vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Virginia FCRA 8.01-246 ( 2 ) and ( 4 ), the following information is missing and/or inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX - Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. Balance reported however account charged off in XXXX, correct balance is XXXX violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted XXXX XXXX XXXX Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. 

XXXX XXXX XXXX XXXXXXXX account charged off however balance reported. Balance reported should be XXXX. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted. 

XXXX XXXX 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX incorrect. account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to onetime. 

XXXX XXXX XXXX XXXX XXXX - 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incorrect. Account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to ontime. 

XXXX XXXX collection XXXX -No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. Violates Fair air Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. thefore must be deleted. 

XXXX  collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

XXXX collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XX/XX/XXXX XXXXXXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2023-11-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XXXX  XXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
I opened this claim XXXX, the claim was denied without requesting any information, just denied. I have the invoice and order receipt showing that the merchant must sent the purcharse to my address and a specific delivery date that wasnt followed. I never get the order. 
Attached goes the order receipt.

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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX I made a cash app mobile check deposit from my employer for XXXX It was accepted that same day and promised available next business day. 

Then, when it didnt show up I called the check writer, the money left their account Tuesday. 

It is XX/XX/ the check still shows accepted but cash app hangs the phone up on me when I ask for when the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I opened an account at Capital One Bank in XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX in XXXXXXXX XXXX during this time I had a lot of issues with this bank including mailing out debit cards to different addresses in XXXX  and not being able to access my accounts as well as fraud and possible identity theft with my deposits and withdrawals and unauthorized transactions. They closed my account without informing me no explanation at all Also they still have an account in my name XXXX XXXX as a XXXX XXXX XXXX now living in XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I believe this bank along with whomever is accessing this accounts under false pretenses and using said accounts to receive Federal Benefits in the state if XXXX  XXXX, XXXX, XXXX, XXXX, including XXXXI I would like this investigated. thank you my names or names these accounts are or possible under are XXXX XXXX or XXXX XXXX I currently receive XXXX benefits or even XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: MO

Complaint narrative:
My friend, is deceased now. During XXXX, he was in several hospitals. He was severely XXXX  and ended up dying of a XXXX XXXX and XXXX XXXX. 

During his illness, I was the emergency contact for the doctors and nurses and I monitored his health care as best as I could. Somehow... .some person put my name down as the Guarantor! Never in a million years would I agree to pay for someone's hospital or medical bills!! It's truly a mistake made by XXXX Billing department. XXXX and I were married from XXXX to XXXX. We remained friends ever since that time. 

On Tuesday, XX/XX/XXXX, I was contacted by a debt collector who wanted payment for a date of service of XX/XX/XXXX for my ex-husband. They said my name was down as Guarantor and I explained to her that that is simply not true. She then told me to contact the hospital. 
I then called the billing department and spoke to a woman who confirmed that I was listed as the guarantor but said there was nothing she could do about it and that I needed to send an email to XXXX. Five days later I received a standard form letter along with a paragraph that asks me to send them a divorce decree. I am not spending money to send away for a divorce decree. NONE OF THIS IS MY FAULT AND I AM NOT THE GUARANTOR.. This is someone's mistake. Some lazy person who didn't bother to research the account. They just plucked my name from the emergency contact list and began to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
My wife was wrongfully accused to pay a balance to an apartment she and I have never lived at before and has gone onto her credit report affecting her credit score. We did try to contact the debt collector to come to a resolution and they are wanting to have us contact their dispute team via Email. I was able to contact the apartments as well and they gave me the telephone number associated with the debt collectors. Also, an active dispute has been also sent to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Requested assistance in XX/XX/2023 as we were 3 months behind on the mortgage due to loss of income- we are both self-employed. Was told by the representative that we didn't qualify for a modification. XX/XX/2023 received a letter from Selene Finance offering us a modification but the home went into foreclosure in XXXX. We filled out the necessary forms, submitted bank statements on XX/XX/2023. On XX/XX/XXXX, i was contacted by Selene as they needed the profit loss statement for my husband 's business - that was sent in to them. On XX/XX/XXXX they needed by profit loss statement and I sent that in to them at XXXX ; XXXX XXXX. via email. Selene has closed the application on XX/XX/XXXX stating that the application was incomplete and I was informed via a phone call that I placed to Selene. They have no intentions of approving a modification as the foreclosure sale date is XX/XX/2023. 
I submitted anew application on Friday XX/XX/XXXX which doesn't give us much time to stop the foreclosure if they don't review the initial documents sent. I've sent a complaint about the situation to Selene, the XXXX XXXX XXXX who's handling the foreclosure and XXXX XXXX Mortgage Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I want the bureau to look into these accounts that are wrongly showing me as late when I've always been on time with payments.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please investigate and remove the late payment from my record as it is inaccurate. I take pride in my timely payment history, and this entry does not reflect my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: ID

Complaint narrative:
My credit report has incorrect information claiming I was late, but I've never been late.

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 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
On or around XX/XX/2023 I received an alert from XXXX XXXX that had a collection placed in my name from Transworld Systems. After review, it appears the original creditor is " XXXX XXXX XXXX '' for a charge of {$420.00} for an account opened on XX/XX/2023. XXXX XXXX XXXX is based in Texas, where I have never lived or had any utility services. Someone was able to open an account in my name through fraud. The account was closed and a collection placed that is affecting my credit. 

I called the company but they informed me I needed to go through these steps in order to have this negative occurrence and collection removed. They offered no assistance or details on how this account was opened without my knowledge or consent. 

I received no calls, emails, texts or notifications from XXXX XXXX XXXX notifying me an account had been opened or that a debt was owed until this collection appears on my credit alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: PA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
Department of Education has transferred the account over to XXXX, but still reporting on 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 2023-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX  has transferred the account over to XXXX, but still reporting on 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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
On Monday, XX/XX/XXXX at XXXX XXXX  I received a phone call from XXXX. The man informed me he was with Ally something and that I had a debt owed from XXXX XXXX XXXX XXXX XXXX. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. 
I discharged this debt on XX/XX/2007 case number XXXX US Bankruptcy Court Eastern District of Arkansas XXXX XXXX XXXX 
It has been XXXX  years since this was discharged and they should not be calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax is reporting wrong information on my credit report as they are saying I was late but I was never late!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened up a credit card and lost it every time I try to access the account Im being told my information dont match so they wont allow me to access it. However I get a email about the account and their allowing late fees to continue to build up on the account but wont give me access to the account

Company response to consumer: Closed with monetary relief