vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
Finding out that false personal information and unapproved credit queries had been done without my knowledge or agreement completely shocked and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I insist that the creditors take prompt action and be transparent. In addition to providing pertinent application materials and proof of express authorization for each inquiry, the creditors are required to give comprehensive details about each inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
Finding out that false personal information and unapproved credit queries had been done without my knowledge or agreement completely shocked and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I insist that the creditors take prompt action and be transparent. In addition to providing pertinent application materials and proof of express authorization for each inquiry, the creditors are required to give comprehensive details about each inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX tried to access my cash app account from my phone and got a generic message that my account had been closed. Reached out to get more information and filed a dispute that they said would take up to 30 days. Meanwhile I could not perform normal transactions. I continue to inquire with no resolution or clear understanding of why the account was closed. No one could provide any details when I called. Finally after being persistent a representative gave me a case number XXXX but still couldn't provide any details. I requested a supervisor and was told there was not XXXX. I am concerned because I have been a victim of fraud and want to understand exactly what is going on with my account that caused this closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OZK
State: AR

Complaint narrative:
XX/XX/year> I closed my deceased fathers business account associated by XXXXXXXX XXXX XXXXXXXX. They issued me a cashiers check for amount of {$3600.00}. Now I brought a affidavit for collection for small estate by distrubee and death certificate. All the documentation I needed to close the account. But the bank of ozk made it out pay to the order of The Estate of my father which I was told by my attorney and other banks that was incorrect and that it should have been writing out too the distributee cuz im not goin thru probate process cuz its under {$100000.00}. And the manager at banks OZK refuses to correct it for me and told me to go to another bank and they'll cash well all the other banks are asking for the same thing which is a letter of testemntery which is only issued if your going thru probate which im not and its because the checks made out to the estate of my fathers and thats telling the banks im in probate so its means I need to open a estate account which needs a letter of testamentary which I cant get cuz im not in probate. The check needed to be written out to the distributee so I can cash it and dispense it to the ones it needs to go to. And now iv got a check I cant do nothing with the banker wont correct it and now the same banker is closing a CD and im afraid hes go in to mess that up too. And Idk wht to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account because I believe it is inaccurate. The FCRA mandates that all information provided to credit bureaus must be both accurate and verifiable. I respectfully request that the creditor or data furnisher conduct an investigation into this matter and supply evidence supporting the claim of a late payment. If the information can not be verified, I ask that it be corrected or removed from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Re : Docket XXXX XXXX XXXXXXXX To Whom It May Concern : I am filing a formal complaint against Pressler , Felt & Warshaw , LLP due to their inaction in resolving the illegal withholding of my wages through a XXXX for a debt that, as the attached response from the law firm confirms, I do not owe. I do not have an open file with them, yet they are still withholding money from my account. Their acknowledgment that I do not owe them anything should be sufficient for them to immediately contact XXXX and release my funds without further delay. XXXX XXXX  has informed me of the docket number above and instructed me to contact the law firm, as I did a long time ago, to resolve this matter to no avail. 

I am once again attaching the proof that the law firm requested, which was sent to them via email on XX/XX/year>, two weeks ago. This proof demonstrates that my wages are being unfairly withheld, that the money belongs to me and nobody else, and that, as of today, I am still waiting for a resolution and the release of my wages. I am in urgent need of these funds to cover my expenses. 

I request that Pressler , Felt & Warshaw , LLP resolve this matter without further delay. Please take immediate action to release my funds and bring this issue to a prompt conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AR

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX is reporting a previously paid off XXXX  debt with XXXX. Additionally, the original debt is prior to seven years from today. This should not be reported on my credit report and XXXX XXXX should not be attempting to collect payment on a previously paid off account. The total they are attempting to {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On several occasions I have complained to the credit card company ( AMEX in partnership with XXXX ) that charges were not appearing on my digital account. I told them that it was causing a lack of awareness of what I was spending. XXXX representative told me I was spending too much. Another told me that it takes a few days for certain transactions to show. And the last representative I spoke to told me that the XXXX XXXX XXXX XXXX XXXX pending transactions hidden. I asked her why that occurred and she said that it was the merchant who wasnt releasing the transaction and thats why the bank was hiding it from me. I told her to please send feedback that it would be most helpful to see every transaction I have to best understand where my balance is every day. She said she did. That was the third time I had asked for the bank to consider sharing more details about my account because the lack of details leads me to believe the at I have a lower balance than what the bank knows to be true. This has caused me to believe Im paying off my credit card and realizing XXXX hours or XXXX hours later that I have not. This hurts my ability to use my digital account to manage my finances. The bank advertises the digital account as an account management tool but I cant manage what I can not see.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Text number : XXXX ( XXXX ) XXXX Scott & Associates PC MSG : XXXX, your account with XXXX XXXX XXXX , XXXX. remains unresolved. To prevent further action, please review your options : XXXX File # XXXX. Scott & Associates is a debt collector. 
Reply STOP any time to unsubscribe. 


This is not me but I been getting calls and texts every month about this person. Nor have I ever consented to getting text messages. Do not text about debts unless permission is granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Ive been charged a lot of overdraft fees on things in my account when I had the money there and they didnt pay it but charged me all these fees days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-26 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: GA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

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 2024-12-26 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: GA

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Request for Debt Collection Dear Jefferson Capital Systems, I am writing to formally request that you cease and desist from any further communication with me regarding the alleged debt referenced in your Account XXXX filed XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this matter. 
Please consider this letter a formal request for you to cease any further attempts to collect this debt, including phone calls, letters, or any other form of communication, except for the purpose of notifying me of any legal action you intend to take. 
If you continue to contact me after receiving this notice, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may consider taking legal action. 
Please note that this letter does not acknowledge or assume responsibility for the debt in question. This request is being made solely to halt communication related to this matter. If you believe this debt is valid and wish to pursue further action, you are required by law to provide verification of the debt. 
Please confirm in writing that you have received this request and that you will comply with the cease and desist order. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-26 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: TN

Complaint narrative:
XXXX XXXX XXXX I hope this message finds you well. I wanted to bring to your attention an issue regarding my XXXX XXXX and XXXX Credit Card accounts. These accounts do not belong to me, as they were acquired by a trusted family member who resided with me in the past. Unfortunately, this family member has since passed away, and it recently came to my attention that they had been using my cards without my knowledge. 

I was unaware of their actions as they were responsible for paying off the bills associated with these accounts. However, following their passing, I discovered the outstanding balance left on these cards. 

I am reaching out to inform you of this situation and to seek your guidance on how best to resolve this matter. Your support and assistance in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX has continued to report information regarding the following accounts despite multiple request to investigate and remove these accounts. I have no knowledge of these accounts and they are negatively affecting my XXXX XXXX. The company did not provide me with proof of debt validation or the contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
On XX/XX/year> I reached out to the company asking for a refund. On XX/XX/XXXX they replied stating no. 
These unauthorized charges have occurred on the dates of XXXX with the different amounts of XXXX XXXX XXXX XXXX  XXXX Over and over charging me again equals to about XXXX. 
As soon as I realized all these charges I reached out to the company, and they didnt help so I reached out to my bank, Wells Fargo and all they did was close the disputes. It only took them a few days they did not do any investigation or even speak with the company all they did was deny me. 
Thats a lot of money for my bank to deny me and not even look into it. They canceled my debit card and sent a new one but closed all the disputes.

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