vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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 am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.

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 2024-05-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/2024 and on XX/XX/2024. 
Account Name : XXXX XXXX Account numberXXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/2024

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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The bank refuses to fix a credit reversal from several months ago i talked with a claim specialist and was told to close my account and there is nothing she will do very rude women the amount is 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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: TN

Complaint narrative:
Representative called and wouldnt let me speak and raised her voice at me. 

I ask to speak to her XXXX and she put me on hold. Then said if I have the XXXX call you back you cant be taken off the no call list. 


In other words - you cant complain or speak to anyone but me or we will contribute to harass you. 

This was not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has as previously reported ( open complaint # XXXX ), unfairly deducted XXXX score points from my score and have, when literally forced to do so provide a score among many other issues they will not address. This recurring problem has existed for years. This current issue they took XXXX pts from my score and have NOT provided any reasonable explanation. I have {$14000.00} in available credit and used this time XXXX of it and they took that whopping XXXX. I have a 100 % payment history and NEVER late. The last time they did this I was informed by them and that XXXX I used over XXXX XXXX of my allowable available credit, which at the time was another lie, and I let it slide. Additionally, they published XXXX score I could readily avail ( i.e. XXXX XXXX or credit card account, etc. ) and then when I searched the actual credit file that score was significantly lower. Since the previous complaint to CFPB they have cleaned up some of the careless and erroneous info. This complaint addresses info around XX/XX/year> or so. I tried to find out why such drastic measures and made contact with someone named XXXX and XXXX on chat and to NO AVAIL. It was difficult to get to them, This was on XX/XX/year> around XXXX pm, est. It is virtually impossible to get a live agent and if you do as has been true some years back, you still get nothing resolved. I have since paid out XXXX credit card and 90 % or more of the other. I plan to not make purchases on these cards as I feel Transunion, XXXX and that XXXX run the show by preventing paying customers from using them and will definitely decrease monies to these card companies when people like me stop card usage alltogether! Also, if you do not use the credit they hassel you and still deduct from your score to coerce you into obtaining these cards and credit and batter the good name and rating with nonsense like they have done me and so many other hardworking American citizens. This is a great injustice and I have figured most of it out but, some day they will be unveiled of these irrational and senseless tactics, calling it law. They have noone 's interest but theirs! As with XXXX XXXX and these other gimmicks to make you pay them! Thus keeping your scores low so if you purchase your interest rates would be astronomical among so many other factors! They can have the credit game and as many Americans find this out, your complaints addressing these problems will surely increase. 


XXXX 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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform www.XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by www.XXXX. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind wwwXXXX. After transferring to the XXXX address, the cryptocurrency was cashed out with a Coinbase-controlled cash-out wallet. Based upon the understanding that www.XXXX is acting compliant and will provide the due care towards its own walletholders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, as of the date of this complaint, www.XXXX has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.coinbase.com failed to provide the required information about the XXXX hosting the beneficiary wallets, where I have made a series of transactions to, www.XXXX  does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
We fell behind on payments for a minute after I lost my job. We have been playing catch up on it and we noticed as we are paying the past due balance wasn't going down. on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made {$100.00} payments on a balance of {$470.00} and none of those XXXX {$100.00} payments reduced the past due. XXXX I contacted the company we were told it all went for interest instead. I requested all payment history and any other document including contracts from them and have been denied and ignored. We also noticed none of the payments made since XX/XX/XXXX have come off the balance either. They have also blocked me from logging into the website I tried to log in and make another payment on XX/XX/XXXX and XX/XX/XXXX and was met with I have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.

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 2024-05-31 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: IL

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

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 2024-05-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunbit, Inc.
State: NC

Complaint narrative:
I contracted with a third party to pay for dental service. The company is called Sunbit. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC accepted the payment. The procedure did not take place I requested a refund from XXXX XXXX  XXXX. They have yet to refund the money to me I have called several times over the past 2 months no resolve. I have also reached out to Sunbit they stated that XXXX XXXX XXXXXXXX XXXX has not requested a refund. I put down a {$450.00} payment and a XXXX has been debited from my account. The agreement number that is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding their refusal to resolve a chargeback dispute for a transaction listed as " XXXX XXXX '' in my credit card statements. 

Despite Capital One 's claims that they requested additional information from me regarding the dispute, I have never received any such request. The only correspondence I received from them was a letter stating that the dispute process had been initiated. I promptly provided Capital One with the contact information of the involved parties, expecting them to gather more information and resolve the issue. Unfortunately, they failed to contact the parties and are now stating that I must contact the merchant myself. 

I contacted the merchant months ago, and they falsely informed Capital One that they never received a refund request. I have concrete evidence proving that the refund request was indeed made and provided this evidence to Capital One. Despite this, Capital One has refused to honor the refund. Furthermore, the merchant has been persistently harassing me and attempting to charge my credit card illegally, even though I informed them that a refund was issued to me. 

The negligence and lack of effort from Capital One in handling this dispute are unacceptable. Their failure to communicate and act on the provided information has caused me significant distress and inconvenience. 

I request the CFPB 's intervention to ensure that Capital One properly investigates and resolves this dispute. I expect Capital One to honor the refund and take appropriate actions against the merchant for their deceptive practices and harassment. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Did a mobile deposit into Citibank account and they considered it a third-party check because my name was not on the account at the time Citibank said just needed to go to a branch with my ID and they would release the funds and that funds were never released. Its been almost a year now Check for {$1900.00}

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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-05-31 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: LA

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX XXXX. This account has resulted in several fraudulent appearing on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and inquiries are the result of identity theft and 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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I am writing to express my frustration and disappointment regarding the unresolved matter of a collection account on my credit report. According to our previous correspondence and agreements, this account was scheduled to be removed from my credit report over two months ago. Despite numerous attempts to reach out to your company via email, I have not received any response or resolution to this issue. 

The collection account in question is XXXX XXXX. Per our previous discussions and agreements, it was agreed upon that this account would be removed from my credit report once the necessary actions were taken.I paid the balance off on XX/XX/XXXX for {$120.00} agreed upon by XXXX XXXX However, despite fulfilling my obligations, the account remains on my credit report, negatively impacting my credit score and financial standing. 

I have made every effort to communicate with your company regarding this matter, but the lack of response and resolution is unacceptable. I expect prompt action to rectify this situation and ensure that the collection account is removed from my credit report as agreed upon. 

I kindly request that you provide written confirmation once the account has been successfully removed from my credit report. Additionally, I expect a response to this letter within [ specify a reasonable timeframe, e.g., 14 days ] to acknowledge receipt and outline the steps being taken to address this issue. 

Failure to resolve this matter in a timely manner may result in further action, including formal complaints to regulatory authorities and legal recourse. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: PA

Complaint narrative:
In a previous complaint, CFPB # XXXX, I alerted the agency that Equifax was not acting in a lawful and competent manner in dealing with an identity theft complaint. The company - naturally - responded that they'd need 60 days to respond to the properly and lawfully submitted complaint but gave no valid reason as to why they needed to further violate the four business day timeframe for blocking as provided in FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Credit Reporting Bureau XXXX had been served with the same documents as XXXX and Equifax and promptly and lawfully blocked the information as provided by FCRA 605B ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. This block was submitted by XXXX to XXXX and Equifax through their information sharing. 

Equifax appeared to have removed all information as of XX/XX/XXXX from information gained from XXXX XXXX. The company, however, had not given specifics of their investigation other than " dispute completed '' appearing in the Dispute Center of myEquifax. 

As of XX/XX/year> Equifax is now reporting the previously deleted/blocked information again, violating my legal rights and causing undue financial hardship. I've been forced to resubmit a dispute again to their website. Equifax appears to be taking retaliatory and discriminatory action against me for the lawful filing of complaints for their flagrant and egregious violations of the law. 

Accordingly, this updated complaint is being filed and I will be seeking damages from Equifax Information Services, XXXX.

Company response to consumer: Closed with explanation