vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion 's refusal to comply with this law is a clear violation of my consumer rights.

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 2024-08-24 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
I recently received a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit and buy a home.

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 2024-08-24 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: NY

Complaint narrative:
I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report.

I need these items 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 explanation
Consumer complaint received 2024-08-24 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: AZ

Complaint narrative:
This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 non-monetary relief
Consumer complaint received 2024-08-24 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: AZ

Complaint narrative:
This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my student loan payments and stopped missing payments that were due. I am now caught up on all my student loans. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my credit score. 
In accordance with 15 USC 1666 ( b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
XXXX XXXX has attempted to buy out my loan from Cross Country twice now. Confirmed amounts were returned. Cross country had showed the loan paid off and released it to county for XXXX XXXX to take over. Cross country has returned the wire payoff twice and changed the amount of payoff over and over, adding fees. My loan is insured with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating 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 The following inquiries were not authorized and should not be 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 explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a product through XXXX XXXX XXXX 2024 for {$900.00} Mexican pesos the seller got the wrong product, they sent the wrong product and now they don't want to give me my money back They want me to pay the return shipping costs, the shipping cost is almost the price of the product ... as you can see, as a consumer I do not feel protected because I will end up paying double for NO reason also the producto looks really bad

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 2024-08-24 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

Complaint narrative:
I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report.

I need these items 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 2024-08-24 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:
I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report. 

I need these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

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 2024-08-24 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I don't have an account with you guys! I want the original copy of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my wallet as well as my phone on XX/XX/year> during a night out. A few days later I started getting money pulled off my account by cash app. At this time I had no access to my cash app because I lost my phone ( the only place my debit card was connected ) and immediately contacted cash app customer support to log in to my account because I no longer had the same phone so I wasnt able to log in to my account due to me not having the same number I ended getting a new phone and had the number transfered but they said wait until the charges stop pending. As of yesterday I tried disputing with my bank but all that has happened is them changing my card and saying Its under investigation but I had {$1700.00} stolen. Since I have changed my password on cashapp and filed a dispute. I have a newborn and bills to pay this has set me back extremely. When my next deposit comes in my accounts {$400.00} negative so it will be taking away from my next deposit as well. My Wells Fargo account has never been negative and I had no clue it could even go negative. I was also getting calls a fake Wells Fargo number. After consulting the police they said the number can be spoofed meaning it will show the Wells Fargo customer support number and not be Wells Fargo. I was told by the fake Wells Fargo number i will be getting a check to refund the stolen funds and some extra money due to the distress. I tried to cash it in on XX/XX/XXXX and it didnt work. After that I called Wells Fargo bank and they stopped the check before it could deposit.

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 2024-08-24 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: CO

Complaint narrative:
Subject : WRITTEN INSTRUCTION UNDER 15 USC 1681b and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I provided written instructions to these companies and the respective credit reporting agencies Experian requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or XXXX  % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to file a complaint regarding the XXXX credit card issued by Capital One. The card was advertised with a benefit of earning 10 % back in rewards for the first 30 days on purchases at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, and affiliated brands, followed by 5 % back thereafter. This benefit was a key factor in my decision to apply for and use the card. 

After opening the card ( around XX/XX/year> ), I made XXXX purchases at XXXX XXXX XXXX of activating the card. XXXX of these purchases ( XX/XX/XXXX ) was credited correctly ; however, the larger purchase, totaling {$2500.00} ( bought on XX/XX/XXXX and received on XX/XX/XXXX ), was not credited. According to the terms, credits are supposed to be granted within 30 days of receiving the merchandise. It has now been almost XXXX weeks past this deadline, and I still have not received the {$250.00} in merchandise certificates that I am due. 

I have contacted customer service at both XXXX and Capital One more than half a dozen times, including once during a conference call with representatives from both companies. Despite spending significant timeover an hour in totalon these calls, I have been unable to resolve the issue. The calls, which were recorded by Capital One, should be available for review. During these interactions, customer service representatives acknowledged that I am owed {$250.00} in merchandise certificates, yet I continue to be bounced back and forth between XXXX and Capital One, with each claiming the other is responsible for and will address the problem. 

While I am certainly frustrated by the time and effort I have spent trying to resolve this matter, my primary motivation in filing this complaint is not simply to recover my own losses. Rather, I am deeply concerned that other consumers, perhaps less experienced with navigating customer service or less familiar with their rights, could be similarly misled and taken advantage of. It is my hope that by bringing this issue to your attention, the CFPB can take steps to ensure that Capital One and XXXX do not continue these practices, and that consumers are treated fairly and transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

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 2024-08-24 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: Veros Credit, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and fraud. I have several of hard inquiries from companies I have no knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation