vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date OpenedXXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

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 2021-03-23 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute CenterXX/XX/XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I requested validation of an item reported by Transworld System Inc. I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPPA release form authorizing Transworld System Inc access to my medical records.

Please delete this information from my credit file with all 3 credit bureaus XXXX XXXX and XXXX and cease all collections activities immediately! 

I will be pursing every legal action available against Transworld System Inc should this item not be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: NJ

Complaint narrative:
i have a Pennsylvania unemploymen card with Relicard. The card never left my possesion but was being used by someone in XXXX with carges totaling {$4400.00} Disputed the charges as soon as they came to my attention. Sent all documantaion that Reliacard asked in a timely manner. recieved letter stating " Based on our investigation we have concluded no error occurred therefore no funds will be credited to your account and this matter is considered closed. '' called to ask how this was determaned and was told the matter is closed and if i didnt have any new info they where not going to look anymore into it. It was 27 charges total starting on XXXX totaling {$4400.00} all online the charges go against my spending history and no deliverys from any of the companies where delivered to me .No one from Reliacard has reached out to me to discuss these charges. 
'

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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: NC

Complaint narrative:
Some collection agency reported a {$6600.00} collection balance on my credit report yesterday. Prior to this phantom collection account appearing on my credit report, I have received no communication from this agency whatsoever. No calls, e-mails, letters, or anything. Without notice, they just reported it on my credit report. According to the Fair Debt Collection Practices Act, this collection agency was supposed to supply me with a 30 day notice to dispute the debt, before they put anything on my credit report. I certainly would have contested it, because I do not owe {$6000.00} to anyone. Therefore, since Plaza is in violation of federal collection law, I demand that they remove this unfounded collection account from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in 2020, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX credit Dept that will confirm there were NEVER 60 day late payments made in 2020 for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.

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 2021-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Business Corporation
State: TN

Complaint narrative:
My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
XX/XX/XXXX is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXXXX/XX/XXXXand was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: LA

Complaint narrative:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
One numerous attempts I have sought explanation from XXXX about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a 1099c from XXXX cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX  as well as Experian. When Experian reached out to XXXX / XXXX, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Ive had my checking account for over 22 years. I had an unexpected yearly fee get withdrawn from my account for XXXX on XX/XX/21. I was unable to get to the bank to deposit funds on that date resulting in an overdraft. I deposited funds sufficient to cover the amount on XX/XX/21. I contacted Wells Fargo to request the fee be waived due to the circumstances and was denied based on what they said was my past an account sanding etc. I have not had a fee waived in over a year so I do not understand why I was denied for this. My account should be a team member checking

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/XXXX i got a notification from paypal that my account is access is limited and told me to submit 3 things, National Id, Provide Proof of id address and provide information on account activity which i did provide. Since i have no National id yet because of another lockdown here in the PH because of covid, i provided my birth certificate, which also has my current adress in it. On XX/XX/XXXX i recieved another notification that my account is banned from paypal but i can still use it and they would email me. That's all i know for now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my 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
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has significantly lowered credit line on 2 personal credit cards the same week that the card/s were paid down by 48k+. They gave no notice. When asked, Chase bank stated that this was a random check and it had nothing to do with the cards being paid down/off. This happened within 3 days of payment to chase bank. Clearly, the bank doesnt want to allow the previous credit line and has taken it upon themselves to change the credit line to within 1,000 of current balance. They never reached out to me but state otherwise without providing details on how they attempted to contact me. Chase bank refuses to change there position. This clearly is a reach by the bank that has put myself in a dire financial situation. If they are doing this to me Im sure this must be ongoing with most customers during this financial crisis the Country finds itself in. Unethical treatment and outright abuse of myself without explanation is shameful and in order of significant investigation into this practice by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.

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 2021-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
*Initiated a transfer of {$50000.00} USD to the account of a friend in XXXX XXXX XX/XX/XXXX via Transferwise. 
*While the transferwise website indicated that the transfer was complete after 3 days the money did not arrive in my friend 's account *Upon contacting Transferwise, they indicated that the money was being held by their intermediary agent in XXXX was requesting additional documentation on the reason for the transfer. The transfer was to cover costs associated with our construction of a family home so we provided our land title and info regarding the source of funds. 
*After many inquiries and approximately 10 days delay, we received a notification from Transferwise that the money was rejected and returned. The website requested routing and account info to transfer the money back to me. At this time I provided info for the exact same XXXX brokerage account from which the original transfer came. 
*After several days the money did not arrive in the XXXX account and upon inquiring again with Transferwise, I was told that they can not transfer to a brokerage account. 
*Subsequently I provided them information for a bank savings account under my name. 
*I then received a request for documents showing from where the original funds came from, so I provided that even though there own records should have shown that it came from XXXX XXXX 
*Now 3 days have passed and I have bot received the funds back into my XXXX account and customer service is now longer responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
One numerous attempts I have sought explanation from Macys about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a XXXX from Macys cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX as well as XXXX. When XXXX  reached out to Macys / Citibank, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make. I also received a letter dated XX/XX/XXXX where states AFTER OUR THOROUGH INVESTIGATION OF THE CLAIM, WE HAVE CONCLUDED THAT YOU ARE NOT RESPONSIBLE FOR THE DISPUTED BALANCE AMOUNT ON THIS MASTERCARD ACCOUNT. Please find attached a copy of the letter sent.

Company response to consumer: Closed with explanation