vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: GA

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. these are the inquiries : XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/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 2024-03-20 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: FL

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. XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

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. these are the inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-20 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: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
They said in XX/XX/XXXX they sent me an email to verify my already verified paypal account that I had open for 4 years with them. I thought the email was a scam, so I ignored it. Normally the funds we collected for our business was transferred over monthly. When I tried to do it manually we were locked out. When we finally got a live person, after many attempts to solve this through " message chat '' we found out they would continue to collect payment from our clients but would not release or transfer the collected money to us until we " passed verification '' which was wanting to know what our business is and my passport. 

I have been a veterinarian since XXXX, I now consult and sell supplements by drop ship. We use the Standard Process company for all of our supplements. They are high quality whole food based nutritional supplements with a health care practitioner account. 

Paypal will not release over XXXX of my money and this will put me out of business since this is my working capital. 

Please look into this matter. I have called, chat messaged and all they say... 

" We require a bit more information '' ( Which I have submitted to them ) to make sure we can support the type of business you are conducting. '' You won't be able to do certain things with your account until our review is complete. '' They continue to collect payment from my clients but won't allow me to access it. This is not logical or ethical, how could this be legal. Here is my paypal reference number Reference ID : XXXX. All they say to me is they are waiting for Back office compliance team to sign off on it. They keep saying 5 days but is has been weeks. 

Kindly XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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: IL

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
Had a fraudulent transaction on my account, that was then promptly followed by overdraft fees with overdraft protection enabled on my account. I contacted US Bank when I noticed the fee 's, they refused to remove the fraudulent transaction because of how long it took me to notice the transaction and continued to bill me more overdraft fee 's totaling over {$400.00}. This occurred during the pandemic.

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 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is the installment loan I used for my XXXX aligners. XXXX, I received notification via email from XXXX XXXX XXXX  that they have filed to seek protection under Chapter XXXX of bankruptcy. I was approved for a realignment of my aligners due to fitting issues, and my appointment was on XX/XX/XXXX. I have a lot of unusable aligners, prompting XXXX to allow me to have the aligners adjusted per their Smile Guarantee. XX/XX/XXXX, XXXX notified me that they have ceased all XXXX operations, and customer support via their XXXX number is no longer available. The email also said orders have been canceled and will not be shipped, current treatment plans under the XXXX XXXX XXXX platform are no longer available, the XXXX XXXX XXXX is null and void effective immediately, and if there are any questions about treatment plans to refer to my healthcare provider or local dentist. This information is also currently on the small XXXX XXXX website. I paid my installment loan payments to XXXX XXXX XXXX for my XXXX XXXX XXXX  aligners. I have a lot of unused aligners because XXXX XXXX XXXX ceased operations. XXXX XXXX XXXX  has advised customers to continue making payments per the XXXX program. 
I spoke with XXXX XXXX XXXX and have constantly contacted them. I have made all required payments until XX/XX/XXXX because I'm waiting for more information as instructed on XXXX XXXX XXXX 's website. 
I spoke to XXXX XXXX and XXXX, representatives at XXXX XXXX XXXX, and have asked for a settlement for a lesser amount because of the inability to use the product I originally received per an installment loan ; the XXXX  guarantee is no longer available, and I asked if XXXX XXXX XXXX would settle for a lesser amount. I sent an email to XXXX financial direct compliance representatives XXXX XXXX and XXXX XXXX requesting a settlement due to the list of facts. I am still waiting to receive a response. I asked that the balance of this installment loan be forgiven and relieved of my financial obligation to Smile Direct CLUB and XXXX XXXX due to the financial burden of my treatment plan being abruptly discontinued. I have been advised that my loan payment is 30 days past due, and I risk collections efforts. I Have revoked their access to my payment details in my first complaint. However, this has not happened, and my payment information is still on file. I no longer want to be financially obligated for this installment loan and have reached out to XXXX XXXX XXXX with that request, resulting in unsatisfactory results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MO

Complaint narrative:
Starting Tuesdays XXXX XXXX @ XXXX XXXX. I can not and have been denied access or info about my XXXX ( XXXX ) in my Cash App wallet!! The app keeps crashing.. I asked and begged for alternative to solve by cash out or transfer to another wallet.. Customer service made me log in and out, uninstall and reinstall app several times. They requested and I sent video evidence.. I'm told they know issue and are working on it and just wait and they will have a solution shortly.. when I check on progress and hour later, they are clueless and all over again.. I ask to speak to someone higher up and beg for a call.. I'm told wait.. I would NEVER bought or sent XXXX to Cash App if I ever thought I would not have access to it as I have for last couple years!! Appx value is approx $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MD

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20 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: FL

Complaint narrative:
I am disputing certain information in my credit file that I believe is inaccurate. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, if applicable, removing this inaccurate information from my credit report. 
Upon reviewing my credit report, I have identified negative account entries that I do not recognize and therefore dispute. I am concerned about the accuracy of these entries, as they do not reflect my credit history accurately. 

Below are the details of the item in question : Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX XXXX XXXX  Reason for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX  XXXX Reason for Dispute : This account is was paid off in full and because I have a new credit product with them it was agreed by XXXX  XXXX to delete this account to start rebuilding my credit.

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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to file a complaint against Credence regarding their debt collection practices, which I believe constitute harassment. The debt collector, operating under the phone number XXXX, has been repeatedly calling me at the following dates and times:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This is only a small sample of the calls that I can access in my recent call log. I called my mobile service provider today to request a full report on this number, but they advised I would need an attorney to request this of their legal team. They also see on their end no record of the calls, but when I showed them my call log on my phone physically, XXXX representative suggested this caller might use a "blocker." 

Additionally, I would like to provide context regarding the nature of this debt. According to them, it pertains to a medical debt from XXXX amounting to less than XXXX. Despite the relatively small amount, the debt collector's aggressive pursuit has made it challenging for me to address the matter appropriately. I have spoken to this alleged debt collector by phone once in late XXXX XXXX, but regretfully I do not have a record of the date and time. I requested information proving this debt was mine and supplied an address they could mail it to but have received nothing to this day to show it is a legitimate company or debt. I also asked them to not repeatedly call me during my working hours which was wholly ignored. This relentless pattern of communication, despite my requests to cease phone contact, has caused me significant distress and interfered with my daily life. I believe their actions violate the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from engaging in harassing behavior.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credence for their harassment and violation of debt collection laws.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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 2024-03-20 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: TX

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-20 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: FL

Complaint narrative:
XXXX XXXX illegally keeps putting derogatory information on my account after I had it commit corrected by the law and Im gon na give you the lie right here accordance with the fair credit act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE This company corrected my credit report and they made it back derogatory again I will get a lawyer and sue you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I callled XX/XX/year> and asked for my information to be removed that I do not owe any debt and I dont have anything past due they are trying to collect money without any debt.

Company response to consumer: Closed with non-monetary relief