vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
Unfortunately, despite repeated requests, your company has failed to provide the necessary burden of proof to prove the rent payments claim. This is a serious concern that needs immediate attention and resolution. 

I am left with no choice but to formally demand that your company produce the complete and accurate ledger detailing the rent payments from your client within the next 15 days. Please comply with this demand to ensure I can initiate legal action against your company for engaging in what appears to be unlawful practices through a collection agency. 

Unfortunately, I'm in this situation and must address your company 's lack of professionalism and responsiveness. As a last resort, I have no option but to escalate this matter further by using my attorney. 

Please treat this matter as quickly as possible. I'd appreciate it if you could immediately pay attention to providing the requested proof to avoid legal action. 

I'd like quick action and a solution to this issue within the timeframe I've specified within 15 days of this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received my first billing statement from SYNCHRONY CAR CARE I spoke to XXXX XXXX XXXX they offered a 24 month promotional financing. I got my first billing statement and it shows 24 months financing. I get a email on XX/XX/2023 stating I called to update the promotion financing. I called SYNCHRONY CAR CARE on XX/XX/2023 advising them I never made a call to them to request a different financing only to be told it was not offer to me. I was too by the merchant XXXX XXXX XXXX he could offer me 24 months financing, I even have it in a text message from them. I

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 2023-09-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are XXXX unauthorized transactions on my debit card. I was told to call back on Monday because the dispute department is not open on Sunday. 

Doesn't the dispute department need to be available XXXX hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: HireRight Solutions, Inc.
State: NY

Complaint narrative:
Can use my XXXX or other account like XXXX I was able to use now I can't also lost my job after had a month working got a pre adverse letter I have aXXXX XXXX but I have turn m life around have problem with background check got a letter from fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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:
XXXX XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Acct # XXXX Wells Fargo Bank credit card has placed a lien on my home which is illegal to begin with. 

It's a credit card and transfers can not be made to a home. They can use a collection agency. 
Also Wells Fargo is bankrupt and has no standing. and the person signing the XXXX is XXXX and makes it a foreign entity trying to interfere. The document doesn't appear to show an amount, but the clerk of XXXX XXXX does not have the authority to just slap a XXXX on anyone 's property. 

Remove

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
MY CREDIT SCORE DROPPED XXXX POINTS DUE TO ERRONEOUS INFORMATION FROM DILLARDS/WELLS FARGO. I HAVE BEEN TRYING TO RESOLVE A {$27.00} BILLING ERROR THAT OCCURRED IN XXXX OF 2022 AND WHICH NOW TOTALS {$270.00} DUE TO FEES AND INTEREST THAT I DO NOT OWE! THIS HAS DRAGGED ON AND ON AND ON FOR 11 MONTHS. I OPENED A COMPLAINT WITH CFPB AND RECEIVED A LETTER LAST MONTH FROM WELLS FARGO SAYING A CREDIT WAS APPLIED, BUT I AM STILL RECEIVING A BILL ( WITH MORE INTEREST AND FEES ) AND MY CREDIT REPORT REMAINS INCORRECT. WELLS FARGO HAS BEEN ABSOLUTELY HORRIBLE IN HANDLING THIS AND OBVIOUSLY DOES NOT WANT TO FIX ANYTHING. 

SEE CFPB REPORT 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 monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/2023 XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have XXXX credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. 
Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since PayPal is completely incompetent and has refused to do their job. My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, 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 2023-09-10 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: GA

Complaint narrative:
The month of XX/XX/2023 I didn't have any inquiries on my credit report well on XXXX XXXX of 2023 there were XXXX inquiries added to my credit report and I immediately called the companies and let them know that I didn't apply for any of the inquiries that were listed on my credit report. I immediately filed a police report about the inquiries on my credit report and I mailed them off to each creditor which they have failed to remove the unauthorized inquiries from my credit reports and this is why I'm submitting a complaint.

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 2023-09-10 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: NV

Complaint narrative:
I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-09-10 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.

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 2023-09-10 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.

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 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed by chihuahuagarden.com on XX/XX/2023. I supposed to purchase a XXXX puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX ), I used Zelle to send my payment for the puppy ( Zelle to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX  XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that chihuahuagarden.com is a SCAM and it is included in the list of XXXX Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, XXXX XXXX to dispute or reverse my payments thru Zelle and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX XXXX 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NV

Complaint narrative:
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: DC

Complaint narrative:
I have a debt collection letter from MRS BPO , LLC for {$110.00} for XXXX. 

1 ) I logged into XXXX and currently have a positive balance. 
2 ) I do not recognize this debt. 
3 ) I can not actually log-in to MRS BPO , LLC. I have tried the letter ID they gave me. I have tried last name, and last 4. Nothing has worked. 
4 ) The website references a page with a signature, I think I've only received the 2nd page of a correspondence. I believe this is a badly orchestrated scam. 
5 ) Just realized they also sent it to Washington, DE not Washington , DC.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am being violated by Transunion, XXXX XXXX XXXX credit bureaus under 18USC1514 ( d ) ( B ), 18USC873, 18USC4, 18USC241, 18USC242, 18USC247 ( a ) ( 2 ), 18USC912, 18USC1661, 18USC2325, 2326, 2327, 2328, & 42USC408!

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 2023-09-10 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with explanation