vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo responded to the CFPB complaint by justifying their non-action because the purchase was a recurring payment. It never recurred. It was a payment of {$240.00} that happened once and was never made again. Does that mean someone can perform fraud and pay for something that could be a recurring payment and the victim will have to live with that charge? No.

This is not my doing and the purchase was one time. I should receive my funds back - the recurring aspect is not relevant in this case. I wont use a debit card on the Wells Fargo business account to avoid these issues any longer, so please do me a favor and get it done.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2023 an application for Bank of America Travel Rewards credit card was processed without authorization and Bank of America processed a hard inquiry pull using my information. This is not the first time Bank of America has allowed accounts to be fraudulently opened as someone used my information for a mortgage when I was only 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 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: TN

Complaint narrative:
I had a doctors visit on XXXX XXXX with XXXX XXXXXXXX XXXX at the XXXX XXXX. I was billed {$130.00} for the visit. My health plan Explanation of benefits shows a diss allowed amount of {$20.00}. My ( patient health plan member responsibility ) was {$110.00}. The bill was sent to collections. Creditors Bureau Associates sent a collections letter. I had a phone conversation and emailed XXXX XXXX on XX/XX/XXXX at CBA that my E.O.B. Says that I only owed {$110.00}. I emailed XXXX XXXX the E.O.B. as she requested. My attorney advised me not to pay it until after the settlement. XX/XX/XXXX I made the full payment of {$110.00} to the collection company CBA above. They continue to this charge on my credit report, and Ive disputed it several times with this company. My doctors office called me today XX/XX/XXXX and said I cant be seen until I pay the collection company Creditors Bureau Associates {$20.00} that I dont owe them. I called the collection company today XX/XX/XXXX @ XXXXXXXX XXXX. and I spoke to XXXX XXXX. XXXX asked me why do I think I dont have to pay the {$20.00}. I told XXXX because I dont owe {$20.00}. Why havent you proved the validity of the debt. XXXX asked me why did I send in a copy of my Explanation of Benefits. I said because its proof that I dont owe you {$20.00}. XXXX said he could no longer talk to me because I disputed the debt. He even read to me the {$110.00} was paid. No I can NOT see the doctor with a PIN code from this collection agency saying the debt has been satisfied. I DONT OWE THE DEBT. XXXX was rude, and refused to correct the issue. Just an arrogant I cant help you. I dont have anything else to say to you, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: DC

Complaint narrative:
XX/XX/XXXX Good Afternoon, This matter involves Cash App. I sent my church, a church offering of {$83.00} on XX/XX/XXXX to their Cash App handle at the time. My church told me numerous times that they called and wrote to Cash App and did not get any response. My church stated that they never received my payment of {$83.00}. I do not have any reason that they did not tell the truth. 

I called Cash App numerous times to intervene. Cash App reps would not talk to me. I requested a refund and that was declined. 
I became weary and tired of fighting with Cash App and just wrote it off. My {$83.00} is hanging out there in space. My church never received the payment and I was unable to get a refund. Message received-completed, refund request declined. 

I went to a virtual wallet workshop a few months ago and shared my story about Cash App. It was suggested to me to get in contact with your agency and file a complaint against Cash App. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following accounts are inaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX Account Number : XXXX I demand that these accounts be deleted from my profile due to inaccurate reporting. 
These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I requested a credit card with guarenteed approval by Credit Karma. 
I put a case in place Number XXXX on XX/XX/XXXX. 
The agent told me I would have an anwer on claiming XXXX dollar guarentee in a few days after they verified XXXX card " XXXX '' refused my card reguest. 
I was refused right after hitting submit and got a letter from card company a couple days later. My credit is rated excellent. 
I emailed Creidt Karma asking why no action has been taken four times. 
No repsonse. 
There is no way to call Credit Karma, no phone numbers work including corporate office. 
I looked on the internet and see that this very issue is being litigated by the FTC. 

I would like a resolution. 
I would like to be party to the penalty Credit Karma is being ordered to pay customers. Large fine set aside. 

Thank you and regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, I have also received information from companys such as XXXX and XXXX about data breaches

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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. 

has violated my rights. Or list of inquiries 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations
prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I am responding to your recent correspondence received on XX/XX/2023 in regards to American Express Company Credit Card # XXXX. The document you sent me ( which I have attached ) shows 1099-c cancellation of debit Copy B for debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
U.S auto sales sold me a car XXXX of XXXX. Ive been paying every 2 weeks and never missed a payment. Ive put in over {$14000.00} into payments for the XXXX XXXX XXXX. West Lake says I owe XXXX more for the car. My XXXX  tags lien holder is us auto sales. It is not west lake. They do not have rights to the car. Even if I pay the car off I wouldnt be able to get the title. if US auto sales filed bankruptcy I havent received the titular or anything for the car. West lake is a debt collector and Ive given them {$600.00} after I found out that my XXXX lien holder is still US auto sales. Someone needs to give me a title or give me my money back. The car was {$18000.00} how do I still owe XXXX more payments out of XXXX its a mess and I need help with this matter. The car is breaking down and I paid for an extended warranty. No one can help me with this. I tried to trade the car in and no one wants to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
On XX/XX/2023, XXXX/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights. 

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

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
as a XXXX XXXX XXXX XXXX XXXX  I have my personal information stolen from individuals that i let live in my home

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: NV

Complaint narrative:
On or about XX/XX/2023 I received a notice for rent increase/failure to pay rent notice on my door, along with every other tenant. XXXX XXXX XXXX was in a transition period with management and staff. Upon receipt of the notice I reached out to XXXX, the interim manager, who explained the letter was incorrect and would be corrected. After two weeks of attempting to contact management or any staff with no call back or return email, I had no choice but to give my thirty day notice. Upon move out I paid rent and returned my keys to XXXX, a fellow resident who also was the interim maintenance person and XXXX XXXX XXXX. Using XXXX 's phone, we reached out to XXXX, whom stated the thirty day notice will be honored and my security deposit will be returned within thirty days of move-out. I woke up Sunday XX/XX/2023 to see that my credit had been hit with a collection, which I had no idea was outstanding or even owed. There has been no communication, breakdown of costs, explanation, invoice or evidence to prove this claim is legitimate. I have reached out to Credit Bureau of Lewiston to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation