vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
Submitted child support lien to bank per their requested method. Bank refused to accept and acknowledge lien stating it is address to XXXX XXXX Recorder which is not accurate. All liens are recorded at the recorders office. Emailed several times for assistance and left a message was blown off. Their refusal is a violation of Texas Statute Sec. 157.3145 and 157.327 which is a violation of law. 


Sec. 157.3145. SERVICE ON FINANCIAL INSTITUTION. ( a ) Service of a child support lien notice on a financial institution relating to property held by the institution in the name of, or in behalf of, an obligor is governed by Section 59.008, Finance Code, if the institution is subject to that law, or may be delivered to the registered agent, the institution 's main business office in this state, or another address provided by the institution under Section 231.307.

( b ) A financial institution doing business in this state shall comply with the notice of lien and levy under this section regardless of whether the institution 's corporate headquarters is located in this state.

Sec. 157.327. EXECUTION AND LEVY ON FINANCIAL ASSETS OF OBLIGOR. ( a ) Notwithstanding any other provision of law, if a judgment or administrative determination of arrearages has been rendered, a claimant may deliver a notice of levy to any financial institution possessing or controlling assets or funds owned by, or owed to, an obligor and subject to a child support lien, including a lien for child support arising in another state.

( FAMILY CODE CHAPTER 157. ENFORCEMENT ( texas.gov ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-01 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a beneficiary for accounts in Citibank ( also trustee/executor of an established living trust. ). Owner had died with a death certificate dated XXXX. On XXXX, I obtained the Owner 's monthly bank statements and noticed fraudulent transactions beginning XXXX. I provided constructive notice of fraud ( explaining how certain mysterious new transactions of a XXXX XXXX XXXX were happening 2 weeks after his death including student loan payments, rent payments, and credit card payments ) to the branch manager. 

Provided death certificate to bank branch on XXXX and had the branch try to resolve my issue. Citibank 's fraud investigation team noted that it will need time to investigate. 

On XXXX ( and per email ), I received notice that no investigation had began, and that I would need to go through probate to obtain Letters Testamentary. I responded on XXXX with an email noting an unsatisfactory response and negligent fraud monitoring/fraud investigation department ( which I would also request you look into ; their fraud monitoring department is inefficient and negligent ( see my examples to as why in the email. ) Their executive response unit responded on XXXX with a case number XXXX ', stating that they will look into my claim. 

On XXXX, I discussed with Citibank XXXX XXXX, XXXX XXXX certain transactions for her to look into. On XXXX, I received a 'closing " response letter stating that I will still need Letters Testamentary to initiate a fraud claim. The subsequently closed my initial claim number XXXX ' stating that they had 'successfully " resolved my case within their specified time frame. I disagreed, and they opened a new claim 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Sent a letter to the credit reporting agency on XX/XX/year>. They notified me that they won't look into my disputes because I didn't send it, which is untrue.

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 2024-05-01 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 just checked and reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-01 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: CA

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 2024-05-01 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: CA

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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Charge Off Reporting on Credit Report Dear XXXX, I am writing to dispute the accuracy of information on my credit report. According to my credit report, there is a charge off listed under account number XXXX. I believe this information to be inaccurate and request its immediate removal from my credit report. 
Per the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding said debt. I have not only notified the debt collector associated with this account but also provided written notice to cease further communication regarding this debt. Therefore, any reporting related to this debt violates my rights under the FDCPA.

Furthermore, under 15 U.S. Code 1681s2, it is prohibited to 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. Given that I have disputed the accuracy of this charge off, and it has not been verified or validated by the creditor, continuing to report it is a violation of this statute. 
Case Law - See XXXX XXXX XXXX XXXX XXXX  - As noted by plaintiff 's counsel, such credit card statements are generally trustworthy and reliable. But if the last statement of the account 's status as of XX/XX/XXXX is accepted as accurate, it merely shows a balance of {$0.00}. It further suggests that defendant 's debt may have been discharged, cancelled, or forgiven by plaintiff in XX/XX/XXXX, in exchange for a bad debt tax write-off. 
I request that XXXX promptly investigate this matter and remove the inaccurate charge off from my credit report. I also request written confirmation of the removal once the investigation is complete. 
Enclosed with this letter are copies of documents supporting my dispute, including proof of my written notice to cease communication with the debt collector regarding this debt. 
Please treat this matter with urgency and provide a resolution in a timely manner. You can reach me at XXXX or via email at XXXX if you require any further information. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-01 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: Kovo
State: GA

Complaint narrative:
Please correct In accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently pulled my credit report and it was things there that I wasnt aware of. Wrong amounts, wrong dates and if Im not mistaken the bureaus and the company has to report correctly, and if this is the case I filed identity theft because someone is reporting wrong information on behalf of me. I didnt even recognize the dates. How can they do this without my concent or signature. How is this legal, and my guess is that its not. Its causing me so much stress, please have them remove this immediately. This breaks so many violations. I have attached many of the violations in the paperwork that I have recently looked up and consulted my lawyer about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I placed orders to buy XXXX. Approximately XXXX XXXX dollars worth. The company, Gemini, purchased the XXXX for my account. On XX/XX/XXXX I logged into my Gemini account and my account was frozen. I attempted to contact Gemini but no response. The only way to contact them is through email, period. They have absolutely no other means. I looked into the transaction history and notice that the funds used to purchase the XXXX had been return to my bank but the XXXX still remained in my account it was not sold. I immediately tried contacting Gemini to get an answer or understanding of what happened. If it was a banking issue by my bank or some other issue, I wanted to resolve the problem right away. After, numerous of attempts over days and weeks I received not one response. So, to be honest, I left it alone and forgot about it. There was nothing else more I could do. Then, in XXXX of XXXX, I received an email from the company requesting to vote on Bankruptcy decision that was on going with a company Gemini had a partnership with. I was able to place my vote but the account was still frozen. I was extremely surprised to see that my account was still opened and still had the XXXX purchased in XXXX of XXXX. I assumed for sure that the XXXX had been sold and the closed. But no, this company had held the XXXX in my name for all this time. But not allowing me access or notification. In my opinion, to me that's pure fraud. After this email about the vote I attempted again to contact Gemini to get an explanation of why the XXXX is still in my name but can't access it with the account still being frozen. No response again. Then approximately in the middle of XX/XX/XXXX. I received any email that I had 24 hours to deposit by wire the original cost of the XXXX purchased on XXXX of XXXX. I attempted to do just that but I couldn't because the account is frozen, Again, I tried emailing them again explaining I can't wire because the account being frozen and if they could unfreeze so I could fulfill what they are requesting. No response again. They next day Gemini sold a portion of the XXXX to cover the original cost of the purchase. Once again, I began emailing everyday to get answer for all that was going on and to unfreeze my account. Because it was obvious that the original purchase of XXXX was never reversed and that the XXXX purchased was still real and in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
Since XX/XX/year>, there was unauthorized transactions that were which lead to XX/XX/year>. The total amount for these transactions {$3200.00}. One transaction from this claim was only approved for an amount of {$1.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I was charged {$280.00} on XX/XX/year> for something that I did not order. I filed a dispute with my bank, Wells Fargo, and denied it and took the funds back out of my 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 2024-05-01 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief