vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
It appears there's been some confusion regarding my XXXX account. Despite returning the phones and receiving a refund for my deposit, I was surprised to learn that my account was sent to collections. I never received a bill from XXXX, and I believed the account was closed after returning the phones. To provide a timeline : - On XX/XX/XXXX, I reached out to XXXX to switch from XXXX XXXX XXXX XXXX 
- My account was created on XX/XX/year>. 
- On XX/XX/XXXX, I received the phones from XXXX. 
- XX/XX/XXXX, I reached out to XXXX to activate and switch lines over to the new phones. 
- On XX/XX/XXXX, I contacted XXXX and informed them that I decided to stay with XXXX XXXX  XXXX due to issues with activation and switching the phone lines over, and I requested my account be closed. 
- The same day, I went to return the phone at XXXX XXXXXXXX XXXX XXXXXXXX but encountered an issue with the manager. I left the store and called the customer service line, where I received shipping labels to return the phones by dropping them off at a XXXX store. 
- On XX/XX/XXXX, I received emails confirming that all three phones had been received and that my deposit was returned to my credit card. 

However, despite these actions, I recently discovered that my account was closed on XX/XX/XXXX, with a balance of {$620.00} in collections with Alliance One. I called to dispute with both XXXX and Alliance One to resolve the issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I wanted to purchase a keyboard from a seller on XXXX. 

Due to the shipping cost, seller suggested that I send him the payment of {$85.00} via Zelle and he would ship the keyboard. I did transfer the funds on the XXXX XX/XX/2024, and the seller never shipped the keyboard. 

Seller 's cellphone number : XXXX Seller 's name on the Zelle account : XXXX XXXX I asked Zelle to do refund on the XXXX XX/XX/2024 since the item was never shipped to me, and Zelle suggested that I contact my bank about it, and said they can not do anything about it, neither did they suggest to file scam complain, just nothing. 

I contacted my XXXX XXXX XXXX XX/XX/2024 ( XXXX XXXX XXXX XXXX ) about it. 

A few days later when my wife tried to send me money to my Zelle account, I learned that it was closed from Zelle 's customer support. It was closed without telling me the reason and without telling me about its closure. 

I never received the refund of {$85.00}, nor the keyboard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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 # XXXX XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge on this matter, and the company acted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-04-25 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: IN

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX furnished my information to Pro collect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX amount XXXX according to 15 u.s code 1681s-2, your company violated my rights. 
a perso shall not furnish any information relating to consumer to any consumer to any reporting agency if the person knows or has reasonable cause tp believe that the information is inaccurate. 

15 usc 6802 obligations with respect to disclose of personal information.

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 2024-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CORELOGIC INC
State: CA

Complaint narrative:
Hello XXXX, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants 1. XXXX 2.XXXX  XXXX XXXX 3 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: OH

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 explanation
Consumer complaint received 2024-04-25 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: CORELOGIC INC
State: CA

Complaint narrative:
Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX XXXX  XXXX XXXX XXXX. CREDCOXXXX  XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS
State: MA

Complaint narrative:
The company Lexis Nexis does not want to block my information, I do not want that company to give my information to anyone and they do not block it. From there they provide information to banks, credit bureaus, and insurance companies, and I want my credit and personal information to be cleaned and protected. They use these strategies I suspect to further raise people 's interest rates. And personal information must be protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have an Exxon Mobil personal credit card, since XXXX. I saw on my statement had many ( XXXX to XXXX or more ) small charges from XXXX locations that I assume maybe gas stations. In one day there were over 20 small charges under {$10.00} each at one location in XXXX. Next day over 20 small charges at a XXXX XXXX location. Exxon Mobil will not talk about it, they just send me to virtual locations for help. When I tell the computer what the problem is, it tells me they don't understand my words ( when I say, 'I need help with unauthorized charges ', they hang up. I sent them an email to cancel my card and they stopped my access to the my statements. I paid for many unauthorized charges to stop my bills. I need to get paid back for those 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 2024-04-25 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 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 as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: IN

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.

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 2024-04-25 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXL Account Number : 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 2024-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
At this time I suspect Sallie Mae student loan provider of predatory lending and am writing a complaint. My son is enrolled as a full-time student at XXXX University XXXX XXXX. He has student loans with private student loan lender Sallie Mae. As of XX/XX/2024, his monthly student loan payment with Sallie Mae was {$25.00}. In XXXX, we made a payment in the amount of {$75.00} to cover current amount due as well as advanced payments, and was told by the Sallie Mae representative that the next payment of {$25.00} would be due in XXXX. However, around XX/XX/2024 I received emails and calls from Sallie Mae that the payment was past due. On XX/XX/2024 I called Sallie Mae and explained that the next payment due was in XXXX. The Sallie Mae representative reviewed the account and said that a payment in the amount of {$5200.00} ( not {$25.00} ) was the current amount owed, and was due immediately! She went on to explain that the {$25.00} payment amount was part of the in-school enrollment option ; that option had ended and that my son was no longer eligible, even though he is a XXXX student. I advised that I wasn't aware that the in-school enrollment had a statute of limitations. My son and I had not received any notice from Sallie Mae that the in-school enrollment option was a limited plan, nor that it is independent of a student 's enrollment status. Or or that the payment would be XXXX as high! When asked, Sallie Mae offered an alternative plan, with a monthly payment of {$990.00}! That is still XXXX higher than what was budgeted for my son 's student loan payment amount. I was told by the rep there wasn't an option for the former payment amount of {$25.00}, and I only had 24hours ( ie XX/XX/2024 ) to accept the alternate plan of {$990.00}. As a single income provider, I can't afford this new student loan payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: VA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-04-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2024 I was purchased an item on XXXX. Tracking information is updated on the item with XXXX. The seller charged tracking information to make it look like the package has been delivered when it hasnt. 

I contacted PayPal credit report the seller as fraudulent. Ask for the money back, but on XX/XX/2024 the money was charged back to my account. They said they will go to seller coz the package was delivered. 

A similar situation of fraud happened to me before, I lost the dispute when the seller charged the tracking information ( initial tracking was fake ) and they showed item is delivered. When I reported the item not delivered. I lost my dispute and money.

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 monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/24 We had a major Fraud on our account, Wells fargo allowed someone in XXXX to walk into bank and add person to our account. 

The online transferred XXXX out of our checking account. 
We have filed claims and they say they are investgating the transactions. We still dont have our funds. We keep get fraud calls to follow up with claim but are just more fraud. 
Wells fargo has internal issue with allowing a person to come in and add to our account. 

Wells Fargo Bank is leaking out you information and not taking it seriously it Big problem

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 monetary relief