vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-01-18 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo. 

In XXXX Wells Fargo told us that when we pay our card down they will give us a XXXX percent APR. We paid the card down and they raised the APR. 

In XXXX XXXX started charging our credit card {$300.00} a month. We could not figure out why or where it was coming from. We called Wells Fargo once we discovered the charges and asked them to block/dispute the charges so we could figure out what was happening. They agreed to not close the card and we didnt hear back from them. They cancelled my credit card without authorization and issued a new card which kicked us out of all of our bill pay, my childrens school, and every other auto payment that was established on our card. They then re-established the charges with XXXX and stopped blocking their charges to the tune of over {$6000.00}. We have spent the past 9 months trying to resolve this issue. Wells Fargo continues to promise to help yet they do not and continue to charge 26 % interest on charges that are fraudulent. XXXX does not respond to us yet they have responded to Wells Fargo saying that they are going to continue to charge us. 

They have wiped out every bit of revenue from my small business, caused us months of stress and anxiety, and they refuse to settle the fraud from 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 monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax, On my Equifax credit report shows an " other accounts '' with self rent - level credit ( see attached screen shot of location on Equifax. ) I spoke with the company- and they have agreed to close and remove this completely from my Equifax credit report ( see attached email exchange with them confirming they sent in the request to Equifax on XX/XX/2023 ). 

Please have this account closed and removed from my Equifax credit report as soon as possible. 

Attached to this complaint is : - my drivers license - my mailing address - my social security card - email exchange confirming from " self rent - level credit '' - screen shot where its located in Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The debit collector has called my landlord acting like my friend and causing us to have to move. The debit collector had called friends and family members about a debit and has harassed my friends, family to the point I have lost friendships and family due to their actions. They continue to call my old job even when the manager has stated I dont work there anymore. I feel this debit collector is out for me due to they keep finding old debits and are constantly taking me to court and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct- XXXX, XXXX OF XXXX XXXX, XXXX XXXX  XXXX ACCT : XXXX, XXXX  XXXX  ACCT : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, DEPT OF ED ACCT : XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX, XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, XXXX  XXXX ACCT : XXXX, DEPT OF ED accounts : XXXX, XXXX XXXX XXXX, XXXX, 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.SC 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with Transunion or XXXX to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. 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 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
In XXXX of XXXX we placed an order with XXXX XXXX for a couch with a total financed amount of {$3100.00} through Affirm. XXXX XXXX failed to deliver the product and in XXXX of XXXX we were granted a refund that was issued back to Affirm. During that time, we made monthly payments to Affirm in the amount of {$260.00} in XXXX, XXXX, XXXX, and XXXX for a total payment of {$1000.00}. 

Affirm granted us a refund of our payments on XX/XX/XXXX for {$840.00}. 

Upon researching the discrepancy, we were informed that Affirm does not refund interest payments as a policy. Seeing as how we never received the items ordered and that Affirm received a full refund from XXXX XXXX, I feel that it is unjustified that they retain our interest payment as we should be entitled to the full amount that we paid. 

I am curious about the legality of withholding interest on refunds for products that were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
A friend sent me {$4.00} through Venmo to pay me back for lunch. I received a text message from Venmo notifying me of the transfer with a link to sign up for an account so I could retrieve the funds. When I followed the link and tried to sign up with my phone number, I received an error that it needed to be a mobile number. I contacted their support with details about my phone service and the fact I had already received an SMS message from them, and their response was that they only support mobile numbers from cell carriers like XXXX, XXXX, XXXX. 

My phone number is fully capable of receiving SMS and I have used it with other services using SMS for things like XXXX, but it is not tied to a cell/mobile XXXX. I have a number with XXXX ( https : //jmp.chat/ ), which some might see as a VoIP service. I do not think it's appropriate for Venmo to exclude numbers based on arbitrary criteria if those numbers are capable of functioning with their service. I do not have phone service with any other provider but XXXX, and I do not have a phone that can install apps from the XXXX XXXX XXXX or XXXX Play Store. 

Begin personal information : My phone number that I am trying to sign up with is ( XXXX ) XXXX. It was previously with mobile carriers including XXXX and XXXX XXXX, and I have had it for over 15 years porting from provider to provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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 fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 an 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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint that my account was compromised and {$2200.00} was wrongfully taken out of my account from a random third party. My account was then closed XX/XX/XXXX. On XX/XX/XXXX, the amount of {$2200.00} was refunded back to my account, however the account was already closed. I received a notification about the dispute being refunded, however, it was in my junk folder and I did not see it until XX/XX/XXXX. According to my transactions history, Chime redacted the refund on XX/XX/XXXX. I have not received any notification to where the money that was rightfully mine went. 

I then contacted Chime in regards to my money and was told the inquiry would need to go through to investigations and they would reply with XXXX hours. That time had elapsed and no update. Eventually, I was calling every XXXX business days in regards to the same situation and every time, it was treated as if I had never called in the first place. 

I finally got some feedback from Chime but it was only that the dispute was approved and the {$2200.00} was approved and paid out on XX/XX/XXXX, but nothing about the transaction from XX/XX/XXXX, the date of the issue I was complaining about, Chime taking my money from my account without any notification. 

It has now been over XXXX month of continual contact with Chime and no improvement, no updates and no payment of {$2200.00}, that is rightfully mine. 

The following are ticket numbers over weeks of complaints, including supervisors in disputes that stated they would handle the situation with no avail : XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept XXXX XXXX, Supervisor dispute intake dept

Company response to consumer: Closed with explanation