vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 

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 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 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 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Several fraudulent unauthorized charges posted to my debit card. I immediately reported the fraud to Wells Fargo and filed a claim with them. They credited my account for some of the fraudulent charges. However, they permanently withdrew money for several other fraudulent charges stating that they concluded that the charges were authorized by me and that a processing error did not occur. The charges were definitely not authorized by me. I explained to them that I have been a victim of XXXX XXXX ( i.e. fake tax return was filed ) and filed an XXXX XXXX  Report with the Federal Trade Commission. The fraudulent charges were reported immediately upon discovery. By failing to refund the fraudulent transactions, Wells Fargo has refused to honor their zero liability policy.

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 2024-06-21 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:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly 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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
We ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) have been using Square Up for my XXXX XXXX for XXXX plus years and we have never had any issues with them that we knew about until just recently. Yesterday, I went to go transfer about {$10000.00} into one of my bank accounts so we could pay our bills and I noticed there was about {$3500.00} missing out of our account with Square Up. So I called down to their company to find out what happened to the money and they explained that we were on what they call " reserves '' and we would not receive our money back until they deem it necessary to give it to us. I asked why, they said " in case there was a charge back that hit our account ''. You'll notice I uploaded a bunch of screenshots that show you over the last 4 years almost we have only had two chargebacks to the tune of {$820.00}. For a full fledged moving company that's been in business 20 years XXXX chargebacks in a XXXX year is not bad at all and Square Up did not incur any debt whatsoever behind that. We have more than enough cash on hand in all of our bank accounts to handle any and all chargebacks. So I explained that to them and said I wanted to get my money back immediately. They told me " our account was under review and they will get back to me '' and hung up on me. If you look at the other screenshots that I sent you, it shows you all of the reserves that they took over the last month equaling a little over {$10000.00}. And if you look at the other screenshot, it actually gives us a date on when I will start to receive that money back. But the problem is, I will be dead and gone by then. It's actually the year XXXX. Yes you heard me correctly, the year XXXX! Please see the screenshots so you can confirm what I'm telling you. I want to get all of our money back immediately, so we can pay our bills and move XXXX XXXX XXXX  to a company that we deem worthy of our business. Thank you! XXXX XXXX CEO and Founder of XXXX XXXX XXXX. Since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

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 2024-06-21 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 have formally disputed inaccurate information and it was re-investigated by XXXX Experian and XXXX with account number XXXX, XXXX and account number XXXX XXXX also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate 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 explanation
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My is mortgage company is raising my escrow payments by {$500.00} a month due to a shortage that doesnt make any sense. I have never missed a payment and now they are saying I owe them over {$5000.00}. There is nothing on their website that shows me where this amount came from and there was no shortage as of last year ( which makes this even more confusing since my total taxes and insurance have an annual total less than what this new shortage is ). This company bought out my loan from my original mortgage company and the only way to contact them is through an online chat which randomly gets closed most of the time you use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to obtain my consumer report from credit reporting agencies.

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 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Green Square Company LLC.
State: MI

Complaint narrative:
Have been calling non stop for months. 
On XX/XX/year> I received a call from my mother in law stating that someone contacted her from their office. 
I called them back to get info about the account/collection and spoke to XXXX XXXX XXXX if that'sreally his name, because I was hesitant about their validity in the matter. But they would only give me the current debt holder and how much they were charging and not the original creditor or amount. They were threatening to sue and send to court, so I enquired about a payment plan.

But he just pretty much said he could only negotiate a lump sum payment?!

I said I would get back to him when I figured out my budget ... A little later I received a text feom my brother in law stating the same thing from the XXXX XXXX. So I decided to call them back to ask them to stop harassing my family members about my account, but they didn't answer, I assume it was after hours so I left them a message about it. 
XX/XX/year> He calls again stating he is returning my phone call. So I asked him to please stop contacting other people about my account and that they should only be speaking or contacting me about it. He tells me that he is not a debt collector and he is not contacting anyone about my account. I tell him this is the phone number my family members gave me to call so clearly you are contacting them. I tell him it is against the law for you to continue to contact others about my account if I ask you not too. 
He proceeds to get ugly with me and starts yelling and cursing about how I better pay or their going to send me to court. I just said ok, ok, I'm going to report you now and I hung up on him. So here I am reporting them.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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 2024-06-21 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: DE

Complaint narrative:
This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) due to ( 7 ) accounts were verified that I disputed because Experian PUBLISHED/FURNISHED these accounts illegally without my written instructions. This is a blatant violation of FCRA 602 which states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states that a CREDIT REPORTING AGENCY namely ( EXPERIAN ) can not FURNISH an account without my WRITTEN INSTRUCTIONS This is NOT a request for another REINVESTIGATION nor for another REVERIFICATION!

This is a request for ALL the records that will reveal the procedures used that led to the ( 7 ) accounts to be verified.I gave NO Permission or any type of Consent to Experian for these accounts to be furnished on my Experian credit report. Therefore, I gave NO written instructions and ALL ( 7 ) accounts should be REMOVED!

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that I have a right to receive a description of the procedures used that led to the accounts to be verified along with the names of the person ( s ) you spoke with along with their names, address and telephone numbers that I should receive from Experian in 15 days.I disputed the accounts via CFPB # XXXX on XX/XX/XXXX. The results information is showing on Experian Report XXXX Date Generated XX/XX/XXXX and Experian Report XXXX Date Generated XX/XX/XXXX. 
( Screenshots Attached ) show the accounts were verified and still appear on my Experian report ( s ) currently. 
Again this is NOT a request for a REINVESTIGATION nor a REVERIFICATION. 
Send me the information that I am requesting in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 days in accord with this LAW or delete the accounts listed below due to lack of verification. 

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 non-monetary relief
Consumer complaint received 2024-06-21 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief