vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Monday XX/XX/year> I activated the tap to pay feature for my business. I used the Try a payment button to send myself {$1.00} with my XXXX XXXX card. It was successful. That same day, I uploaded pictures of my jewelry to the website and updated my profile pictures. The next day, XX/XX/year>, I received an email from Venmo stating my account was frozen due to possible User Agreement violations. They asked for my ID. I complied and sent in a photo of my id and passport. I contacted the company via Chat XX/XX/year>. They said they could not tell me why I was suspended. Later that day I was notified I was permanently banned without explanation. My personal account in them that is now unavailable to me. I strongly believe that this band was a mistake and I would like my account reinstated and access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
I told Experian, reinvestigate this accounts : Account name : XXXX XXXXXXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX {$890.00} tried resolving. Debt is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: NC

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

has violated my rights. Or a list of inquiries : 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-21 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Saw a post on XXXX  stating that a XXXX XXXX was being offered for free since the person posting said they had bought a new XXXX XXXX and wanted to do a " good deed '' by giving his other XXXX XXXX  away to anyone who sends him a message with a good reason as to why he should send it to them. I sent a message via messenger and he quickly replied asking me where I was located. I told him, in which he then responded that he was located in XXXX, and since I am Located in XXXX  he would be happy to ship he laptop to me. I agreed, with him saying the cost to ship through XXXX  would be {$50.00}. I then transferred the {$50.00} to him through my chime bank account to his chime bank account, btw the is all happened on Saturday late afternoon/early evening. Fast forward, the next day ( Sunday ) I receive message from him saying he could ship the XXXX  XXXX but it would cost another {$50.00}. I declined in which he then told me that XXXX shipping was the only way, in which unsaid then nevermind, and to please cancel the transfer of {$50.00} and have it returned to my account. After that, I no longer received any more responses from him, nor am I able to contact him anymore after this. Reached out to chime, explained what has happened, in which they explained that the transfer could only be cancelled within 24 hours of the initial transfer. Since it had been in the timeline of 24 hours, I was then told that she person I had transferred the money to would have to wait 2 business days before the funds would be cleared and available for him to retrieve, by chime policy. However, once the rep. Tried to begin a dispute for this transfer, she said that her computer was down and that there wasn't anything else she nor anyone else could do since the person I transferred the {$50.00} to had already withdrew these funds since chime bank had already released the funds, contrary to heir policy, not only before the 24 hours had passed for me to cancel this transaction, but also before the 2 business days had been established as well. Therefore, chime bank aka " XXXX '' didn't follow their own policy when it comes to bank transfers. I explained this to her rep, in which she essentially told me that there wasn't anything she could do and that I am going to have to forget about the money that was sent to this scammer. P. S. I have an screen shots of the entire convo between myself and this scammer as well as the time and day of the transaction I'm speaking of. Also, chime bank 'supposedly '' records all of their conversations so my convo with the chime rep on Sunday, XX/XX/XXXX should be recorded therefore able to be retrieved. Please reach out once the this situation has been looked into, as well as if you need any of the screenshots, and/or have any questions or concerns about XXXX  matter to please feel free to contact me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report under the account number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine.

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately.

I hereby request that you take the following actions in compliance with the FCRA : Remove the collection account XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
Cease all further reporting of this inaccurate debt to any credit reporting agencies.

Provide me with written confirmation once the collection account has been removed from my credit report.

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA.

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities.

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TN

Complaint narrative:
TO EXPERIAN, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 
Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''. 
PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX my card stopped working. For four days I attempted to reach Marcus GM card and was put on hold for 10s of minutes before being disconnected. Their web site is of no use as it refers you to their customer service number which apparently never gets answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
In XXXX, I surrendered my license to XXXX XXXX in California. That automatically put me on the Office of the Inspector General, the State of California, and the State of Michigan 's automatic exclusions list. After five years I was removed from the OIG list, and recently I checked the online lists for the respective States. I was not on those lists. I should not be on those lists. This is outdated information. I wrote hard copy letters to each State asking to be removed from any lists and never heard back. Now this is coming up again in my background check for a new job that I desperately need. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I made an incorrect electronic transfer of {$2700.00} dollars from a Wells Fargo Savings Account to a Wells Fargo Credit Card having a XXXX balance at time of transfer and still having a XXXX balance, with the exception of the {$2700.00} surplus. Before the incorrect transfer was completed/ posted, I immediately called Wells Fargo and tried to terminate the transfer. That was impossible. I was advised during another phone call to Wells Fargo to wait until the erroneous transfer posted to the Credit Card, and then personally transfer the surplus funds back into the originating account. I did that, and then the transfer showed up on my Credit Card as a cash advance, which carried a fee of over 20 %. So, I called Wells Fargo again and was advised to transfer the money back to avoid a fee with a cash advance. It should not have been a cash advance, I was merely trying to get the surplus incorrectly paid to a Credit Card with XXXX balance back into my originating account. I have called Wells Fargo each day over the past seven days, sometimes several times per day. I have spent hours and hours of my personal time trying to get the {$2700.00} transferred back into my original account. Electronic transfers can be accomplished within hours and days. Yet, Wells Fargo will not timely transfer my funds back to my originating account. I need access to those funds now to make a payment I can not make by credit card. I suspect Wells Fargo is using my funds while I am being denied access to those funds. An electronic transfer from one Wells Fargo account to another Wells Fargo account should not take 30 days. Wells Fargo used to allow customers to transfer surpluses on their credit cards to other Wells Fargo accounts. The Wells Fargo can not provide any information to justify this unreasonable delay. The Wells Fargo staff provide incorrect information and directions and dates regarding this situation. Meanwhile, Wells Fargo is controlling access to my money that I need access to, and am being denied access to by Wells Fargo.

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 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
{$4300.00}, On XX/XX/year> I deposited a check via picture through the Chase app on behalf of my father I had his full authorization to do so. XXXX weeks later I call Chase to ask for the check status and I find out that my account is being closed for potential fraud and the check funds will not be released unless my father has a verified phone number. I asked if there was any way I could go to a chase branch with my father so he could present his Id and get it verified that way. The answer was no he had to have a verified phone number tied to his name. He has a phone number but the records dont show his name tied to his number therefore he cant get his funds. 
My father and I have tried opening new phone lines to see if we could get XXXX to his name but weve had no luck. They say if after XXXX years I can not get the check verified they will send the money to the government. I feel like this isnt fair to my father or me if the only way to verify is through a phone number l, it would be logical if we can visit a branch and verify it that way.

Company response to consumer: Closed with non-monetary relief