vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
XXXX is reporting multiple names and addresses and credit accounts on my credit report that are not mine and not accurate or non verifiable. attached is a copy of my government id letters that i sent to correct my personal info as ONE NAME AND ADDRESS along with the accounts that are not mine. Please delete this non verifiable information immediately.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Agents for Western Union XXXX XXXX XXXX continuously hang up on customers.trying to fix issues ... .that happen with every domestic money transfer. It takes hours to obtain a correct number to receive money or receive a refund. Money in minutes is absolutely fraudulent tag line. Domestic transfers are all fraudulently given incorrext number. Company needs to be disbanded and fined for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: OH

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 2024-03-22 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: OH

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 explanation
Consumer complaint received 2024-03-22 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks

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 2024-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HWARFIELD ( Original Creditor : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an email from Capital One saying that I opened a Capital One Business card account and was approved. I never applied for an account. I also received an email that said I went paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX and XXXX ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. this is because every time i contact XXXX to pay they redirect me to their collections agency zwicked and associates but they continuously say that XXXX XXXX has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted XXXX XXXX  to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. just as ive stated fr the entire duration of XXXX this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because XXXX XXXX has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless XXXX XXXX gets involved. they are replying with false information to my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On Sunday XX/XX/XXXX porfolio recov assoc XXXX XXXXalling harassing me about a debt I don't owe under a name that I don't recognize I tried to tell this people to stop calling me but they kept on going.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: Chime Financial Inc
State: NJ

Complaint narrative:
CFPB : YOUR FINAL WARNING FALSELY MARK MY COMPLAINT AS A DUPLICATE ONE MORE TIME AND I WILL BE TAKING SCREENSHOTS OF MY COMPLAINTS AND WHAT YOU DID WITH THEM AND FILING A COMPLAINT TO THE OFFICE OF INSPECTOR GENERAL ( OIG ). SO GO AHEAD, DO IT ONE MORE TIME ATTENTION CFPB : THIS IS NOT A DUPLICATE COMPLAINT. XXXX has absolutely nothing to do with XXXX. First of all, these are claim numbers that Ive never reported to the CFPB before. Notice the XXXX at the end of each one?? XXXX XXXX, and XXXX XXXX. These are only from last month, so theres no possible way this can be a duplicate complaint. Pay attention. Also look at the documentation I attached to the complaint Completely different than the documentation from the initial complaint. Again, pay attention Secondly, theres a reason why theyre the same claim numbers but have XXXX  with a dash and numbers after them. Because the reason for dispute is completely different than what it was before, which is Paid for by other means, whereas before it was Defective merchandise. Hence, New Claims. So again.. Pay attention!!! Now thanks to your negligence, nothing was done with my complaint for more than XXXX weeks and now I have to start all over again!!! 

Chime has once again disgracefully mishandled and denied my disputes Claims XXXX XXXX, and XXXX XXXX. Both were filed under Paid for by other means, and I sent them a clear bank statement for all charges in question, which show and prove that the merchant charged both of my credit cards for all three transactions, hence why I filed the disputes and under Paid for by other means. I also just wasted a whopping XXXX minutes on the phone with them arguing with a supervisor that wasnt making any sense, saying that the merchant provided them with so-called compelling evidence for both disputes, which was why they denied them. XXXX, thats what that is. There is literally nothing they can respond with that can argue statements from my other bank showing the same exact charges from them on the same exact day. Bank statements overrule everything. There is only XXXX reasonable explanation to Chime denying my disputes, and that is because they are afraid of getting sued by a big corporation So thats nice. Cardholders can never dispute a charge against a big company just because Chime is afraid of them. That is not my problem. They can take the funds out of their own pockets then. If I do not get these transactions posted back to my account, this complaint will remain on file, and I WILL sue Chime for the funds, after being negligent with my disputes!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I Dispute Owning Any and All Alleged Debt to the Collection Company SPRINGOAKCAP XXXX Spring Oaks Capital LLC of XXXX VA. 
Date Opened XX/XX/XXXX Balance of {$680.00} Payment Status Listed as Collection/Chargeoff Can not Be Accurate. The Account Can not be both a Collection and Charge Off Date Last Active XX/XX/XXXX Can not Be Accurate. It is Simply Impossible, False and Deceptive. 

The Illinois Statute for Collecting Debt has Already Expired and Passed for this Alleged Debt. 

I Revoke All Rights of Spring Oaks Capital Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

Spring Oaks Capitol Collection Company has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) And have placed a Collection on My XXXX Consumer Report. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Spring Oaks Capitol Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means. 

Spring Oaks Capitol has made Several Inquiries to My XXXX Consumer Report without My Consent. 

Spring Oaks Capitol Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I am requesting Proof of Notification that this Collection Company provided Me prior to this Account being added to My Consumer Reports.

I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a Best Buy Credit card through Citibank. With one of the purchases, I had a subscription to XXXX XXXX. The subscription auto-renewed. I contacted the Credit card company and told them that I did not want the subscription and that it was canceled online. They told me that I had to pay for to pro rata share of the subscription. I informed them that the error was on their end. They originally charged me {$330.00} for the subscription that I did not want or need. After numerous calls to both Best Buy and Citibank, this has gone nowhere. This has been in dispute since XXXX of 2023. Since then, they have reported me delinquent to the Credit agencies and attempted to extort this money from 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 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis is trying to collect an amount that is not owed by me. I asked them to provided the account statement and it is not showing the correct amount. I asked my landlord to fix the account statement and send it to Genesis. Genesis denied that they received the most updated statement and keeping collecting the amount. It damaged my credit and they refused to handle my dispute through phone call.

Company response to consumer: Closed with explanation