vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has refused to pay for charges related to an out-patient back XXXX ( XXXX to XX/XX/2022 ) due to previously unknown dual coverage with XXXX XXXX XXXX Despite my submitting appeals for 7 different charges related to said out-patient back XXXX, XXXX has not negotiated with the providers or XXXX XXXX to finalize disposition of charges and payments. The providers are now after me for over {$60000.00} in charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: SC

Complaint narrative:
I submitted two withdraws from my Betterment account to my external XXXX XXXX account. I was told the transfer would be completed in 1-2 business days, however it never was. So I contacted Betterment and they informed me that they placed a hold on my account so the transfers were not completed. During this hold time my money was not available and it was not collecting interest. So not only was my money not available, I also lost money because the interest was not be accrued during the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3. Additionally, please provide written confirmation and proof of original contract with the results of your investigation and any actions.

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 2025-02-13 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for : Accounts : 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3. Additionally, please provide written confirmation and proof of original contract with the results of your investigation and any actions.

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
Personnell from challenge financial came to threaten at my home on XX/XX/XXXX for a car payment that I said XXXX done, I've had more than XXXX calls of them for the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-02-13 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: TX

Complaint narrative:
Ive contacted Cash app. Cash app told me I have an account when I explained to them called them. Email them sent all kinds of documents to them stating I do not have an account with them and that will be my first time opening a Cash app account they still sent me an email saying this is linked to a terms and conditions that I violated. How did I violate anything when I didnt have a cash app account to begin with? Theres some fraud going on with Cash app because Ive never had a cash app account now when I go to open the Cash app account, it wont let me open because it says something is linked to my information and I dont have a cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi XXXX XXXX Close my acct because they said they tried to extract money and it didn't go through. I made a payment to them on XX/XX/XXXX for {$250.00} I didn't need to make any other payments. My acct shows no sign of them trying to get payments. My bank would have charged me a fee if something didn't go through, but I have NO charges. I explained that to a supervisor and she didn't care about any of that and said my acct is closed.It 's not fair and I have excellent credit and if they report this it will hurt my credit. I was having trouble receiving e-mails and I had to call XXXX mi Internet provider to rectify the situation. They said they can't send a letter to anyone stating I had trouble receiving e-mails.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a complaint against Wells Fargo for their refusal to reopen or initiate a new claim regarding a fraudulent transaction associated with XXXX, a company widely reported as engaging in deceptive practices. 

Details : Date of Transaction : XX/XX/year> Amount : {$310.00} Description : Purchased flight insurance and cancel within guidelines of medical injury signed off by Veteran Care provider due to back injury. Claim was denied with the evidence. 

Upon discovering the fraudulent nature of the transaction, I contacted Wells Fargo to dispute the charge. Despite providing evidence and referencing multiple reports of XXXX fraudulent activities, Wells Fargo declined to reopen the claim or initiate a new one, stating it has been closed by XXXX and can not be reopened or resubmitted. 

This refusal has resulted in financial loss and significant inconvenience. Moreover, it raises concerns about Wells Fargos commitment to protecting its customers from known fraudulent entities. 

I request that the CFPB investigate this matter, compel Wells Fargo to address the fraudulent transaction appropriately, and ensure that they uphold their responsibility to protect customers from scams.

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 2025-02-13 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that are negatively impacting my credit score. I have no business relationship, accounts, or authorized transactions with any of these companies that initiated these inquiries. 

i request an immediate investigation into these inquiries and their removal from my credit report immediately that XXXX is posting on my report but XXXX  ask that they remove them from all credit bureaus. Below are the company and dates for your review. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX AFFIRM - XX/XX/XXXX XXXX XXXX  BANK XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: DISCOVER BANK
State: FL

Complaint narrative:
During a credit sweep I was notified on all 3 credit bureaus that I had a numerous account inquiries that was damaging my credit and I called to have it investigated and removed and they didnt respond or remove it I asked for all parties involved on making the decision to add this to my credit report without my knowledge also to verify how where they able to use my personal information to open this account without the proper steps taking by me which I had no knowledge of this account so under section law of the FCRA s 604 it shouldve been removed and they havent done anything to assure me theyd get it done nor have they shown any proof on how my information nor my signature or anything was involved by me because again I had no knowledge of these inquiries thats showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Car loan with Capital One auto Finance. Every month i do different payments before the payment due date. I specifically pay Interest +principal. In XXXX my statement was principal XXXX, i did my monthly payments until even before the time and then in XXXX my balance was XXXX. As you can see my payment was approx only {$20.00} to the principal. I do payments sometimes twice a month and they always apply the amounts to the correct part ( interest+principal ). Capital one is taking away all the money that imI paid to be applied to the interest. It is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
Institution : FNBO XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Validity for Account ending in XXXX On XX/XX/year>, I sent a debt validation request under the Fair Debt Collection Practices Act ( XXXX  ) to dispute the validity of a debt. In my letter, I requested the following information : - Name and address of the alleged creditor - Name on file of the alleged debtor - Alleged account number - Address on file for the alleged debtor - Amount of the alleged debt - Date the debt became payable - Date of original charge-off or delinquency - Whether the debt was assigned or purchased - Amount paid if the debt was purchased - A signed agreement proving my obligation to pay the creditor - Debt XXXX Response On XX/XX/year>, I received a response from the debt collector, First National Bank of Omaha XXXX but it only included statements of charges. The response did not include the requested validation details proving I owe the debt. 

Follow-up Request and Lack of Response I sent a second letter requesting the missing information, including : A signed agreement proving my obligation to pay - The alleged account number- The date the debt became payable - Whether the debt was assigned or purchased - The amount paid if purchased- The original and current terms & conditions- The name and address of the original creditor - Despite this follow-up request, I received no response. 

The debt collector has failed to provide proper validation within 30 days, violating my rights under the FDCPA. Since they have not verified the debt, I am requesting that this debt be removed from my credit file immediately, and a copy of the deletion request be sent to me. 

Letters were received within XXXX business days ( were sent with registered mail and received by FNBO )

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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX They state I owe {$85.00} to : XXXXXXXX XXXX XXXX XXXXXXXX. 

I HAVE NEVER USED THIS MEDICAL COMPANY. 
I CALLED MY DR 'S OFFICE, WHICH IS A DIFFERENT NAME, AND I DO NOT HAVE A BALANCE. 

THIS IS A SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TrueAccord Corp.
State: SD

Complaint narrative:
Because of a recent medical recent change to my health. I have been unable to work. I have fallen behind on bills. I have hired an attorney and doing a XXXX  XXXX and this collection company Trueaccord for XXXX XXXX. Telephone XXXX. I have been called from them before the XXXX time permitted by the FDCPAon numerous times. They call from these non allocated numbers. I did call on back during business hours and they did title the greeting as XXXX/trueaccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

I believe the have violated this FDCPA violation as harassment total of at least 3 occasions.

Company response to consumer: Closed with explanation