vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I deposited a {$2000.00} balance transfer check ( from my Barclays credit card ) into my bank account ( XXXX, checking account ) on XX/XX/year>. A few days later, it was returned to me by mail, by XXXX. It didn't get deposited. I'm not sure why. 

When I logged into my account a few days later to make a payment on my card, I noticed that they charged me the {$2000.00}. Additionally, on XX/XX/year>, they charged me a {$26.00} returned check fee. 

I called Barclays customer service and got the run-around. I got transferred XXXX times. I finally got someone who was able to acknowledge the error and said it was getting taken care of. I got a confirmation #, which was XXXX. 

I logged into my account today ( XX/XX/year> ) to make my next credit card payment and noticed that they didn't do anything. The {$2000.00} was not credited back to my account. 

I'm on the phone again with customer service and am getting nowhere, even after giving the explanation of what happened again, and the confirmation number from the previous call. I keep getting put on hold and right now, I'm on hold again and the call time has already exceeded XXXX minutes. 

I'm extremely frustrated. They're trying to steal {$2000.00} from me essentially. The transaction statements clearly show that the {$2000.00} was never deposited into my account due to the {$26.00} returned check fee. 

Can someone help me make them credit the {$2000.00} back into 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding to inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Requesting my mediation proposal {$4500.00} additional payment Wells Fargo account number ending in : XXXX Wells Fargo Mediation Program I have been completely dropped and said my case is close. I did not receive {$4500.00} and I continue to file complaints to YOU the consumer financial protection bureau with XXXX help. You send to WF and they contact me from a department that tells me that they are not the department to help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Upon reviewing my credit report I've noticed many inconsistencies that are affecting my score as well as impairing my ability of employment and other financial endeavors 1. miscellaneous addresses 2. collection agency 3. inaccurate information across all 3 credit bureaus XXXX XXXX XXXX XX/XX/year> {$770.00} I never consented for any of my personal debt to be sold or communicated to the credit bureaus I am actively seeking the purchase agreement to verify they own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, 2023 I went to the XXXX, the hospital filed a claim and was paid yet the doctors failed to file at all and turned it over the the collection agency United Collection Bureau , INC . I have informed them on at lest XXXX phone conversations and one 3 way phone call with my insurance company XXXX XXXX on how to file the claim. They keep saying that the were not able to pull me up. I have sent a certified letter with the information and yet still get the same answer " we couldnt pull you up ''. I am fully insured and no other companies have this problem, they keep wanting my social and my spouse 's social and we have given them and informed them like my insurance agent did over the phone that it has to be filed with the policy/benefit number. My agent informed them as well as I that if they have filing questions to give them a call but they have never called. I honestly believe they are trying to not file in order to try to get me to pay the entire amount instead of the insurance accepted amount that was agreed when I went to the XXXX.

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

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to Transunion. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.

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 2024-06-06 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: NY

Complaint narrative:
Name : XXXX XXXX Address:XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX  XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: OK

Complaint narrative:
In accordance with the fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiallity under 15 U.S.C 1681. 

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 15 U.S.C 1681 XXXX XXXX XXXX. States that I have a right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX : It also states that a Consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( A ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
They called left me a voicemail today XX/XX/XXXX I called them back but they were very nasty. I also stated can u please send me and email so I can understand whats happening. But no stated that they cant. This was the VM .. they stated they were from CREDITFRESH back in XXXX for XXXX This message is solely intended for ______ My name is XXXX XXXX XXXX I'm contacting you in regards to a claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do need to make you aware that once this claim is Officially filed it does become a matter of record There's an order of location issued out for you Since I'm unable to reach you by phone, I've been instructed to contact your employer and speak with you I just looks like it might be a possible place of your location ______, you do still have the right to contact the office handling your claim and the phone number provided to contact their office directly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you will need to provide your claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has redeemed notification by telephone and you will be located today unless I'm instructed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXXXXXX XXXX, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2024-06-06 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : 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 In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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 2024-06-06 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: UT

Complaint narrative:
Experian, I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.

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 2024-06-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation