispute it and was denied a thorough investigation. The collections obviously changed companies because the date stated is in error. If it's traffic tickets unpaid in XXXX and XXXX, it wasn't me, because I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I received mail once on this matter, many years ago, but never heard anything about it again. If I was responsible and owed, I'd of paid the debt. But putting something in collection without my knowledge and adversely it impacting my credit score without notification is wrong. I have a valid DL and only received one traffic infraction in XXXX, which I paid immediately to the XXXX XXXX XXXX in 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 2024-03-23 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.

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 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Ray Van Klien emptied my bank account but never informed me of a court date. I haven't heard anything from them since around XXXX  when I disputed the collection.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and XXXX credit report information showing a charged off debt from Santander Consumer USA reported on XXXX XXXX for the amount of {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and Equifax credit report information showing a charged off debt from XXXX XXXX XXXX reported on XXXX XXXX for the amount of {$23000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX file number XXXX reference number XXXX original creditor American Express Thank you for talking a couple of minutes out of your busy day to read this letter. I ve enjoyed my relationship with AMERICAN EXPRESS since XXXX. 
Im writing because i noticed your company reported a late payment in XXXX  XXXX on my credit reports. I am requesting a goodwill adjustment to removed this late payment from my credit reports ) XXXX, XXXX, and XXXX. 

Upon review of my record, I realize that I did indeed miss the payment deadline. Unfortunately, I was a victim of bad society that led me to not be able to meet my payments : I take full responsibility for the mistake and have made sure it won't happen again. As you can see from my payments history, I ve made every payment on time both before and after the late payment. 

I am in the process of applying for a loan credit house and the negative impact of the late payment could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary cots in the process. 
I am a XXXX, I work for XXXX. You can imagine the responsibility I have and that I assume the responsibility that I made a mistake and that will never happen again so that you can remove my late payment, please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not authorize these transactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-03-23 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 non-monetary relief
Consumer complaint received 2024-03-23 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. 

Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-23 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. 

Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
For the last 6-8 months I have been in communication with XXXX and Experian about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked XXXX countless times to block and remove the accounts due to identity theft. XXXX did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. XXXX and Experian within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or Experian 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my XXXX and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above XXXX refuses to delete from my credit and Experian. It seems that XXXX and Experian doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for XXXX to present documents that show the verification process for these accounts. No correspondence from XXXX even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.

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