vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: PA

Complaint narrative:
I'm putting down to give my strain concerning the tried records on my credit report. On various events, I have raised the issue of goofs in these records, and have dependably alluded to that they be totally taken apart. Regardless of what my undertakings, I in the end can't get any objective or helpful turn of events. These worked up records are truly hurting my credit report and wrecking my ability to happen with an ordinary life. The horrendous eventual outcomes of these blunders have caused tremendous hardships for me, and I'm left with no choice close to battle for your assistance with changing what's happening at the earliest doorway. I pleasantly request that you lead a total assessment concerning the deciding of these tried records. It is basic that the central advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and decency of my credit archive so I could recuperate control over my money related prospering. I truly request that you propose this matter your by and large amazing suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be hugely critical. Thankful to you without skipping a beat for your understanding and help.

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 2024-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The medical provider has sent my sample to out-of-network facility without my conscent. 
This bill doesn't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle transactions made in error to a recipient in two separate occasions. 
XX/XX/year> {$4000.00} XX/XX/year> {$4000.00} When I realized the transactions were made incorrectly to the recipient I called him directly and this person refused to refund the money back. Multiple attempts were made directly to him, on my last attempt this person angrily refused to return any money and hang up without given me an opportunity to explain the situation. This person was under the impression I was doing something illegal. 

Subsequently I went to my banking institution but unfortunately they were not able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
I have a creditor on my credit report that I have disputed 6 times. 


They have requested proof to show debt is invalid I have provided proof several times but on XX/XX/scrub>XXXX via mail certified and email, I have also tried to communicate through the credit bureaus as well as email and fax. The attach the collector continues to respond with the same letter as though they have not received proof of invalid debt. 

The company has poor communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
1. Someone changed our account from an unlimited account to a limited account. XXXX did not authorize the change and NEVER authorized anyone else to make the change that change. 
a. In trying to trace this down we were told XXXX does not offer a limited business account. How could this have happened. XXXX has had an unlimited account for decades. 
2. We tried numerous times to get the matter resolved and our account credited for the over charge. Our online access was limited to payments only. We could not access the account settings due to it being classified as a bus. account and was managed internally. Our attempts to get through this firewall failed. XXXX was restricted from accessing our own account. 
3. Attempts to have this matter rectified through phone support or WEB chat failed as well.

4. XXXX was only given access to offshore/foreign support. The connections were noisy and the agents spoke very poor/broken English.

5. We have requested a detailed billing history for the last three ( XXXX ) years. Instead of receiving that, we received the last billing statement. 
6. We have been promised numerous times that our account representative would contact us. This did not happen.

7. We have got nothing from XXXX but lies and unfulfilled promises. 
8. Our records indicate that XXXX has overbilled XXXX. 
9. WE OWE THEM NOTHING! THIS DEBT IS CONTESTED! 
10. WE HAVE HAD THE SAME ACCOUNT WITH THE SAME CARRIER SINCE 1987, XXXX YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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 was searching for a vehicle the vehicle car lot that I was going to get a rush on my account and my credit and they sent it to 50 different credit bureau with not allowing me to give authorization for them to do that OK

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
I am currently enrolled in the SAVE program and was not informed about the interest freeze so I inquired if my interest was currently frozen and placed into forbearance. I was informed that because I am in school I don't qualify despite being enrolled in SAVE. I asked for documentation outlining this exception and have been ignored without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT
CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-08-12 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: CITIBANK, N.A.
State: ID

Complaint narrative:
XXXX. Made hotel reservations XX/XX/year> through XXXX XXXX ( XXXX XXXX XXXX XXXX ) for a stay on XX/XX/year> for {$310.00} XXXX. XXXX plans - cancelled reservation through XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/year>. 
XXXX. Did not see credit on credit card account in timely manner - contested charge through Citibank ( credit card company ) XXXX. Citibank gave condition credit of {$310.00} on XX/XX/year> while researched XXXX. Citibank statement shows conditional credit of {$310.00} on XX/XX/year> XXXX. Citibank statement show reversal of conditional credit on XX/XX/year>. XXXX charged {$310.00}. 
XXXX. XXXX XXXX sent email confirmation of reservation cancellation on XX/XX/year>. 
XXXX. Citibank sent letter dated XX/XX/year> stating their investigation showed valid charge with instructions to send documents to dispute. 
XXXX. Faxed reservation cancellation confirmation to Citibank on XX/XX/year>. 
XXXX. XXXX from Citibank dated XX/XX/year> stating they are working on dispute. 
XXXX. Reverse of hotel accommodations on XX/XX/year>. XXXX charged {$310.00} XXXX. XXXX from Citibank stating they have made attempts to work with XXXX XXXX with no resolution. Will recharge credit card. 
XXXX. Called XXXX XXXX on XX/XX/year> and XX/XX/year>- they stated since charge was disputed they never received any money from Citibank. 
XXXX. Called Citibank on XX/XX/year>- they stated they were unable to get funds back from XXXX XXXX and we would need to follow up with XXXX XXXX ourselves. 
XXXX. We are out {$310.00} for a hotel reservation on XX/XX/year> that has been cancelled. I verified with the hotel directly that our reservation was cancelled and they do not receive the money until their customers check in. 
XXXX. We are attaching copies of all documents.

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 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
On approx XX/XX/XXXX, I logged into my account to do my weekly transfer of ETH which I had previously purchased to my personal hardware wallet. However, this week I was prevented from doing so. The message said that there was some 'strange ' activity on my account and so my transfer was prevented. When I reached out to the support center for help I received an automated message saying that I should undertake several security measures, which I did, including changing my password. When I informed support that I had done this, they said that they would look into the issue and get back to me. However, they never did get back to me. Several days later I submitted a second support ticket, wherein they also said that they would get back with me, but never did. It has now been about XXXX weeks since I tried to withdraw my crypto and I am still unable to, with no explanation as to why. FYI, currently, the amount of crypto that I am unable to withdraw is about {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TX

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 XXXX : XXXX ) 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 : XXXX. NAME : XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
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 explanation
Consumer complaint received 2024-08-12 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: FL

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 2024-08-12 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-12 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: MO

Complaint narrative:
I recently purchased my consumer credit report and learned that I have unauthorized inquires placed on my credit file without my consent. I did not AUTHORIZE anyone to MIS-REPORT or FRAUDULENT use my social for any purpose or matter without my consent please remove from my credit file 15 USC 1681 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-12 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: AL

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 XXXX 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 2024-08-12 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: AL

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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is a complaint associated with multiple denials of credit from Wells Fargo Bank Stemming from my phone being stolen and the thief/thieves accessing multiple accounts including Wells Fargo XXXX 

XXXX was stolen and they used a XXXX transaction which 3 times Wells Fargo has denied a refund of the money. The last explanation was that the representative followed the right protocol. I called when my phone was stolen and notified Wells Fargo that there was unauthorized transactions of XXXX XXXX for XXXX and XXXX as well as a XXXX ACH transaction which I did not authorize. When I called the representative cancelled my cards but did not close my account even when I asked him. I have never used XXXX XXXX nor do I have an XXXX XXXX account and my transaction history should show that. The XXXX transaction of XXXX was completed at the same time. As an example since then I have had at least XXXX account withdrawals and XXXX XXXX Withdrawals that were deemed not made by me and were fraudulent. The call to Wells Fargo was placed immediately after the fraudulent transactions were made. Because my account was not closed the fraudulent activity continued till that night where they were able to steal an additional XXXX. I have provided Wells Fargo with multiple police reports, FTC filing reports of fraud as well as other statements from other financial institutions where additional fraud has occurred. 

I have received multiple letters stating that the claim is denied because either " You or someone you know completed the transaction. '' I have also been told over the phone that " Biometrics was used so it had to be you. '' Biometrics is facial recognition, That's what I use on the phone app to access my account. The thieves found away around it. Wells Fargo has repeatedly told me that there was no fraud detected but on multiple other transactions have confirmed fraud. 
I am going to seek legal representation for defamation of character for Wells Fargo basically saying that I am lying and I am committing fraud.

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 2024-08-12 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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