vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my complaint for you to notify that I want you to delete those items that are seems to be fraudulent on my credit file. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These are the following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX, XXXX XXXX Balance Owed : $ XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$180.00}.

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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XXXX XXXX, I reached out to Afterpay via the hardship department about my loans totaling of about XXXX XXXX I was not past due at this time, payments were scheduled throughout the next six weeks originally before enrolling in the hardship program. 

I was told my payments were all paused while Afterpay processed the plan. 

Early morning of XX/XX/XXXX I received an email saying that the plan was approved, that my first payment would be XX/XX/XXXX and that no payments were due until then giving me breathing space A few hours later I began getting back to back charges totaling over XXXX XXXX from Afterpay, forcing me to freeze my debit card to make it stop. over the next few hours they would attempt over XXXX times to take the full XXXX ( XXXX as XXXX had been successful moments before causing me to overdraft ) The payments were never due, they were spread out until XXXX originally before the hardship enrollment. 

Upon enrolling in the hardship, there was an unexpected error ( afterpays words ) which caused this because it was entered incorrectly on their end. It had marked every single loan past due and changed every installment date to XX/XX/XXXX. 

Afterpay adjusted the hardship to its proper terms several hours later after several emails ( they do not have a phone number ) but are refusing to return the money that was wrongfully taken. They admit that it was a mistake on their end but will not return the money to me. I have emails proving this was a mistake that they admit. 

Afterpay refuses to return wrongfully taken funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did a points transfer of miles from my Venture XXXX card to XXXX XXXX. The transfer never went through and I made a case with Capital One about this. They still have not resolved this for me by crediting the points back. I'm more than frustrated. 

In addition, I went to XXXX in XXXX of XXXX  and I had issues with a few merchants. I opened disputes regarding several transactions and even submitted documentation proving why I should be credited back. Capital One sided with the merchant multiple times and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Monterey Financial Services LLC
State: KS

Complaint narrative:
The company is committing massive fraud for thousands of consumers daily and will not stop

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First National Collection Bureau, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX is a huge scam company that continually reports on peoples credit report and when you call them to provide proof that the debt was paid long ago and they even overcharged me. They have changed name several times and create a new credit reporting agency and then report that new agency on your credit as if they sold the debt to this new company. 
They have been damaging my credit for over 10 years. the original company was " Why not Lease it '' by XXXX. 
I reported them with XXXX credit bureau and they keep sending letters that my debt is owed even after I have sent them proof and bank statement that they kept charging my bank accounts unauthorized to do so. they even overcharged me I have contacted them several times throughout the years every time they change names and sell of to the new company and they just have you go in circles and can never find a solution to the problem. The debt just continues to reappear and debt owed to a new company keeps reporting on peoples credit. they must be doing this to many people, they are a huge scam operation and don't know how they have gotten away with this for so long. 
I was able to finally get them removed through XXXX but shortly after received another letter with a new credit collection agency saying that they sold the debt to them and I still owe them. 
Please help me, I don't know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following accounts currently listed and showing on my Experian, XXXX and XXXX XXXX credit report are not my accounts : Bank XXXX XXXX XXXX XXXX XXXX, balance : {$330.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX  XXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023 I received a phone call from someone claiming to be from the fraud department at Wells Fargo Bank.They said they noticed some unusual activity on my debit card.Had I traveled outside of XXXX in the last couple of days.I said no.They said someone tried to use my card in XXXX in the amount of XXXX XXXX.She then said she would have to secure my account.She told me to go online and tell her my last 3 transactions that I used my card on.I did.Then she said someone had also used XXXX to send themselves some money out of my account and that she would walk mr through the steps to reverse this transaction.She told me to go into XXXX and XXXX this code in XXXXWhich turned out to be a phone number.I said that says XXXX, she said yes thats the investigator that will be handling this case.She had already asked me earlier what my amount was showing of my bank acct on my side earlier.So she said put XXXX in the amount and that nothing would leave my bank acct that this is securing it so no one can transfer it.I did.She then said Mr.Fredneshia would be giving me a call back within 24 hours and the money would be back in my acct.We hung up and I called Wells Fargo and they told me they could not reverse my transfer and that I had been scammed.So I filed a claim.On XXXX! XXXX they sent me a letter stating that I initiated the XXXX transfer, which I did not cause I thought I was talking to a bank employee and securing my funds.And that the transfer had already been approved and processed.and they are unable to stop or reverse the funds.They have notified thr receiving bank and XXXX about the scam and they have closed my claim.I was not reimbursed.Wells Fargo has done me wrong.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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 implore you to take action and remove these fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MO

Complaint narrative:
This company has pursued this fictitious debt against me for several years and in the past has used threatening phone calls and other tactics. I have previously filed police reports yet they persist in harassing me. 

XXXX XXXX XXXX continues to claim that Plaza Services , LLC purchased a debt for {$2000.00} from XXXX XXXX with account number XXXX for a loan prior to XX/XX/2019. This loan has never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received two bank-wires via Wells Fargo from XXXX from one individual in XXXX for purchase of a product- a XXXX. The buyer asked me to cancel the order and to refund his money as I was in the process of sending the instrument but stopped it in time. The total cost of the XXXX  was close to {$5000.00}. He sent me two wires 14 days or so apart for {$3400.00} and then again for {$1500.00}. I told him I would happily return his money but because I was a little suspicious agreed to reverse the wire and send the funds back to the original sender. Which I did by telephone and completed with two confirmation numbers. Two weeks later the buyer said he had not received the money. I called Wells Fargo 4 different times and was told 4 different reasons as to why NO ACTION HAD BEEN TAKEN toward refunding the money. Culminating in one final call yesterday the person stated they had no record of the confirmation numbers and that I would have to go in person to a WF branch as wire reversals could only be done in person- this response entirely different from the other 4 calls. The WF branch near me is by appointment only and the next available date is 5 days from now. The banker had no explanation how I could have gotten four other misleading answers.

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/, I received a Cash app debit VISA. My name is on the card. I did not set up this account and do not recognize the Cash app tag. 

I immediately contacted the company to close the account. Cash App informed me even though my name and address was on the account, I could not close it because I could not verify the telephone number on the account. While someone used my name and address to open the account, they provided a different telephone number than mine. 

Cash App will not allow me to close this fraudulent account with my name on it.

Company response to consumer: Closed with explanation