vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-27 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I purchased a coat from XXXX XXXX never received the coat. I disputed the charges on my XXXX XXXX credit card. They refuse to deliver the coat or remove charge from my account. I should not be held liable for something I did not receive. 

I was advised to call the police to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-27 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
" Wise fraud XXXX XXXX XXXX XXXX' Wise customer service by : Calling XXXX Mailing them at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Visiting XXXXwise.com where individuals or groups use the Wise money transfer platform to facilitate fraudulent activities, essentially " harboring '' scams by allowing them to transfer stolen funds or trick people into sending money through the platform, often by impersonating legitimate users or creating fake accounts. OR IMPERSONATING LEGIT AUTHORIZED VENDORS OF USA IP GOODS BRANDS AND XXXX, Scammers might use Wise to receive payments WE believe WE been the victim of a Wise money transfer fraud, report it to Wise and our authorities THE XXXX Since WISE OR XXXX OFFER NOM SUPPORT OR HELP -WISE BANK TRANSFER WISE Is Harboring Companies AND INDIVIDUALS DOING A crime that involves knowingly providing assistance to an individual who has committed a crime and is attempting to evade prosecution by law enforcement. AND XXXX XXXX  we follow these steps and procedure they refuse to help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wise refuses to help after reporting fraud, here are some steps you can take : WE Dispute the transaction with our bank. WHO REFUSES TO HELP Even if you transfer money using ACH, WE open a dispute and potentially ASK WISE AND BOF A TO reverse the transaction.

WE File a complaint with the authorities Against Wise BANK. WITH THE XXXX XXXX institutions LIKE WISE SHOULD BE heavily scrutinized, and Wise should be investigated if they are not following proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have XXXX dollars in my Venmo account and they suddenly locked my account and said they would get back to me in 24 hours and 3 days later nothing and I need the money for my rent coming up on the XXXX, I've sent multiple requests and multiple calls but no one is available to talk to just machines. I did as they requested and sent my id and proof of identification and they have yet to even contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
My family owned a business called XXXX XXXX. The ownership was split 3 ways between myself, brother, and father. I left the business in XXXX and part of my departure was court documents stating and signed off that I had no responsibilities of any debt owed by the business before I left or after. My father and brother filed BK in XXXX of XXXX and I was contacted by a company called XXXX XXXX XXXX which floor planned cars for the company. They had a balance owed of XXXX. I spoke with a representative on XX/XX/XXXX regarding this balance and how it could be handled. She could not get a hold of my father or brother so I provided her with whatever I could to contact them. I sent her court documents showing I was not responsible for the debt. She stated I had signed the contract in XXXX and regardless of any document it would not relieve me of the debt. Since XX/XX/XXXX I have not heard a peep from them or collections. No mail, email, phone call etc. I got an alert the other day that my XXXX XXXX had dropped. I logged in and they slapped me with the XXXX debt in XXXX and it hit my bureau XX/XX/XXXX dropping my score almost XXXX points. I find it hard to believe that with no contact or warning that this is possible. I have made contact with them but have been unsuccessful so far. I had not worked at the store which is no longer open in almost 5 years and I have this collection on my account that I literally have XXXX control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$52.00}

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 
Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where i am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as i am being unfairly penalized for errors that are beyond my control. 
The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 
Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where i am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as i am being unfairly penalized for errors that are beyond my control. 
The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
While I was out of the country someone stole a phone from my home office and used it to make several transactions through my account with the company. Immediately upon learning of this matter, I reported it to the company. The company made me go through a very painful process to report each of the 118 fraudulent transactions individually. The company has apparently since completed their investigation, though they have never advised me in writing that they have done so. The company has denied my disputes stating they did so because the merchant has issued refunds for those transactions. While this is true for a substantial number of the reported transactions, specifically 81 of the 118 transactions reported, there still remains an 37 transactions that were reported and do not have a corresponding refund issued by the merchant. I have made repeated attempts to address this issue with the company but the responses Ive gotten, including being repeatedly told to contact local authorities, have been sub-bar. I have also tried repeatedly to request the documents used by the company during their investigation but the company has refused to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I am writing to request your assistance in resolving an issue with Western Union regarding a refund for a money transfer. I have made multiple attempts to resolve this matter directly with Western Union through their internal channels, but have been unsuccessful in obtaining my refund. 
On XX/XX/year>, I initiated an online money transfer with reference number XXXX  XXXX amounting USD XXXX through Western Union Mobile App. I use this platform regularly and haven't had any major issues until the last transfer. The recipient never got the money because the receivers bank account number was entered incorrectly. Its a non-existent account so there is no matching record in the bank to accept the charge from Western Union. and so the fund will bounce back to Western Union. 
I called Western Union for research inquiry, trace of fund and refund many times in XXXX and XX/XX/year>. Following are case numbers Western Union has created however there is no single and definite resolution for every case since the initial ticket was raised. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Every time I call and follow up to the customer service, the representatives will just keep raising new tickets so it can be escalated and can be routed to the correct department they were however it seemed like its just going around. 
I can't afford to lose my hard-earned money and so requesting Western Union to refund the money that was never credited to the receiver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX XXXX  I spoke with Shellpoint and they advised me to send in a loan modification packet. On XX/XX/XXXX I submitted the packet. I was given a verbal agreement that stated I needed to submit {$74000.00} by XX/XX/XXXX and then they would send me the verbal offer in writing. The verbal offer I was told over the phone would be the down payment listed above my loan rate would be 8.25 % and my monthly payment would be around {$1100.00}. They emailed me the down payment as seen below but not the terms on XX/XX/XXXX. So they want XXXX and nothing for me in writing. My concern is two fold. One, I would send the money and they wouldnt offer the verbal agreement or secondly they would take my money and change the verbal terms or thirdly they would take the money and do nothing for me. I also submitted a short payoff of {$100000.00} on XXXX XXXX with proof of funds to pay it. When I call I get different answers from different people I speak to. Some say its not in my file. Others say its waiting approval. I am stuck because I need to submit the loan modification down payment by the XXXX of XXXX with no written offer and no decision on the short payoff of {$100000.00}. I wish to retain my property and I feel like this is a bait and switch. Its concerning that no one has records of phone conversations or record of people I have spoken to. I have called them everyday since XX/XX/XXXX for updates and no one has any answers for me. Im running out of time for this to be resolved. 

Below is the email I received which I will also attach. 

XXXX Modification Plan Terms THIS IS A DO_NOT_REPLY EMAIL, IF YOU HAVE ANY QUESTION PLEASE CALL CUSTOMER SERVICE AT XXXX Modification Plan Terms Under your Modification Plan, the Initial Payment of {$74000.00} must be received in our office on or before XX/XX/XXXX. When the Initial Down Payment of : {$74000.00} is received, we will proceed with generating your final modification agreement. 
In addition to the Down Payment, the Total Monthly Payment Amount as indicated on the final modification agreement will be due on the date specified on the agreement once received. 
XXXX XXXX XXXX XXXX shellpoint A DIVISION OF XXXX XXXX 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