vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : account XXXX XXXX XXXX XXXX XXXX, 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-02-22 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: IN

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
In the end of XXXX, my home button down in XXXX it was supposed to been rebuilt and wasnt the contract. I hired received XXXX checks in my name and XXXX XXXX  name and he signed the checks in cash to meet US Bank on XXXX in XXXX Washington When I tried to file after full after I contacted the police and they had an attorney and they all failed me. I also wrote the attorney general. He also only said well sounds like a faulty contactor. I try to file a complaint with US Bank for cashing checks to somebody not mention on the check and without verifying funds from me or my bank I got thrown out by the manager of the bank on XXXX in XXXX Washington, and was threatened with the police and told that this person ever had a bank account with us and that was that thats when I contacted you guys and then I lost track of my complain because I was a XXXX mother from XXXX with XXXX kids now became homeless and then lost my mind had to go to crazy house, and when I got better, I really filed for fraud and they told me my insurance company has a file the claim my insurance company filed for a complain and was told statue limitation was expired on the check and thats when I contacted you guys and Im trying again that Im better and I can hopefully get this resolved

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have received three phone calls now from representatives from XXXX XXXX XXXXXXXX. The calls all start the same where the claim to be calling on behalf of a medical provider I have never heard of. When I ask them for details they provide none. They then tell me the balance is something like {$1500.00}. I tell them there is no way I owe a random medical provider I have never seen {$1500.00}. They then tell me that is actually a different amount. Then they back pedal and try to talk in circles to confuse me and start bringing up other medical providers that have nothing to do with the medical provider they initially said they were calling on behalf of. I explain that this seems wrong and unethical and request a call back from management as I feel as though they are misrepresenting themselves intentionally. Im told management will call me back, they never do. I've asked them to provide documentation showing who the provider is, the alleged date of service, a detailed list of services and charges, and proof that they are authorized to collect on behalf of the provider and that they are licensed to do so. I am assured this will be sent, it's never been sent. Its been months of this. 

On the most recent call, last week, we went through all of the above but the agent on the phone proceeded to provide some details, but the details also made no sense. She brought up a doctor I havent seen since XXXX, and who has been retired since XXXX, saying the date of service was XXXX XXXX XXXXXXXX. She then brought up other dates that I wasn't even in the country for. Brought up insurance I didnt have. And then tried to collect {$1500.00} for a provider that I have never seen or heard of in my life, and then when pressed on the total changed the narrative that she was actually calling for someone else. 

XXXX XXXX XXXXXXXX is intentionally misrepresenting themselves in an effort to trick and deceive consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NY

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.

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 non-monetary relief
Consumer complaint received 2024-02-22 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: NY

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.

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 non-monetary relief
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I recent review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, it's hurting 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Please see the attached letter to PNC dated XX/XX/XXXX regarding a sophisticated employment scam that emptied my checking and savings accounts in XXXX of XXXX. The total amount of money lost was {$14000.00}. 

I am also including the description of the event and the response from PNC. This scam has ruined my life. I almost lost my house, I missed credit card payments, and I had to enter a debt consolidation program. My credit score plummeted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I transfered {$1000.00}. plus charges to my girlfriend, she says tha Paypal will not give her the money that I sent because Paypal is requiring her to have a bank account, which she does not. In the past, I have sent her more money than described and Paypal did not ever require a bank account. Neither did they ever tell me that a bank account would be required in order for her to collect the money I sent her. I asked Paypal to refund me and they refused. They said she has the money, wrong, she does not. She was to receive XXXX XXXX XXXXXXXXSo Paypal has apparantly done this before, I now find out. I want to have her collect this and any money being held.for a bank account. Since Paypal refuses to refund my money, it is sitting in the " air ''. Now my girfriend has already lost that money because of Paypal has offered someone else my payment due her on the XXXX for a fee. It is now the XXXX I believe that Paypal has done this to get even with me for the complaint I filed earlier. That was an amount the same {$1000.00} USD. I believe that Paypal has decided to cost me money, which isa criminal act..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts 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 non-monetary relief
Consumer complaint received 2024-02-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had an issue with Wells Fargo notoriously submitting pending transactions to cause overdrafts. I've had about 10 overdrafts in the past month and EACH and every night I double check my account to make sure I'm in the positives. Then the next morning they slam with overdrafts. For {$1.00} charge I have to pay {$35.00}! It's not right at all how they decide to do pending transaction the day before! Please help. I've called them and they aren't helpful.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have been a holder of the Verizon credit card issued by Synchrony for over a year, diligently using it to pay my monthly Verizon account charges. According to the card 's terms, I am entitled to receive 2 % back in Verizon rewards on my payments. Despite having spent over {$5000.00} with the card, which should equate to more than {$100.00} in rewards, I have yet to receive any reward credits. 
I have attempted to resolve this issue by contacting customer service on two separate occasions, yet the matter remains unresolved. This situation not only fails to honor the advertised card benefits but also undermines the trust and value of using the card for Verizon payments. 
I am writing to formally request the immediate crediting of the overdue rewards to my account based on my past spending. Furthermore, I seek assurance that the rewards program will function correctly going forward, ensuring that I receive all entitled rewards promptly for future payments. This resolution is crucial for maintaining the integrity of the Verizon credit card program and the trust of its users.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-02-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : account XXXX XXXX XXXX # XXXX, 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: 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.

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 explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
This information is fraudulent it is a result of a data breach by XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This chargeback got very confusing due to the amount of time that passed. Nonetheless, I returned both items in the Homedepot order using the prepaid XXXX  return labels that Homedepot provided for this HomeDepot Online Order # XXXX. I was given XXXX  prepaid return label from HomeDepot, XXXX tracking # XXXX. This return was delivered on XX/XX/2023 and I am still owed my full refund of {$360.00}. 

I used the prepaid return label given to me by the merchant, and the return carrier marked it delivered. The merchant has not disputed the delivery and has been unable to show any proof that i didnt follow their directions exactly and I returned the items. Goldmans Sachs erroneously decided Dispute XXXX. Because it has been more than 120 days XXXX no longer keeps the tracking online, but luckily i took a screenshot proving the return was in fact delivered successfully : ) I have attached that proof to this complaint as well. Goldmans Sachs might likely be discriminating against me because I am XXXX but i have sent them proof multiple times all items in the order were returned following merchant instructions and prepaid return label.

Company response to consumer: Closed with monetary relief