vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX has violated my rights15 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 an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I have initiated a money transfer on.zelle and realized that the recipient is NOT ENROLLED IN Zelle, so I cancelled the transaction but they charged me {$27.00} as stop payment fee. I called multiple times but they blame my bank for that however my bank says the money is taken by Zelle. According to zelle XXXX XXXX webpage I got this information CAN I CACEL PAYMENY? 
You can only cancel a payment if the person you sent money to hasnt yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasnt yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. 

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and can not be canceled. This is why its important to only send money to people you trust, and always ensure youve used the correct email address or XXXX mobile number when sending money. 

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you arent able to get your money back, please contact XXXX XXXX XXXX XXXX XXXX member services. 

Scheduled and recurring payments are features provided by XXXX XXXX XXXX XXXX XXXX in our online banking and mobile banking app and are not features of Zelle. Please contact member services with any questions concerning scheduling or recurring payments. 

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following 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 2024-05-06 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: NY

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following 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 explanation
Consumer complaint received 2024-05-06 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2024-05-06 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, I have been a CapitalOne customer for over 4 years now. I have a Quicksilver credit card. Last year in XX/XX/year>, I used the credit card at a spa in Massachusetts. The spa automatically signed me up for auto-billing for {$80.00}. I told them in person, over the phone and via email that I am not interested in a monthly payment plan. The spa acknowledged this but went ahead and charged me for the months of XXXX and XX/XX/year>. I filed a dispute with CapitalOne. For the month of XX/XX/year>, the merchant accepted that they were at fault and CapitalOne resolved the dispute by crediting me back. However, for the month of XXXX, CapitalOne says that the information is insufficient. This doesnt make any sense because it is the same merchant, the same card, and the same amount that was billed for two months. If the evidence for one is sufficient how can it be insufficient for the next month? I have called the customer care and escalated it to the managerial level several times. Each time, they ask me to send evidence and then it never gets resolved. This has led to late-fees and interest accumulating on my card and has affected my credit score. On top of this, I keep getting calls from debt-collection asking me to pay the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: UT

Complaint narrative:
I was Trying to get a XXXX XXXX when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness. I Have Been Trying to work with these Companies for Months and they have done Absolutely Nothing to help me. And are breaking the 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc.
State: NY

Complaint narrative:
In XX/XX/2023 I was charged roughly {$1000.00} for a custom shorts order through XXXX. They sent a payment portal through the company Plastiq. XXXX XXXX took 5 months to finally ship the shorts. When they finally did 4 pairs ( {$240.00} worth never showed up ). I have video proof from my front porch that only one box was ever delivered. I repeatedly contacted XXXX XXXX to let them fix their mistake and they ceased responding. I attempted to do a chargeback with chase but too much time had elapsed since the initial charge. Following this I repeatedly explained everything to Plastiq and XXXX XXXX and they have never responded. I could not even track the package to see if it was supposed to be two boxes because the only tracking provided was an empty link to the ups website. This has been a horrible experience overall with both Plastiq and XXXX XXXX. I would recommend never using or purchasing from either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IN

Complaint narrative:
For the charged off XXXX XXXX account ( ending in XXXX ) I requested the 1099C form to validate the debt was canceled. Upon receiving the 1099C form I noticed that the account number reflecting on the form ends in XXXX my XXXX XXXX account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either XXXX XXXX made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and Equifax and XXXX XXXX this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



XXXX XXXX - XXXX 1099C form - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was scammed out of {$7000.00} and I reported it to BECU. I had to get a new account and new online profile. Scammers hacked my account and profile and XXXX XXXX account as well. I had to recreate all my accounts and reported it to the bank. BECU reimbursed me but a month later told me to pay it back in XXXX days and I told them, I was scammed but they said it doesn't matter. If I don't pay in XXXX days that they will report me and not able to open other bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have filed 2 complaints in the past few months where nationstar mortgage continues to ignore the fact the Plaintiff, owner of my mortgage " XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as XXXX XXXX XXXX  to XXXX XXXX XXXX as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX has not existed since XX/XX/2007 and when asked them to provide proof my mortgage was still still owned by the alleged owner, they still refuse to provide proof the plaintiff exists. So attached to this complaint is a copy of the actual CERTIFIED, SIGNED DOCUMENT FROM THE SECURITY AND EXCHANGE COMMISSION OF THE UNITED STATES OF AMERICA, SIGNED, DATED WITH A GOVERNMENT SEAL showing the trust Nationstar mortage claims my mortgage is owned by does not exist. Also the New York State Department has no record of this trust as again, it does not exist. Nationstar 's filing with the court that gives instructions to anyone bidding on my house for the foreclosure action, they will not guarantee the title and it is written in the filing that no one can do any recourse against the Plaintiff for a bad title. This is more proof, Nationstar Mortgage knows the Plaintiff is not the plaintiff and the title is no good. Their claim that I defaulted on a modification with the " plaintiff '' is also not true. The modification clearly shows a different lender and I never talked to the " plaintiff '' about a modification, nor agreed to one with them and the " Plaintiff '' Never signed the modification, nor are they listed anywhere on the Modification. Attached is that file as well. Bottom line, Nationstar can not come up with any proof to dispute my claims, only just to say the service my mortgage on half of the plaintiff which is hearsay. The only way that Nationstar Mortgage can verify their claims is for them to produce evidence my mortgage was deposited and currently in the trust and that the PLAINTIFF provide an affidavit claiming the infact they do own my mortgage. How can the SEC Security and Exchange Commission provide a certified government sealed document showing the trust listed as the Plaintiff does not exist, but Nationstar continues it's talking points? It can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi I guess I am one of many having problems with Fifth Third Bank, This bank is saying That I applied a credit Card account ending XXXX with them when I have never applied for it, Now they are saying that have a balance in that card of {$14.00}, I have never applied for this card and what I would like is my information being erased forever from this bank, I have being receiving statements of this card even when I am not the card holder, they also sent me a check with a credit of {$29.00} that is a negative balance in one of the statements they have been sending me and now that there are a balance of {$14.00}, I ask this bank to erase my information from its database immediately, I not going to pay any balance of any card I haven't applied for or any card that it has got a fraud on it, I have been in the United States living for 17 years, and I've never being involved in a debt I have not being able to pay, I have never gotten any problem with any banks in those 17 years. This bank has been making my life miserable since time ago, I have never complained of any other business in my life time living here, all the problem is with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
*In accordance with the fair credit reporting act convergent account these XXXX accounts have violated my rights to privacy Account Information XXXX ) XXXX XXXXXXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX ) XXXX XXXX {$760.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX {$430.00} XX/XX/XXXX 15 u.s.c 1681 section 602 A. states i have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX  emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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