vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX I contacted Wakefield associates at XXXX and member said she is unable to locate the account XXXX. I provided the account number reported on my profile. I advised they are reporting inaccurate information on my credit profile. In the amount of {$1300.00} XXXX XXXX XXXX XXXX. She said they have different people that matches my personal information in multiple states. The person was unable to validate this debt and match anything to my information. She asked for my social I refused and advised she should be able to locate the account with the account number provided which was reported by them on XX/XX/year> says status updated XXXX XXXX XXXX This information is reporting on my XXXX credit report. I told her I will be reporting to the CFPB. She said that is the way to go about disputing the debt because they could not find me. I advised my identity has been stolen and I have not received any communication from anyone validating this debt. I refused to give my social because the account number they reported should be enough as I told the XXXX advocate. This is violation of XXXX to sell medical records and private Information.

She said she will put in a ticket and she cant find the account. XXXX with Wakefield associates. She said she hopes it get resolved. XX/XX/year>. I provided her with account number that is listed on my credit profile and she repeated multiple times during the call that no account was located. Im already a victim of identity theft and this account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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 XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was 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 non-monetary relief
Consumer complaint received 2024-08-20 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: AZ

Complaint narrative:
I requested Experian to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Experian of the Fraud, Experian responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the XXXX XXXX which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} + {$19000.00} which is a total of {$51000.00}. I never owed that much money! Not even close!!! I did find out that XXXX and XXXX XXXX are XXXX of Experians biggest customers and have learned through similar law suits that Experian " Favors '' it's largest, highest paying clients in dispute matters. Experian has allowed this Fraud to continue for over 6 months now. CFPB, you will see that this is a Fraudulent act, committed by Experian to make sure it keeps it's highest paying customers happy. After Experian allows XXXX  to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Experian continues to allow criminal acts of Fraud after we have provided XXXX  amounts of proof to Experian. The next question will show the Fraud by Experian and what I would like the CFPB and Experian to address ... *****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX XXXX I only owed {$32000.00} ( Attached ), *****Why is XXXX  collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! CFPB needs to get involved and penalize EXPERIAN for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After 7 months of XXXX I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Experian Account, or face prosecution for damages to my credit history. REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EXPERIAN - XXXX THE LAW! REMOVE IT, NOW!

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-20 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXXXXXX XXXX XXXX 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 2024-08-20 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:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-08-20 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 file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Marcus by Goldman Sachs is holding on to my money. I have transferred it to my account at XXXX XXXX and they have called the funds back and they won't explain why. My account was fully funded. 


I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. The cash is coming from a Marcus CD and going into a Marcus money market account. 

I transferred $ XXXX to XXXX and $ XXXX to XXXX. 

BOTH TRANSFERS WERE RE-CALLED \ FOR NO REASON WHATSOEVER. 

THERE IS NO REASON that that cash was not transferred properly. The account was fully funded as you will see in the attachment. Both accounts are in my name. 

On XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 

I called Marcus to ask for help and : XXXX ) i verfied my social security number, my birthday and my secret word. No one else would have this. 

XXXX ) they told me that " they could not send me a XXXX time code '' and did not explain why. I had JUST received a XXXX time code from them to access my account, so nothing was wrong with their system. 
XXXX ) the man that " couldn't authenticate me '' said " the only way that I can authenticate you is to call you back on the phone number listed on your account '' which is ( listed above ), the only phone number that I have. 
XXXX ) of course, he never called to authenticate my account. 
XXXX ) I called Marcus again and spoke with XXXX who asked me the same authentication questions. 
XXXX ) THEN HE ASKED ME WHERE MY DRIVER 'S LICENSE WAS ISSUED. HE COULD SEE THAT I AM A CT RESIDENT. WHEN I SAID " MY DRIVER 'S LICENSE IS A CT LICENSE '' HE SAID THAT HE COULD NOT VERIFY ME BECAUSE I AM FROM CT!!!! 
XXXX ) HE SAID THAT BECAUSE HE COULD NOT VERIFY ME, I COULD NOT SPEAK WITH A SUPERVISOR AND I WOULD HAVE TO WAIT XXXX days TO RECEIVE A CALL BACK. 

IN CONCLUSION a ) they will not transfer my money which is in my account to another account in my name b ) they will not tell me whey c ) every time i try to transfer my money out, they recall it, causing me problems with my other banks. 
d ) I NEED YOUR HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-20 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/year> had funds sent to me into my zelle account and received a email stating that my payment was cancelled. This happened to me XXXX weeks ago and just thought it was because zelle was having issues. Now fast forward to today. Payment sent and they payment sent back to sender. Called XXXX XXXX  since that XXXX is who has the portal I signed up through. Called XXXX they just said zelle does at random and has no other information. I have tried to reach out to zelle no one will respond. I got no letter, email, nor phone call.i use these alot during the day.. why i s it that these companies are treating people like this and making lies up to cover them. This is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I disputed a transaction that occurred on XX/XX/year>. PayPal claims they refunded XXXX times for this XXXX transaction, once on XX/XX/year> and again on XX/XX/year>. PayPal recommended we do a XXXX way call ( PayPal, my credit card company, and myself ) to clarify what happened. During that call it was verified by my credit card company that XXXX refund occurred for the XX/XX/XXXX transaction and that refund occurred on XX/XX/year>. My credit card company also verified there was NEVER a XXXX  refund. Even though my credit card company confirmed what I had informed PayPal ( which is that there was NEVER a XXXX  refund ), PayPal continues to harass me on this issue by asking for a copy of my bank statement for clarification. I provided the copy of the statement and again PayPal was not satisfied ( this time stating the copy of the statement was illegible ). I believe PayPal will continue with excuses to harass me about this second refund no matter what I do. PayPal has even sent my account to a collections company named XXXX XXXX XXXX XXXX. I received a letter from the collections agency dated XX/XX/year> attempting to collect {$930.00}. The {$930.00} is the amount PayPal debited my PayPal account when they claimed to have refunded me twice for the XX/XX/XXXX transaction which has put my PayPal account value at- {$930.00}. I should not be forced to pay the {$930.00} that PayPal debited my account due to this XXXX refund that PayPal insists happened because it NEVER did happen and its been confirmed by my credit card company that it NEVER did happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
My credit was ran at the locations listed below unbeknownst to me numerous of times ... 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the ongoing inaccurate reporting of an account with XXXX XXXX XXXX on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX TransUnion Report Details : High Balance : {$29000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Joint Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Repossession Creditor Remarks : Payment after Repossession Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX  Month ( XXXX ) Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly XXXX XXXX XXXX {$0.00} Specific Issue : This account was charged off on the following date : XX/XX/XXXX. Since that date, the account has been repeatedly updated as " charged off '' every month. These repeated updates in the payment history are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, it should not include an active payment history. The continuous updates falsely extend the statute of limitations on this debt, causing harm to my credit standing. 

Violation of Rights : I have previously requested that this matter be investigated twice, but your neglect to address the inaccuracies has resulted in a violation of my rights under XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The continued reporting of inaccurate information after multiple requests for correction is unacceptable. 

Demand for Deletion : Given the persistent inaccuracies and the failure to correct this issue, I am now demanding the deletion of the account from my credit report. The following account details must be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reporting Agency : TransUnion Requested Action : I urge the CFPB to take immediate action by ensuring that the creditor, XXXX XXXX XXXX, conducts a thorough investigation and deletes this account from my credit report. Failure to do so will compel me to explore further legal avenues to protect my rights. 

Thank you for your prompt attention to this serious matter. I expect to receive confirmation of the deletion and correction of my credit report as soon as possible. 
Sincerely, 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 non-monetary relief